We’re an independent insurance and mortgage broker based in Surrey. We provide advice on a comprehensive range of insurance and mortgage products.

What makes us special

We care about our clients. Our job is to give clear, impartial, well-informed advice and ensure that they get the products which are right for them.

Our values are part of who we are, what we stand for and how we act.

We always believe in the advice that we give.

Our people genuinely enjoy coming to work every day.

We deliver a great experience and service to all our clients.

Our story

Like many great ideas, the seeds of the company were planted after one too many beers in a small local pub in 2016, but it was a couple of years and a few more nights out before things really got started.


We had worked together for a number of years and found we shared a similar vision of what is important, both in life and in business … and we’d heard far too many stories and been aware of some really poor practices, and we knew that wasn’t for us.


Naming the company was one of the biggest challenges (so much harder than we thought!) and after firing plastic arrows at a whiteboard we settled on the name Covertree. We kept the name for a couple of years, but felt it was time for a change. It was MUCH easier this time, and we came up with the name Feel Financial.


This name made so much sense to us, as what we do is give our clients peace of mind and that feeling of security and protection. We help them to achieve life goals with the right mortgage and we support them when things go wrong with the right insurance policy.


Growing the company over the last few years and through some tough economic times is something we’re really proud of. But what makes us get up every day is knowing the difference we bring to our clients – and this is reflected in our reviews. We are real people with feelings who are here to help you.

Why choose us

We bring the breadth of our experience and industry knowledge to ensure we will find the right product for you. We are knowledgeable and professional, but friendly and down-to-earth. No jargon, no confusion. Just plain-speaking great advice.

We put you first

We are a client-focused business and we will always put you first.


We offer independent, unbiased advice on insurance and mortgage products.

We do all the leg work

Tell us what you need and we will find you the solution. We are with you from start to finish.

Peace of mind

We are real people with feelings who are here to help you. It’s why we are called Feel. 

Meet our team

Tim Cole

Founder, Director

Tim has been working in financial services since 2003, with comprehensive knowhow and a can-do attitude that has enabled him to keep adapting to the ever-changing market. At 35, Tim was diagnosed with Acute Lymphoblastic Leukaemia and had to go through a series of chemotherapy and radiotherapy treatments. Thankfully he is fully recovered, but this made him even more passionate about helping people (as individuals and in their businesses) to protect themselves financially if something goes wrong. 

Tim lives with his wife and daughter. He is very much a family man, but away from the office you will usually find Tim either on the golf course or a tennis court.

Mark Dobner

Founder, Director

Mark started his career in the technology industry but made the move to financial services in 2015, and founded the business with Tim in 2018. From working with both corporate and personal clients, his wealth of experience and abundance of knowledge are the foundations to his advice. With customer service at the forefront of his mind, Mark’s goal is to provide the best and right advice to each client and ensure they have a truly excellent experience from start to finish.


Mark is a keen scuba diver and has been lucky enough to dive some of the world’s most spectacular reefs and wrecks. 

Ethan Penson

Mortgage Adviser

Ethan looks after mortgages at Feel Financial. His background was in property maintenance before moving into mortgages a few years ago. He is passionate about helping people achieve their goals, whether it be a first-time buyer excitedly stepping onto the property ladder, or a Buy To Let investor looking to expand their portfolio. He works with the client every step of the way to make the process stress-free, friendly, and sometimes even fun! He loves a good joke – and lots of bad ones too.

Ethan lives with his wife, their dog, Frankie, and cat, Mr Gus. Ethan loves heading down to Cornwall to surf when he can, and he also enjoys brewing beer – his current mission is to develop the perfect IPA.

Join our team

Want to join the team?

If you want to be part of our awesome team, send us your CV and a cover letter.

Our reviews

Don’t just take our word for it, our customers rate us too.

Sarah W
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We have had our Income Protection arranged by Tim for the last couple of years, he has always been very friendly and helpful, and has always called at a time convenient for us. After having one insurance in place for a year he contacted us again to arrange a better deal saving £15 a month, would definitely recommend their services for anyone looking for insurance!
Danny H
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Fantastic service from initial contact right through to getting details through, Tim offers peace of mind in an industry that is fraught with stress. Will be highly recommending to all friends and family should they require his services or skills. 5 stars for certain!
Ben J
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A really good service Tim has helped us through everything, explained everything in detail , explained everything that we weren't sure about, and got us what we needed and more!! Well recommended company and will be passing Tim`s number to family and friends that require his services in the future.
Jon H
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Great service from Tim helping me find the right insurance product for my needs and clearly explaining the different options available. Thanks Tim!.
Laura M
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Tim has been absolutely fantastic. Listening to my needs and finding a perfect policy to suit my budget and wants. He has been really responsive and contacted me at my convenience. Highly recommended.
Lyn R
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Tim and the team have been amazing. We are first time buyers, so the whole process was quite daunting walking into the unknown. We were so fortunate to have met a team who have supported us throughout. Tim found us a policy that suited our needs budget-wise and provided the cover we were after. He explained everything clearly, asking if we had any questions along the way. He was very responsive, kept us informed and stayed well connected with other key parties involved in our purchase without us having to chase at all. Tim was on it, had our interests in mind - he was great, would highly recommend. Thanks Tim and team!
Bernard C
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Excellent service on my new mortgage and a re-mortgage for my daughter - looking to have them also review my insurances as a result - Thanks TIm
Sarah G
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I honestly was confused about life insurance and Tim worked with me on budget and gave correct advice which really put me at ease. Im so happy that I can contact Tim with any questions as i now have a friend for life in these matters. Thanks Tim!
Adam B
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Great service! Needed a revised business insurance policy after moving into a new premises - the business has a few complexities but the advice was very thorough and clear and we ended up with a policy that we're really pleased with. Will be renewing with them for sure!.
Ian F
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Can't find fault with this company's service! Having dealt with Tim firstly for income protection I was so impressed by Tim's attitude that I later contacted him for life insurance too. He actually comes across like he really cares about getting the right product for you. Would highly recommend using this company, 10/10!

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