I specialise in mortgages for a wide range of clients, in particular teachers and key workers. I am also experienced in helping clients with complex income structures, the self-employed and buy to let landlords. I work around my clients’ availability and conduct evening and weekend appointments, including Sundays.

Do you think that your income structure is different from most? Do you earn primarily commission, bonus or overtime income? Do your payslips vary from month to month? I specialise in complex income structures and I have access to a wide range of products from high street lenders and specialist products not available directly.

Do you have an interest-only mortgage and no way of repaying it without having to sell or downsize? Don’t worry – there are solutions available and I’m here to help you find the right one.

Have you missed payments in the past, perhaps not knowingly, and now struggle to raise a mortgage? I have helped many clients in a similar position find a solution.

Are you self-employed but don’t have two years’ worth of accounts? Have you just changed your structure from a sole trader to a limited company or vice versa? There are specialist lenders who can help.

I also offer advice on life insurance, critical illness, income protection and family income benefit.