My ideal clients are those facing mortgage renewal and facing higher interest rates, clients wanting to start their journey into home ownership, clients looking for second homes or retirement/ investment property and anyone needing a more personalized and flexible service. I specialize in not just  finding solutions and securing competitive rates but answering your questions. I am not a single product like a standard bank,  I do all the heavy lifting, guide you with real answers and  find the RIGHT product that aligns with you..............always! You are never treated as a transaction and I pride myself on lasting financial relationships now and beyond!