About us

We’re a family-run business, taking a personal approach to solving your financial problems. We spend time listening to your objectives and we evaluate all the possible routes for you.


With decades of collective experience in finance, we know the market and we have long-standing relationships with lenders. The first business we founded, Windsor Hill Mortgages, is now an award-winning outfit, recognised for our outstanding client service. We’ve built a reputation in the market for being reliable, resilient, accurate and successful in what we do.

Creative problem-solvers

We think there is always a means to achieving your funding goals. Where others may hit a brick wall, we find creative ways to make your deal viable. We have the experience to know how to structure unusual or complicated funding and where to look for alternative routes. There’s always an answer, whether it’s right now, or further down the line.


We’re at the end of the phone for your questions. We always keep you up to date with your application, but if you have queries along the way, we’re happy to help.


We have established relationships with a range of funders, which helps us access finance that isn’t directly available to borrowers. But we also have a team of associates and partners, with whom we work closely to provide you with a comprehensive, holistic service.  If you need tax, legal or accountancy advice, we have experts on hand to call upon.

Meet the founders

Elliot Cotterell

Elliot started his career in financial services in 2015 as a Mortgage & Protection Associate working for one of the largest mortgage brokers in the UK. He became a leading adviser in the business, before founding his own award-winning company in 2020. Under Elliot’s leadership the business went from strength-to-strength, and is trusted across the nation to deliver the expected excellence of service that him and his team have always provided.

Elliot is a versatile adviser, having grappled with various scenarios and unusual individual situations. With his valuable and expansive experience, he can unpick even the knottiest problems. He is motivated by seeing clients achieve their dream home, and improving the financial position of his clients.

Seeking a challenge in commercial finance, Elliot and his brother Oliver founded Cotterell and Cotterell in 2022.

In his spare time, Elliot playing sports, including squash, tennis, rugby and running. Elliot also enjoys time with his family and is a proud uncle, taking great pride in watching his nieces and nephews grow up and being a huge part of their lives.

Oliver Cotterell

Oliver has worked in finance and property development for over 15 years. He began his career at a large corporate firm, before setting up his own award-winning family-run brokerage in February 2020.

He founded the company with a view to improving the client experience and providing a quality, individual service. The brokerage has gone from strength to strength and now has a reputation nationwide for astute advice and excellent service.

Oliver is known for his high standards, and finding creative ways to achieve outcomes for clients. He takes great pride in helping others create and implement strategies to make the most out of their investment opportunities, maximising profits and returns on every project.

Oliver has a personal interest in property alongside his professional work. He spends his spare time developing properties and working on his very own small holding. He’s a family man and you’ll often find him on a country walk or visiting a National Trust Property with his two children.

Oliver is a huge rugby fan. Having spent much of his university life competing for the 1st XI, it’s safe to say that his drive to succeed has come in handy on and off the pitch!