Cheryl Rolph

Getting a mortgage application approved is all about knowing exactly what happens on the other side of the desk.

As a Mortgage Adviser at The Fee Free Mortgage Broker and Alexander Southwell Mortgages, I bring a background that is genuinely rare in the broking world. Before becoming an adviser, I spent over 15 years working inside the banking sector. Because of that, I do not just understand how to submit an application. I understand exactly how lenders think, how they assess affordability, and what an underwriter is looking for when a case lands on their desk.

I live and work in Hampshire, and joining this independent, family run brokerage was the natural next step for me. It gave me the freedom to move into a whole of market role, meaning I am never tied to a single bank or restricted panel. Instead, I can search across the entire UK market to find the exact property finance that fits your life.

A career built from the inside out

My 15 years in banking gave me an eye for detail and a structured way of working that most advisers simply do not have. I know what causes applications to stall and how to package a case carefully to give it the absolute best chance of success from day one.

For clients with a straightforward situation, my approach means a smooth, fast, and highly efficient process. For clients with more complex income or unique circumstances, it means you have someone who will take the time to check the numbers thoroughly and anticipate what a lender might ask before it ever becomes an issue.

I am completely honest about where I am in my broking career. I am entering my third year as an independent adviser, building on a massive foundation of banking expertise and growing my market knowledge with total commitment. Backed by an incredibly experienced senior team, I focus heavily on doing the job right and making sure you get advice tailored to you.

Knowing what it takes to put the miles in

Outside of work, I am a passionate long distance runner and a dedicated marathon trainer. My absolute favourite routes take me through the stunning trails of the New Forest and right along the shoreline at Lepe Beach.

Anyone who has trained for a marathon knows what it truly takes. The early mornings, the long weekend runs, and the discipline to stick to the plan when motivation dips. Those exact same qualities—patience, consistency, and a total refusal to cut corners—are what I bring to my clients. I understand the long game, both personally and professionally. When I am not running, I love spending time with my family, and a quiet walk along the Hampshire coast at Lepe Beach is my perfect reset.

What you can expect:

• Inside Knowledge: An application prepared by someone who knows how the banks operate behind closed doors.
• No Jargon: Clear, straightforward communication from a grounded adviser who listens properly and never rushes you.
• A Dedicated Partner: Total commitment to your application from start to finish.

Let us chat about your next property milestone. For standard cases, there is absolutely no broker fee for our advice, just an expert who knows how to get your mortgage across the finish line.