Chris Callow
Mortgage Adviser
David Allen Financial Services
Based in Penrith, Cumbria, I provide clear and straightforward mortgage, remortgage and protection advice tailored to your circumstances.
Whether you’re buying your first home, moving, remortgaging or exploring options like commercial or bridging finance, I’ll guide you through the process clearly and simply.
No obligation. Friendly advice. Flexible appointments.
First time buyers
Tailored mortgage advice, specifically for first time buyers. Your mortgage is likely to be one of your biggest monthly commitments, so it’s important to choose the right one.
Moving home
Moving home is a good time to review your mortgage options and make sure the deal still suits your circumstances.
Remortgaging
It is important to review your mortgage on a regular basis. This can allow you to secure a better deal or release equity in your property.
Buy to Let
Mortgages
Whether you’re buying your first investment property or growing an existing portfolio, choosing the right mortgage is essential.
I’ll help you understand rental yields, lender requirements and long-term borrowing options — so you can invest with confidence and a clear plan.
Rural & Specialist
Mortgages
Some properties come with a few extra considerations when it comes to lending, from Section 106 agreements and local occupancy rules to complex income, adverse credit, or more unique property types and large acreages.
Whatever your circumstances, I’ll guide you through your options and connect you with lenders who are comfortable supporting your plans.
Commercial /
Bridging Finance
If you need funding for a business property purchase, development project or short-term opportunity, I can help you explore commercial and bridging finance options.
These solutions are designed to move quickly, support your plans and provide flexibility where standard mortgages may not be suitable.
Not sure which mortgage is right for you?
A quick conversation can often clear this up quickly.
Protection Insurance
Providing peace of mind and a financial safety net for you and your loved ones in the event of injury, illness or death.
Taking on a mortgage is a major financial commitment. Having the right protection in place can help ensure your home and your family are financially secure if illness, injury or loss of income affects you. Many people have some cover through their employer, but it’s not always clear what this includes — or whether it would be enough long term. I can help you review any existing policies and explain your options for life cover, critical illness and income protection.
Straightforward advice to help you plan ahead with confidence.
How it Works
Arranging a mortgage should feel straightforward and well-managed. I provide clear guidance at every stage, so you always know what to expect.
Initial
conversation
We talk through your plans, budget and any questions you may have.
Research & recommendations
I research the market for suitable products and discuss this with you.
Application &
support
I manage the paperwork, keep you updated and help you get everything over the line.
About Me
With a background as an estate agent, sales negotiator, and property valuer, combined with years of experience as a mortgage adviser, I understand every stage of the home-buying journey, from viewings and negotiations right through to completion. I’ve also run Airbnbs, holiday lets, and rentals, managed HMOs, and completed a few property flips along the way. This practical insight means I know what really matters to buyers, sellers, and investors alike. It allows me to give well-rounded, realistic advice and find mortgage solutions that truly fit my clients’ goals, making me not just your adviser, but a trusted partner throughout the process.
What clients say
I am a first time buyer and was looking for a mortgage advisor. Chris from David Allen couldn’t have been more helpful. He was very happy to answer any of my questions, fast to reply to emails and made the whole process seem seamless.
I would recommend him to anyone looking for mortgage advice, especially first time buyers.
We were recommended to use Chris as our mortgage advisor through a friend. He has been absolutely fantastic throughout the whole process. He has made the whole process seamless and was always on hand to answer any questions we had, even throughout the Christmas holidays.
Would 100% recommend to anyone looking for mortgage advice.
Chris has been excellent from start to finish – with a relatively complicated mortgage application Chris worked tirelessly and managed to secure a great deal with a lender.
We can’t thank you enough for all your hard work, our family home is now in reach and we can’t wait to move in and start enjoying being home owners.
Ready to take the next step?
No obligation. Friendly advice. Flexible appointments.
Or call or email: 07386 972613
Based in Penrith – helping clients across Cumbria including Kendal • Carlisle • Appleby • Keswick • Workington • Cockermouth