One Stop Finance


Mike Dimonaco of One Stop Finance

In our business it is essential to have a financial services company on board that you can trust, who is pro-active and incredibly knowledgeable about all aspects of the industry.  Plus it helps if they are friendly and approachable too so that our customers can ask any questions they are unsure of, without feeling inadequate or worried they might be asking something silly or obvious!

Sewell & Gardner have put their trust in a local company called One Stop Finance, based at 138 Marlowes, Hemel Hempstead. Our 2 appointed financial advisers, Mike Dimonaco & Terry Donovan offer INDEPENDENT advice on not only residential mortgages, but also buy-to-let and let-to-buy products, insurance, investment strategies, stamp duty land tax mitigation and much much more!

Mike and Terry can guide first time buyers through the scary and somewhat daunting process of achieving their first mortgage but they have such a wealth of mortgage experience that they are able to assist clients at all levels to make an informed choice and to guide them through the mortgage maze!

Mike says “We believe that our role is to help you and so humanise the process of sourcing the whole of the market, rather than only offering a single option or restricted panel, and helping demystify the mortgage application process. There are thousands of mortgage solutions, from owner occupied to investment, and choosing which one is best for you, and smoothing through this difficult process, is what our expert advice is here to deliver.”

Of course, it has to be said that your home may be repossessed if you do not keep up repayments on your mortgage or other loan secured on it.

Mike Dimonaco

Mike Dimonaco from One Stop Finance

Mike Dimonaco

General Manager

A Mortgage and Protection Adviser, with 30 years of experience in the finance industry. Mike worked for two large life offices at a senior level before switching to run Magic Mortgages in November 2004, in his home town of Hemel Hempstead, when Mike was keen to get involved with his local community and helps make a difference on a business, as well as personal, level. Late in 2009 Magic Mortgages came together with Oyster Mortgages and along with other like-minded colleagues they formed the One Stop Finance Group of which Mike is the now the General Manager. Mike is a keen sportsman and although not 21 anymore he still turns out for the occasional game of Rugby.

Terry Donovan from One Stop Finance

Terry Donovan from One Stop Finance

Terry Donovan


Has over 12 years experience in the Financial Services market including FSA regulation and Compliance. Terry joined us over six years ago to assist with and help implement the companies compliance structure. Fully CeMap qualified Terry has now become a key part of our experienced and successful team of OSF consultants working in the mortgage and protection market. Terry has lived in Hemel for the past 18 years and he is a keen sportsman.

Don’t just take our word for how great these guys are, pop in and visit them at

138 Marlowes, Hemel Hempstead, HP1 1EZ

or phone them on 01442 232272

Check out their website @




First Time Buyer deal at 75% (25% deposit required)

Free valuation

Rate of 2.49%

(Subject £995 booking fee)

Money Hill Parade – Ideal for first time buyers

First Time Buyer deal at 85% (15% deposit required)

Free valuation

£250 cash back

Rate of 3.79%

(Subject to £995 booking fee)



80% Loan to Value (20% deposit) RATE @ 4.99%

75% Loan to Value (25% deposit) RATE @ 2.74%



ON 01442 232272

Fees & Compliance: OSF Ltd – Mortgages

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.  OSF Ltd will charge a fee for mortgage advice. You can choose how we are paid: pay a fee, usually in a range from 0.5% to 2% of the loan amount with commission rebated to you, or we can accept commission from the lender.  One Stop Finance Limited is an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited which is authorised and regulated by the Financial Services Authority. Intrinsic Financial Planning Limited is entered on the FSA register ( under reference 440703. Intrinsic Mortgage Planning Limited is entered on the FSA register under the reference 440718.

Registered office: Aston House, Cornwall Avenue, London, N3 1LF. Registered in England and Wales: 6876390