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Meet our committed and expert team working on your behalf.

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David Winchurch (CeMAP, BA Hons)
Director and Co-Founder of Win Financial

With over 20 years' experience across the financial industry, David is passionate about the need for change within the mortgage and protection sector, and for customer service and customer satisfaction to be the top priority. David joined Halifax back in 2003, and worked across a variety of roles, including: Banking Consultant, Mortgage Adviser, and Bank Manager. During this time (and through personal experience), David saw customers treated purely as a number - with securing that all-important sale prioritised over good customer care. With a personal mission to transform the industry into a customer-centric one that puts client needs above all else, David knew there was a better way. And so, he established Win Financial. Understanding that we all lead busy lives, Dave has shaped Win Financial around his customers’ needs. Appointments aren’t constrained to 9-5 Monday to Friday, but are available seven days a week. And, every customer receives their own dedicated contact to provide advice, guidance, and reassurance whenever they need it. David has a desire to grow the business into the mortgage provider of choice, whilst retaining all the qualities of a small, trusted company – first-class service, expert advice, and stellar customer support. He is passionate about leading the business to success, ensuring that the team promotes all that is different about Win Financial – the accountability, the accessibility, the personal touch – whilst also making it a great place to work for his team. David enjoys spending time with his family - at home, he binge-watches TV series with his wife and daughter, and as a Wolverhampton Wanderers FC season ticket holder, attends football matches with his dad and son. He’s also an avid walker, taking his dog out in all weathers, and enjoys training for annual charity challenges.

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Sue Smith (CeMAP)
Operations Manager at Win Financial

Passionate about doing the right thing for the right reasons, Sue prides herself on her honesty, reliability, and commitment to service. Sharing David’s desire to change the perception of mortgage brokers, she’s devoted to delivering the very highest standards of customer care. Having worked at Halifax for 19 years as a Banking Consultant and Mortgage Administrator, she has comprehensive knowledge and expertise across the mortgage and protection sector. Having completed her CeMAP qualification and gained extensive insight into the industry, she has been able to recognise those areas where her personal and professional strengths could be invaluable to customers. She’s considerate, accountable, and reliable – Sue puts the client first. Every time. Dedicated to ensuring that they feel their needs are catered for, that they’re listened to, and that they’re supported throughout the entire process from enquiry to completion, to renewal and beyond. She’s a sun worshipper who loves travelling to new and exciting places, enjoys playing netball, socialising with her friends, and spending time with her daughter.

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Sanjoe Kalluvelil (CeMAP, MBA)
Mortgage and Protection Adviser

Sanjoe prides himself on his professionalism and honesty, he is passionate about helping his clients achieve their dreams. His focus is customer service, his phone is always on and he is happy to fit around his clients, whether that is visit them in the comfort of their own homes or conduct appointments out of the normal 9-5. Sanjoe has achieved Masters in Business Administration from Leeds Beckett University , CSPO Certified and Level 3 Certificate in Mortgage Advice and Practice from London Institute of Banking and Finance. Excited to join Win Financial with their wide portfolio of lenders, Sanjoe is confident he will have a solution to meet all of his client’s needs. As well as being a professional Mortgage and Protection Adviser Sanjoe is a dad of three and loves nothing more than spending time with his family. When he is not at office you will find him spending time with family, friends and loved ones. Sanjoe enjoys going on lots of holidays, whether it’s city breaks, cruises or adventures.

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Steve Timmis

As a Business Growth Specialist and Entrepreneur, Steve has 25 years’ experience in working with establishing businesses, helping them to grow and thrive. Passionate about helping business owners achieve their growth dreams, Steve has partnered with David to build Win Financial into the mortgage broker of choice, with its core focus on prioritising the customer, putting their needs first, and always doing the right thing for the right reasons. Together, Steve and David are on a mission to redefine the societal preconceptions of mortgage advisors and the industry as a whole, whilst creating a positive experience for clients and the Win Financial team. Day-to-day Steve is a Certified Chartered Accountant and plays a very active role in running his own hugely successful accountancy practice, Sempar. He understands that business longevity comes as a result of putting people first. And, that making profits and truly thriving as a business is a natural consequence of this. Steve believes that a culture of a company undoubtedly dictates its success, and so ensures his businesses and investments always have this firmly at the heart of everything they do. Steve loves spending time with his wife, Claire, and their children, is a keen hiker and ever-improving golfer.

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03302 234441

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