At Pacific Financial Services (North West) Ltd, we work for you and not the lenders. We are independent mortgage brokers who access the whole of the market — not just a small panel of lenders.We understand what lending criteria is needed and use our experience to find the one that suits you and your requirements. Pacific Financial Services (North West) Ltd, is run by Adam Howarth, a local independent mortgage and protection specialist with over 20 years experience. Priding himself on a client-focused approach Adam provides a high quality service with an emphasis on building long-term relationships. With his breadth of knowledge and extensive experience you can always rely on him to take complex solutions and make them easy to understand and jargon-free, it’s an approach that has seen satisfied clients coming back time and time again. With so many lenders, providing so many products in what can seem an overwhelming and complicated market, knowing which one to choose is almost impossible. That’s where we come in. Pacific Financial Services (North West) Ltd, give totally independent, unbiased advice that you can trust.