The Mortgage Brain has a team of fully regulated mortgage advisers who provide no obligation advice. We are 'whole of market' which means we will source the right mortgage deal for you through our extensive range of lenders, many of whom we have developed good relationships with and often have access to exclusive offers.
We pride ourselves on delivering great customer service. Each client has their own dedicated mortgage administrator who works closely with both lenders and solicitors ensuring the application is processed quickly and as smoothly as possible.
Investing in people and technology, The Mortgage Brain is serious about offering the best products to our clients and an outstanding delivery helping each of our clients through the process to completion.
MEET THE TEAM
Enzo Mora - Director
Enzo has worked within in the Financial Services Industry since he was 20, starting out as a District Agent for Prudential. After many years offering financial advice, Enzo decided to specialise in Mortgage Advice.
With his extensive knowledge, experience and the passion for offering exceptional customer service, the next logical step was to set up his own Mortgage Brokering firm and so, in 2001 The Mortgage Brain was founded.
Enzo drives the business forward on a daily basis, the hard work and positive attitude provided by his team enables The Mortgage Brain to offer mortgage advice service which clients can trust and rely upon time and time again.
His other passion is Tennis, having played all his life, and having supported his daughter who has played nationally since the age of 6 and internationally from the age of 13, she is now off to America for 4 years giving him time to play more. Greatest tennis achievement was being at the men's Wimbledon final to see Andy Murray win the title 2013.
Michelle Weir - Office Manager
Michelle has been with The Mortgage Brain for over 10 years, starting out in an administrative role. Over that period of time, through her dedication and experience, this has led to her becoming Office Manager.
Taking an active role within her admin team, she is able to keep in touch with ongoing cases, ensuring the smooth application process from start to finish. As well as managing the administration team, she also oversees payroll, provides invaluable support to Enzo Mora, Director and is working towards a Human Resource role.
Michelle's passion resonates through her team, her aim being, to provide the administration team with the tools and knowledge to provide a second to none service to all clients.
Being a mum to 4, she also helps her husband run his martial arts gym, any spare time is spent with precious family and friends.
Ryan Hill - Insurance & Protection Manager
Ryan started his career in Insurance and Protection with The Mortgage Brain in 2015, and in that short time, he has progressed to Insurance and Protection Manager
Being customer focused and diligent, Ryan wants to ensure clients receive an outstanding service and provide the best competitive quotes on the insurance market.
Ken Biscoe - New Build Sales Director
Ken has over 20 years' experience in New Build housing market. Developing relationships with major UK National Builders is central to his success. Working closely with each Builder, Ken delivers a managed service ensuring the needs of each site is appropriately catered for.
Ken also helps people achieve their dreams. Whether you are first time buyer, moving home, looking to remortgage, or need some assistance from one of the government schemes, he will endeavour to find the best mortgage deal that meets your circumstances.
Pam Harper - Facilities Manager
Pam supports Enzo in driving his strategy for future business growth and development. Taking his raw ideas and helping to translate them into practical work streams that deliver results. This involves overseeing processes and projects, collaborating with staff and business partners.
Having a keen eye for detail and her methodical way of thinking is a great asset to the team.
Austin Degge - Mortgage & Protection Specialist
Austin specialises in advising and arranging residential mortgages for the self employed. Clients may be structured as Sole Traders, Partners, Ltd Company Directors and Contractors from every industry.
He also has experience of handling client enquiries where income flows from two or more sources, or where lending is required using the latest years's accounts.
Specialist lending is also common including dealing with relationship breakdown, Buy to Let, second homes, holiday homes and anything which is non-standard.
Terry Sutherland - Mortgage & Protection Specialist
Terry has over 25 years' experience in Financial Services, previously time served fully qualified advising on holistic services i.e. pensions, investments and mortgages before specialising solely in mortgages.
Having worked in the large corporates in higher management and sales roles and previously as a Branch manager overseeing 25 advisers in a large Independent Financial Services company in Covent Garden's London, Terry brings a wealth of expertise and knowledge to The Mortgage Brain.
His caring and sensitive approach to clients' needs ensures that clients fully understand mortgages helping them to find a solution to fit their circumstances like a glove!
Barry Robinson - Mortgage & Protection Specialist
Dip PFS Cert CII (MP)
Barry has a very professional approach and is vastly experienced in the New Build market and is happy to assist with any type of mortgage enquiry and has assisted numerous first time buyers get onto the property ladder.
He enjoys making the process as quick and easy as possible for any clients and is happy to assist with their enquiries through to completion. He also has a great understanding of the schemes available such as Help to Buy and can ensure that clients fully understand this concept before also arranging this on their behalf.
He has over 20 years experience in the financial industry and will happily discuss and recommend any related insurance products to ensure all needs are taken care of.
Fiona Harris - Mortgage & Protection Specialist
Fiona specialises in mortgages for New Build house builders, this includes shared equity and shared ownership, be it the builders own or the government Help to Buy schemes.
Fiona also arranges Buy to Let mortgages and re mortgages.
John Short - Mortgage & Protection Specialist
John has over 25 years of advising clients in mortgages and all forms of protection products from individual life policies to policies for businesses and their staff.
Specialising in business mortgages and specialist mortgages for clients and companies looking to invest in property.
John is also an authorised Will adviser which he has been involved in for over 15 years believing that this compliments and enhances any protection planning clients may put in place.
Daniel Donaldson - Mortgage & Protection Specialist
Based at our Bristol office Dan's specialism is in complex mortgage situations including self-employed, contractors, interest only, buy to let, holiday homes and Ex-Pats.
Priding himself on working hard with drive and enthusiasm to find the most suitable mortgage for clients. Dan works quickly whilst ensuring he provides best advice at all times as he understands the importance of getting it right first time.
Andrew Janczak - Mortgage & Protection Specialist
With 21 years experience in New Build and the second hand mortgage market. Helping people whether they are first time buyers, movers or for people who wish to remortgage.
Andy can fully assist in the government Help to buy schemes from the initial enquiry, to helping with reservations, dealing with the government agencies and solicitors.
Kerry Williams - Mortgage & Protection Specialist
Kerry uses her extensive knowledge of both the New Build and second hand housing market to help her clients find and buy their dream home.
With over 20 years experience in the Financial Services Industry there are not many challenges that Kerry has not successfully helped her clients overcome. Whether you are buying your first home, moving house as your family grows, investing in property for your future financial security or remortgaging to find a better deal to save you money, Kerry will be with you every step of the way.
Kerry combines the highest professional standards with a warm and friendly personality and exceeds her clients expectations at every stage. Over the years she has built herself a trusted and well respected reputation among both her clients and colleagues. Kerry also shares with her clients her detailed knowledge in the insurance market for mortgages, Income Protection and Family protection needs.
Yvonne Urquhart - Mortgage & Protection Specialist
Extensive experience in New Build and Second Hand Market. Helping clients whether first time buyers, homemovers, investors or remortgaging.
Providing detailed knowledge in the insurance market for mortgages, Income Protection and Family protection needs.
Yvonne has over 20 years experience in the Financial Services Industry.
Aimee Tovar - Mortgage & Protection Specialist
Aimee has over 20 years experience in the mortgage industry ranging from underwriting mortgage applications for banks and building societies to advising on mortgages as an independent mortgage advisor.
She specialises in advising and arranging residential and Buy to Let property purchases and remortgages and the related insurances such as family protection and income protection.
Ann Embling - Mortgage & Protection Specialist
Ann joined The Mortgage Brain as a mortgage administrator over 10 years ago and has over 20 years experience in Financial Services.
Through her knowledge and dedication Ann was asked to head up the Insurance department. This was a new venture providing clients with competitive insurance cover. However, her passion was to become a mortgage adviser and passed her CeMAP qualification.
Ann has now joined the strong team of mortgage advisers, with her mortgage and insurance administration background this is a great compliment to her new position.
Being very meticulous and committed to providing excellent customer service, Ann ensures clients obtain the best mortgage deal depending on their requirement, dealing with First time Buyers, House Purchases, Buy to Let and Remortgages.
Ian Nicholls - Mortgage & Protection Specialist
Ian has over 25 years' experience within Financial Services, in various roles ranging from independent financial adviser, business development roles and mortgage adviser. With this experience, Ian is well placed to advise not only on the right mortgage solution, but also on the right protection to ensure that clients can not only buy their home, but make sure that they can stay in their homes no matter what life throws at them.
Ian prides himself on providing exceptional levels of customer service from initial enquiry, right through to completion and then future mortgage reviews, offering a lifetime of mortgage and protection advice.
Daniel Read - Mortgage & Protection Specialist
Cert CII (MP)
Daniel entered the financial industry after a long career in the British Army. Before joining The Mortgage Brain, he gained immense experience providing protection advice to Military personnel.
Fully qualified to give mortgage and protection advice, he uses this background to offer a regimented service to all his clients in the New Build market and is happy to assist with any type of mortgage enquiry.
He has a great understanding of the schemes available to assist with house purchase and ensures that his clients are also comfortable with these schemes. When clients are completely satisfied, he will arrange all applications on their behalf.
He focuses on the needs of his clients and assists them to make the home buying process as easy as possible.
Matt Burge - Mortgage & Protection Specialist
Cert CII (MP)
Having worked for 20 years' in financial services, firstly in life and pensions, then mortgages. Matt provides a wealth of experience having gained the Certificate in Life & Pensions and more recently the mortgage qualification Cert CII (MP).
Matt prides himself on providing exceptional levels of customer service and has achieved the Institute of Customer Service Award for Communications.
Ben Townsend - Mortgage & Protection Specialist
Ben specialises in dealing with the self-employed, those who have complex income streams and complex High Net worth cases and he joins The Mortgage Brain with having over 6 years' experience in the financial services industry.
He is meticulous about details, whether you are a First Time Buyer, looking to move, remortgage or invest in a Buy to Let property, Ben wants to exceed his client's expectations every time.
"Building good relationships with my clients is extremely important to me, I want to ensure the mortgage application is a smooth process all the way through to completion"
When Ben is not arranging mortgages, you will find him on the rugby field, playing in the back row for Cheltenham Tigers RFC.
Ben's commitment reverberates on and off the pitch and we are pleased he is on our team.
Henry Parsons - Mortgage & Protection Specialist
Cert CII (MP)
Henry joins The Mortgage Brain with over 2 years' experience working in the New Build Mortgage sector and advising on Home Insurance. In this time, he has worked in various mortgage and protection administration roles developing his industry knowledge, in particular shared ownership mortgages.
Henry has already gained his CF1 and CF6 qualifications, his enthusiasm to learn and provide great customer service to our clients, is an asset to The Mortgage Brain.
Steve Kay - Mortgage & Protection Specialist
After leaving the Royal Naval Submarine Service in the early 90`s Steve worked for both the Prudential and the Halifax in financial services for a number of years before leaving to pursue a long career with the Fire Service until earlier this year.
Away from work Steve is definitely a family man. Spending time with his wife & children is very important to him, and loves following their sporting achievements as well as his beloved Everton Football Club.
Ryan Dunne - Mortgage & Protection Specialist
Ryan has experience dealing with residential purchases and remortgages as a CeMAP qualified Advisor.
Ryan specialises in the Help to Buy Scheme, often attending Help to Buy Events to provide advice to First Time Buyers and Home movers. Additionally, as a New Build Advisor Ryan has a understanding of the specific deadlines associated, working 7 days a week to achieve these targets.
Ryan prides himself on providing an excellent customer service making it as efficient as possible, allowing for a stress-free experience for the customer.
Katie Macleod - Mortgage & Protection Specialist
Katie joins The Mortgage Brain with over 4 years' experience obtaining mortgages, specialising in mortgages for Foster Carers and Shared Lives Carers. Working closely with The Fostering Network and Shared Lives Plus Katie has been involved in amending policy with lenders to ensure that 100% of the income received can be taken into consideration.
Whether you are looking to re-mortgage for home improvements, obtain a lower monthly payment or move to a new house, Katie can help to turn your dreams into a reality and will work tirelessly to find you a mortgage to suit your individual needs.
As well as being CeMap qualified, Katie has also started her Diploma in Regulated Financial Planning. She has passed R01 (Financial services, regulation and ethics) and R05 (Financial protection) and is currently working towards R04 (Pensions and retirement planning), so is well equipped to assist you with your protection needs in terms of life assurance, critical illness cover and income protection.
Taking a friendly approach to mortgages, Katie invests in the process as much as many of her clients, building long term relationships rather than simple transactions. She has built trusted relationships with her clients, by being approachable and honest throughout every stage of the mortgage process.
Katie always wants to exceed her client's expectations; priding herself on outstanding customer service skills, she will bend over backwards to help each and every one of her clients.
Marcus Davis - Mortgage & Protection Specialist
Marcus has worked in financial services for over 15 years and so brings a wealth of experience and knowledge to The Mortgage Brain. The heart of Marcus's business is arranging mortgages for Foster Carers and Shared Lives Carers. Marcus works hard to provide reliable and expert mortgage advice and enjoys securing mortgages for his customers and seeing them achieve the required results.
Marcus lives with his wife and three young children and so understands how busy family life can be.
Rob Williams - Mortgage & Protection Specialist
Rob has worked in the mortgage industry since 2001 starting out with Barclays Bank. Over the course of his career he has gained considerable experience in helping a wide variety of clients with different circumstances.
During his time in the financial services industry Rob has worked in various mortgage and protection roles and prides himself in exceeding his clients' expectations.
Rob can assist first time buyers, home movers or those looking to re-mortgage. He is approachable and ensures his clients receive the benefit of his knowledge and expertise in the mortgage and protection sector. He works closely with all the parties in the conveyancing process including solicitors, lenders, developers and agents in addition to his clients. All this results in a smooth transaction for everyone involved.
When Rob is not in work he enjoys spending time with his young family and the odd game of football.
Laura Skinner - Mortgage & Protection Specialist
Laura joins The Mortgage Brain with over 3 years experience offering an unbiased personal service to reflect the client's needs and expectations, from beginning to end. She prides herself on providing a professional approach to meet individual needs whether they are looking for that dream home, to save money by remortgaging or for assistance with the Help to buy schemes for new build properties.
Laura believes that treating her clients as she would expect and like to be treated is a key component in providing quality and sustainable advice and understands the importance of getting things done right first time.
Outside of work Laura loves to spend quality time with her family and her 3 dogs. Laura also enjoys going to the cinema and eating out.
Dannii Campbell - Mortgage & Protection Specialist
Dannii has over 16 years of experience within the financial sector, she can provide you with a tailored solution to fit your needs, whether that is buying your first home, remortgaging, buying a second home or a buy to let property.
Dannii will be there every step of the way to help make your dreams become a reality and offer you honest straightforward advice and support.
Mark Wadmore - Mortgage & Protection Specialist
Mark joins The Mortgage Brain as a London based adviser. He has been in the mortgage lending community since 2000 and has worked in both the London City and country Home markets specialising in loans for mid to high net worth individuals.
He enjoys placing complicated cases and has access to Private Banks and Boutique lenders when sourcing cases for his clients.
Mark is also able to place cases for both Vanilla mortgages as well as development finance, bridging loans and commercial finance. With having many portfolio buy to let clients, he can arrange funding in both personal names or as a Ltd Company.
Outside of work he enjoys spending time with his 3 children and supporting his local football team.
Mary Crawley - Mortgage & Protection Specialist
Mary is a warm, articulate and professional person, with over 12 years' experience in the Financial Services sector. She prides herself on her personal approach, always putting her customers at the heart of decisions and actions.
Diploma qualified in both Mortgage Advice and Financial Planning, Mary has chosen to focus on providing excellent Mortgage & Protection advice. Over the course of her career, Mary has assisted a wide variety of customers with vastly different circumstances.
Mary can assist in helping you purchase your new home, investment property or review your current circumstances to see if you can save money. She can also review your protection needs, to ensure that you and your family are provided for should the worst happen.
When she's not working, Mary enjoys spending time with her young children & husband and is also an avid Pub Quiz participant/ host.
Peter Spence - Mortgage & Protection Specialist
CII Cert SMP
During his time in the financial services industry Peter has worked in various mortgage and protection roles gaining considerable experience in helping a wide variety of clients with different circumstances. He prides himself in exceeding his clients' expectations whether you are purchasing your first home, moving property, investing in property for your families future financial security or looking to remortgage to find a better mortgage deal.
Peter also provides detailed knowledge of the insurance market including Life Cover, Income Protection, Critical Illness cover and Family protection needs. Being approachable is important which ensures his clients receive the benefit of his knowledge and expertise in the mortgage and protection sector.
Mark Burrell - Mortgage & Protection Specialist
Mark has over 6 years of experience working within Financial Services gaining valuable experience and working in a variety of roles. He has spent the last 3 years specialising in the New Build sector but is also happy to assist clients whether they are looking to save money by re-mortgaging, purchase their forever home or invest in a Buy To Let property.
Mark prides himself on exceeding clients expectations and always treats clients with respect and according to their individual needs.
Amberley Bunce - Mortgage & Protection Specialist
Amberley has joined The Mortgage Brain specialising in new build sector and primarily works with Help to Buy arranging mortgages for first time buyers and home movers.
With several years as a CeMap qualified Advisor Amberley also has experience dealing remortgages as well as arranging protection.
Amberley prides herself on giving outstanding customer service to her clients and being as efficient as possible, making sure that the customer experience as seamless as possible.
Alex Murton - Mortgage & Protection Specialist
Having worked in Financial Services for 20 years Alex has a vast experience in advising his clients and helping them achieve their goals. Alex enjoys the varied clients that he deals with being a mortgage adviser, be it a young couple seeking their first dream home to an experienced portfolio buy to let landlord or self-employed director.
When not busy helping people buy their new homes Alex can be found spending time with his wife and young son or out on the football pitch playing Vets football still hoping one day he may be 'spotted' to turn pro.
Alex Phillips - Mortgage & Protection Specialist
Frankie Chamberlain - Mortgage Administrator
Cert CII (MP)
Frankie has been supporting the advisors and clients for the last 4 years ensuring that mortgage applications are processed as easily and quickly as possible,
She understands that this can be a stressful time for some and provides great customer service something she prides herself in.
Sarah Palmer - Mortgage Administrator
Having worked for 18 years' in financial services, firstly in life and pensions, then mortgages. Sarah provides a wealth of experience and having gained her Financial Planning Certificate, her contribution makes her a valued member of the administration team.
Sarah strongly believes that great customer service is an obligation, something she delivers time and time again.
Tamara Weir - Mortgage Administrator
Tamara is an esteemed member of the Administration team, joining The Mortgage Brain in 2015, she has completed an Advanced Level Apprenticeship in Business and Administration and been awarded with Level 3 Diploma in Business Administration.
As a dedicated mortgage administrator, supporting clients from application stage through to completion, Tamara finds providing good customer service extremely rewarding and enjoys working closely with other colleagues.
Tamara recently gained her CeMAP 1,2 & 3 qualification, with this achievement now under her belt, she can progress towards become a Mortgage Broker.
Bromley Taylor - Mortgage Administrator
Bromley Taylor has joined The Mortgage Brain as Mortgage Administrator Apprentice, joining us straight from VI form.
Bromley competes in kickboxing and has competed in many places, such as the USA and Ireland. In five years of training kickboxing she has gained four world championships and many other titles, as well as being a first Dan Black Belt and due to achieve her second this year.
After completing her apprenticeship, Bromley aims to work towards becoming fully CeMAP qualified.
Chloe Organ - Mortgage Administrator
Chloe has joined The Mortgage Brain as an Insurance Administrator Apprentice. She qualified as a Beautician after leaving school but has since decided on a career change.
After her apprenticeship Chloe would like to progress her career with The Mortgage Brain and work towards industry related qualifications.
Gemma Porter - Mortgage Administrator
We welcome Gemma into the Mortgage Administration Department, having already worked in the financial services for several years she will be working towards her CeMAP qualification in the near future.
Before joining The Mortgage Brain, Gemma also trained as a personal trainer and class instructor. She still teaches spin and circuits, as well as training herself with a specific interest in Powerlifting.
Insurance and Protection Support
Katy Edginton - Insurance & Protection Adviser
Cert CII (LP)
Katy brings over 6 Years' experience in Financial Services and Insurance industry, having gained her R05 qualification in 2012.
Katy has a strong background in account management and customer service, something she is very passionate about. She believes the best way to retain customers is to provide the best possible service so they don't want to deal with anyone else.
George White - Insurance & Protection Adviser
George White joins us as an Insurance and Protection Adviser having been in the Customer Service industry for over 9 years. Providing exceptional customer service is something George believes strongly in, which is a great asset to the team.
Having previously been in a management role, George is keen to progress within The Mortgage Brain and take his Industry related qualifications and has expressed an interest in eventually becoming one of our strong team of Mortgage Advisers
Sarah Robson - Insurance & Protection Adviser
Sarah Robson joins us as an Insurance and Protection Adviser.
Sarah graduated in 2016 with a BA Hons in Management with Marketing and is keen to progress within The Mortgage Brain and take Industry related qualifications.
Outside of work, Sarah enjoys the outdoors, nature and is a keen photographer.
Emily Lane - Insurance & Protection Adviser
Emily joins our Insurance Department and has worked in the insurance industry for over 3 years processing policies for protection, as well as a career in customer service with leadership roles.
Being very career driven and Emily has decided to develop her knowledge into mortgage insurance, where she will work towards CEMAP qualification. Providing the best quality service to all our clients is key to her, and she hopes to advance her career within The Mortgage Brain.
Martin Fawcett - Compliance Manager
CeMAP, CeRGI, CeRER, MLIBF
Martin has worked with The Mortgage Brain for the last 13 years, providing resources help and guidance delivered by Douglas Martin Associates Ltd (DMA). Martin who is the Director of DMA, is an enthusiastic and highly motivated Compliance & Training professional, who comes from a background of sales training. With over 33 years' experience, gained in all sectors of the financial services industry he has a good working knowledge of the FCA Regulations and T&C Requirements.
The Mortgage Brain recognise the importance and the challenges that adhering to FCA compliance can bring. Therefore, we work very closely with Martin to ensure we not only meet but exceed our regulatory requirements, to the benefit of all our clients. Martin supports our staff, management and advisers to identify their needs, providing clear guidance and produce the required results.
Outside work, Martins time is split between walking his golden retriever Dylan, ongoing projects around the house and garden which keep him fit and, his real passion of riding motorbikes.
Steve Kettlety - Compliance Manager
Steve has worked with The Mortgage Brain for the last 12 months, providing a valuable service regarding ongoing monitoring of the mortgage applications submitted to lenders by our Mortgage Advisers.
Previous to this he worked for Lloyds Banking Group (following their takeover of Cheltenham & Gloucester Building Society) for over 38 years. With a keen eye for detail and vast experience in the mortgage field, Steve enables us to be able to demonstrate responsible lending.
The Mortgage Brain works closely with its Compliance Department to ensure that robust working practices/controls are in place to fully protect our clients, and that our staff provide an excellent service to clients.
Steve's main interests outside of work are watching live entertainment, ranging from numerous sports, concerts and theatre shows, together with travel.