ABOUT JOE

Hi, I’m Joe.

I'm a CeMAP-qualified mortgage and protection adviser based in North Devon, helping clients across the UK.

I began my career in financial services in 2015, and I've learned that finding the right mortgage isn't simply about comparing interest rates. It's about understanding the person behind the application, including their circumstances, priorities and plans.

Whether you're buying your first home, moving, remortgaging or investing in property, I'll take the time to understand what you're looking to achieve, explain your options and guide you through the process.

I have a particular focus on self-employed mortgages, working with sole traders, company directors and contractors whose income doesn't always fit a standard lending assessment. I also help clients with more complex circumstances, including adverse credit, as well as landlords and property investors.

My approach starts with understanding the whole picture. How you earn, your financial commitments, your plans and the details that could influence your mortgage options. I'll use that understanding to research lenders and products that may be suitable for you.

And because a mortgage is only one part of your financial picture, I'll also help you consider protection for your income and the people who depend on you.

You'll deal directly with me throughout, with clear explanations, regular updates and someone you can speak to when questions arise.