Whole-of-Market Mortgage Advice | Protection & Specialist Finance
Friendly, professional mortgage, protection and specialist finance advice, tailored to your circumstances and delivered at your own pace.
Based in North Devon | Face-to-face appointments at agreed locations across Devon & Cornwall | UK-wide remote advice
What are you looking for?
Search guides, mortgage types and protection topics
How I Can Help You
Tailored advice across residential, specialist and protection needs.
Mortgages
Residential mortgages and remortgages for a wide range of circumstances, including self-employed, complex income and tailored cases.
View MortgagesSpecialist Finance
Buy-to-let, portfolio lending, commercial finance, bridging, second charges and development loans.
View Specialist FinanceProtection
Life insurance, critical illness cover, income protection and family income benefit.
View ProtectionWho I Help
I work with people from all walks of life — wherever you are on your journey, you are welcome here.
A Specialist Niche: Childcare, Family & Care Professionals
Having worked in nurseries, foster settings, childminding and private nannying, I understand that childcare and family-focused roles do not always fit into a simple box.
Whether you are a private nanny, childminder, foster carer, nursery worker, teaching assistant, children's social care worker or care-based professional, your income and working pattern may need a more considered approach.
This advice is shaped by real experience in family-focused roles, not just paperwork.
Private Nannies
Support for clients with employed, self-employed or family-based arrangements, including variable hours, changing contracts or multiple income sources.
Explore support for family & care professionalsChildminders
Support for self-employed childminders whose income, expenses and accounts may need to be understood carefully by lenders.
Explore support for family & care professionalsFoster Carers
Support for foster carers where income, allowances and household circumstances may require a more specialist approach.
Explore support for family & care professionalsFamily & Care Professionals
Support for nursery workers, teaching assistants, children's social care workers, carers and others supporting children, families or vulnerable people.
Explore support for family & care professionals
Supportive Advice for Sensitive or Complex Circumstances
Most clients come to me for everyday goals — buying a first home, moving, remortgaging or arranging protection. Some are also navigating something more sensitive at the same time, such as disability, health conditions, separation, financial control, bereavement, family change, complex income or rebuilding after a difficult chapter.
At Wellness Mortgage & Protection, the aim is to make the process feel clearer, calmer and more manageable. You will be given space to explain your circumstances, understand your options and make decisions at a pace that feels manageable.
Disability or Health Conditions
I know first-hand how much patience, flexibility and being truly listened to can matter — so you can expect an approach shaped around you, without judgement.
Explore disability & health supportSeparation, Financial Control or Rebuilding After Abuse
I understand how vulnerable these moments can feel. Expect a calm, confidential space to talk things through privately and rebuild confidence at your own pace.
Explore separation mortgage optionsFamily Change, Bereavement or Difficult Life Events
Life rarely runs in a straight line. I bring a steady, understanding approach to decisions made during change, loss or caring responsibilities.
Talk through your circumstancesComplex Income or Financial Circumstances
Having been self-employed and a company director myself, I understand how varied real-life income can look — and the considered approach it deserves.
Explore complex income supportI am not a domestic abuse specialist, solicitor or debt counsellor, but I can provide mortgage and protection advice and signpost to specialist organisations where appropriate.
NHS Staff, Healthcare Workers & Carers
You spend your days looking after other people — I'm here to help look after your plans for a home. I support nurses, midwives, healthcare assistants, paramedics, doctors, support staff, care workers and unpaid carers across the UK.
Shift enhancements, bank shifts, overtime, rotations, fixed-term contracts, agency work or caring responsibilities can all affect how lenders view your income. I'll take the time to understand how you really work and explain your options clearly — at times that suit your shifts.
NHS & Healthcare Staff
Basic pay plus shift enhancements, bank work and overtime explained to lenders properly.
Doctors & Rotations
Support with fixed-term contracts, training rotations and locum income.
Care Workers
Help where hours vary, you work for an agency or have more than one job.
Unpaid & Family Carers
Understanding support if caring for a loved one affects your income or time.
Advice Tailored to Your Situation
Dedicated guidance for specific needs and circumstances.
First-Time Buyers
Step-by-step support to help you feel confident and informed from the very start.
Learn more about first-time buyersFamilies
Tailored advice for parents, carers and growing households.
Learn more about familiesNHS & Care Workers
Support for NHS staff, healthcare workers and carers with shifts, bank work, overtime or rotations.
Learn more about NHS & care workersDisability & Complex Needs
Patient, understanding support for clients with health conditions or more complex personal circumstances.
Learn more about disability & complex needsHoliday Lets
Finance guidance for holiday let properties in Devon, Cornwall and the South West.
Learn more about holiday letsAccess to a Wide Range of Lenders
Whole of market mortgage advice, plus protection from a wide range of providers. We search mortgages from across the market — around 200 lenders — but not deals you can only obtain by going directly to a lender. However, we do have several exclusive mortgages only available through ourselves and other brokers.
Whether your case is straightforward or more complex, having broad lender access can make a real difference.
From Everyday Cases to Specialist Lending
High street banks, building societies and specialist lenders for complex circumstances
Showing a selection — I have access to many more lenders across the UK market
About Me
I'm Elize, and I support individuals, families and business owners through important financial decisions, particularly when circumstances feel complex, sensitive or overwhelming. I believe mortgage and protection advice should feel personal, supportive and tailored to real life, not transactional or one-size-fits-all.
Before becoming a mortgage and protection specialist, I worked in family-focused roles including day nurseries, foster settings, childminding and private nannying. Alongside this, I have real working knowledge of self-employment, complex income and Company Director income — and my own experience of living with disabilities has deepened my empathy for how important it is for people to feel safe, supported and genuinely heard.
Based in North Devon, I offer face-to-face appointments at mutually agreed locations across Devon and Cornwall, alongside telephone and video appointments for clients throughout the UK.
My aim is to make mortgage, lending and protection advice feel clearer, more personal and genuinely supportive from start to finish.
Learn More About MeHow I Work
Listen and understand
We start with a calm conversation about your circumstances and goals.
Research suitable options
I do the legwork across the market to find options that fit your situation.
Explain clearly
Plain-language guidance so you can make confident, informed decisions.
Support you through
Steady support from application through to completion and beyond.
Why Clients Choose Wellness
Award-winning, qualified advice from a South West adviser who takes the time to understand your real life.
Award winner
2026/2027 Mortgage & Protection Advisers of the Year — South England Prestige Awards.
Fee-free rate switches for life
Once you complete a mortgage with me, future like-for-like residential rate switches and remortgages on the same property have no broker fee from Wellness Mortgage and Protection. Excludes extra borrowing and lender fees. Full terms apply.
See fees and full termsQualified and accredited
Appointed Representative of Connect IFA Ltd, authorised and regulated by the Financial Conduct Authority.
About ElizeLocal to the South West, helping across the UK
Supporting clients in Exeter, Plymouth, Torbay, Torquay, Truro and across Devon, Cornwall, Somerset and Dorset — plus anywhere in the UK by phone or video.
Get in touch →Remind me before my deal ends
Tell me when your current fixed or tracker deal ends and I'll get in touch around 6 months before, so you have time to review your options and avoid moving onto your lender's standard variable rate.
Why Choose Wellness Mortgage & Protection
Personal, supportive advice
Whole of market access
Experience with complex circumstances
Flexible phone, email & video appointments
Clear communication from start to finish
Based in the South West, supporting clients across the UK
Mortgage & Protection Calculator Centre
Choose a calculator to explore your mortgage, buy-to-let, stamp duty, borrowing, overpayment and protection scenarios.
All calculators are for illustration only and do not constitute financial, mortgage, tax or protection advice.
Important – Please Read Before Proceeding
Before providing your details or requesting personalised mortgage or protection information, please read our Terms of Business and Initial Disclosure Document. It contains important information about our service, fees, and regulation.
Read our Terms of Business and Initial Disclosure DocumentResidential Mortgage / Remortgage Calculator
Estimate monthly residential mortgage repayments for purchases and remortgages.
Loan Amount
£225,000
Monthly Repayment
£1,251
This calculator is for illustration only and does not constitute financial advice. Actual payments will depend on your lender, rate and circumstances.
Let's Talk
Whether you are buying, remortgaging, investing, protecting your family or navigating a sensitive situation, I am here to help you understand your options.
Get in Touch