Opal Financials

Opal Financials - Mortgage Advice Sandbach | Mortgage118

Team Members

Meet our experienced team of mortgage professionals

Charlotte Harris

Mortgage Adviser

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Daniel Evans

Protection Specialist

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About Opal Financials

At Opal Financials, I understand that navigating the mortgage landscape can often feel overwhelming, especially with unique circumstances or specific financial goals. Based in the heart of Sandbach, I specialise in several areas of mortgage brokerage that aim to make the process as straightforward as possible. If you’re a first-time buyer, I can guide you through the various options available, helping you to understand the intricacies of the market and what lenders expect from you. I take the time to break down the steps involved, from understanding your credit profile to securing the right mortgage for your new home. For those looking at buy-to-let investments, my expertise extends to helping you weigh up the costs and benefits associated with property investment. I can assist you in identifying suitable mortgage products that align with your investment strategy, whether you're adding to an existing portfolio or entering the market for the first time. Adverse credit situations can complicate the mortgage process, but I’m here to provide insights into how to approach lenders and explore options that may otherwise seem out of reach. Understanding the nuances of various products tailored for those with a less-than-perfect credit history allows me to offer guidance that is both pragmatic and hopeful. Remortgaging is another area where I can add significant value. Whether you’re looking to secure a better rate, release equity, or consolidate debt, I help clients assess their current situation and explore various lenders’ offerings. The aim is to ensure you feel confident in your choices and understand the implications of your decisions. Throughout the process, my focus remains firmly on clarity and transparency. I strive to keep communication open, so you’re never left in the dark about your options or the progress of your application. The ultimate goal is to empower you with the knowledge needed to make informed decisions about your mortgage journey.

Specialisations

Adverse CreditBuy-to-Let

Languages Spoken

🇬🇧English

Reviews & Ratings

Google

5(195 reviews)

7 Mar 2026

First time using Opal Financials as they were recommended to me, and I’m so glad I went with them. I wouldn’t hesitate to use them again in the future. Ashley and Kyle have been extremely informative and supportive throughout the whole process, always taking the time to explain everything clearly and making sure I felt comfortable with each step, whilst keeping me fully updated. Fantastic service and great communication highly recommended. Thanks so much Ashley and Kyle you've been amazing! 👏

Sara Dean

10 Feb 2026

I have recently re-mortgaged my house and from start to finish dealt with Ashley and Callum. I’d just like to say the service and communication has been amazing. I have never had any problem getting hold of them by phone or email and they have always returned calls when expected. They have both helped me so much with areas I wasn’t sure about and made the whole experience stress free. I would highly recommend Opal Financials. Thank you so much Ashley and Callum for all your help, you’ve both been amazing Sara Dean

Emily Johnson

5 Feb 2026

We have just used Opal for our house move and we truly could not fault them! From our mortgage application with Emma to her chasing the solicitors for us, everything was sorted quickly and perfectly! We sorted our life insurance with Jass, she was so thorough with our applications and always kept us up to date with everything, she was great! Also the support we received from Charlie throughout our whole process meant we were never out of the loop, Charlie had our questions answered before we even asked. We would highly recommend Opal to anyone, thank you all!

Greg Whitmarsh

15 Jan 2026

Ashley Vyse at Opal Finance was an exceptional mortgage advisor. He was extremely helpful throughout the entire process, keeping us fully up to date at all times and guiding us every step of the way to ensure we secured the best possible deal. Ashley was highly professional and truly went above and beyond to support us. His communication was excellent, clear, and reassuring, which made the whole experience smooth and stress-free. We would highly recommend Ashley to anyone looking for a reliable and knowledgeable mortgage advisor.

Emma Fletcher

14 Jan 2026

I approached Opel Finance and Ashley regarding help with obtaining first a mortgage in principle and secondly my actual mortgage. I liked Ashley from the off, a very good listener, attentive and diligent. He is also very calm and highly experienced which is just what I needed in navigating the complex world of finding the right mortgage. He is very diligent and helped us prepare our mortgage application in a way that gave me confidence that we were in very good hands. He is very personable, friendly and approachable and I felt very happy asking him questions and he was great at handling our queries and concerns. I wouldn’t hesitate in using Opel and especially Ashley again. In fact, so confident am I in him that I recommended him to my son regarding obtaining his first mortgage as I know he is in very capable hands. From Mr & Mrs Mike and Sue Conway