Ashley Edwards
Financial Services Director - North
☎: 07962 398299
✉: ashley.edwards@justmortgages.co.uk
"With over 24 years in financial services, starting at Barclays and then as a Mortgage Adviser, I've dedicated my career to supporting brokers. At Just Mortgages, I lead a talented team of Business Managers in the North, helping advisors build and grow successful businesses with customized support. I'm passionate about guiding brokers, from business setup to improving sales, and watching them achieve their full potential.
Outside of work, I enjoy time outdoors, traveling, and hanging out with my two French Bulldogs."
Robert Perrin
Financial Services Director - South
☎: 01245 269980
✉: robert.perrin@justmortgages.co.uk
"Having spent several years in financial services, I’ve spent the last 7 years helping advisers successfully transition to self-employment. My role is to offer complete 360-degree support to Mortgage and Protection Advisers, whether they're just starting out or looking to expand their businesses.
At Just Mortgages, we’re proud to provide unmatched support in the self-employed world – as we like to say, "You’re on your own but never alone."
Richard Mills
Financial Services Director - Midlands
☎: 07747 477440
✉: richard.mills@justmortgages.co.uk
"With extensive experience in financial services, including over 10 years as a Mortgage & Protection Adviser, Sales Manager, and Director, I've built a career on guiding others to success. The most rewarding part of my journey has been mentoring brokers to reach their goals.
In my role at Just Mortgages, I provide comprehensive support to brokers who are either starting their self-employed journey or looking to grow. Our team offers industry-leading support and high commission rates, all aimed at making your business thrive."
Zarah Gulfraz
Area Director - North
☎: 07817 202438
✉: zarah.gulfraz@justmortgages.co.uk
"With over 14 years in mortgages, I’ve gained experience across roles in mortgage processing, underwriting, and advising with banks, estate agents, and Fintechs. My passion lies in supporting advisers who are ready to take the next step in their careers while achieving a healthy work-life balance.
In my role at Just Mortgages, I provide personalized support to Mortgage and Protection Advisers moving into self-employment, ensuring they have the tools they need to succeed. Outside of work, I enjoy spending time with my cat Maisie and my nieces and nephews, with a few holidays thrown in!"
Grant MacKay
Sales Manager - North
☎: 07471 226094
✉: grant.mackay@justmortgages.co.uk
"With over 14 years in Financial Services, I’ve gained extensive experience from roles at HSBC, including telephone banking, learning and development, and team management. After becoming a Mortgage & Protection Adviser, I transitioned to roles in compliance, sales quality management, and adviser coaching.
I’m passionate about supporting and recruiting top-tier advisers, helping them achieve their goals with industry-leading training and support. At Just Mortgages, we offer some of the highest commission rates in the industry with no monthly fees, and my role is to ensure advisers have the tools and support they need to succeed. Whether you’re starting out or looking to grow your business, I’m here to help."
Jonathan Phillips
Area Director - North
☎: 07860 404049
✉: jonathan.phillips@justmortgages.co.uk
"With over 15 years in Financial Services, I’ve worked as a self-employed adviser, mortgage adviser, financial adviser, and area manager with HSBC. My experience also includes managing advisers in estate agencies and working as a Key Account Manager for a mortgage lender. Four years ago, I joined Just Mortgages to continue doing what I love.
As Business Manager, I work with advisers to help them grow their businesses, from sales development and social media to compliance and business management. At Just Mortgages, we provide tailored support for everyone, ensuring no one has to navigate their business journey alone. There’s nothing more rewarding than seeing someone succeed, which is why I’m passionate about what I do."
Gaynor Gillibrand
Sales Manager - North
☎: 07971 962323
✉: gaynor.gillibrand@justmortgages.co.uk
"With a career in Financial Services spanning mortgage broking, training, and sales management, I’ve gained the experience needed for my role at Just Mortgages. I’m passionate about helping Mortgage and Protection Advisers realize their full potential and succeed in business.
As a Business Manager, I use my people skills to support brokers throughout the North, offering face-to-face guidance and support tailored to their needs. There’s nothing more fulfilling than watching brokers grow their businesses and take that leap into self-employment. My goal is to help you become the most successful broker you can be."
Emma Brooks
Area Director - North
☎: 07760 293513
✉: emma.brooks@justmortgages.co.uk
"With 18 years in financial services, I started my career in banking, progressing from cashier to bank manager and mortgage & protection adviser. Seeking to expand my knowledge, I transitioned into the broker world and spent many years in estate agencies, eventually becoming an Area Development Manager where I recruited and trained advisers.
I’m passionate about helping brokers reach their full potential, whether they’re new to the industry or experienced professionals looking to grow. At Just Mortgages, I provide comprehensive support to brokers, helping them build successful businesses while delivering the best outcomes for their clients. Watching brokers grow into successful business owners is what truly drives me."
Chris Hayes
Area Director - North
☎: 07880 202295
✉: chris.hayes@justmortgages.co.uk
"I’ve worked in Financial Services for 18 years, starting in telephone banking for The Co-operative bank then moving into mortgages as both an Employed & Self-Employed Broker. I moved into various management roles, lastly being a Financial Services Manager supporting mortgage brokers and helping them increase their business & income.
I really enjoy supporting and helping brokers achieve their goals, I find my years of experience being a successful broker and area manager has given me the tools needed to help others. Outside of work I am very much into sport - Rugby League & Football being the main two. Very family orientated, my partner Amy & Son Harry being my family unit -we love to get away on as many holidays as possible."
Robin Smith
Area Director - South
☎: 07597 038749
✉: robin.smith@justmortgages.co.uk
"With extensive experience in Financial Services since 1995, I’ve held roles as an employed and self-employed Mortgage & Protection Adviser, Financial Consultant, Field Compliance Manager, and Sales Manager. I’ve managed teams of advisers across the UK, and my experience as a self-employed adviser gives me a deep understanding of the challenges in the industry.
At Just Mortgages, I provide end-to-end support to advisers looking to take the leap into self-employment or grow their existing businesses. Whether it's setting up, improving lead generation, or enhancing protection sales, I’m passionate about helping brokers succeed."
Wayne Saker
Area Director - South
☎: 07889 398371
✉: wayne.saker@justmortgages.co.uk
"With 20 years in the mortgage industry, I’ve gained valuable insights into the challenges and rewards of both the corporate and self-employed worlds. Having worked as a consultant and in senior management, I’ve had the privilege of watching colleagues and friends grow their careers, businesses, and lifestyles.
Jon Taylor
Regional Director - South
☎: 07587 038954
✉: jon.taylor@justmortgages.co.uk
"With 37 years of experience in the Financial Services industry, including roles in both the banking sector and estate agency-based services, I’ve had the privilege of being a Mortgage & Protection Adviser, Bank Manager, and Financial Services Regional Manager.
Recognizing that many advisers aspire to become self-employed, I joined Just Mortgages’ Self-Employed Division to help others achieve their business goals and gain the life choices that come with self-employment. I offer full support to mortgage brokers, whether they’re taking their first steps into self-employment or looking to grow their existing businesses."
Ben Peart
Regional Director - South
☎: 07891 853099
✉: ben.peart@justmortgages.co.uk
"I began my career at 19 as a trainee estate agent with Connells, where I quickly developed a passion for financial services. While working as an estate agent, I studied for my CeMap exams and transitioned into mortgage advice. After several years as a mortgage adviser, I became a field trainer, which helped me refine my skills in coaching, feedback, and development. This led me to a sales management role within estate agency mortgage advice before joining Just Mortgages as a Business Manager within the Self-Employed Division.
Since joining Just Mortgages, I’ve never looked back. My role revolves around providing unwavering support to our brokers, helping them achieve their goals. Whether it's improving protection sales, exploring new licenses, or ensuring compliance, we have a dedicated team of experts ready to assist. We pride ourselves on offering some of the highest commission rates in the industry, alongside exceptional support, ensuring that no broker is ever alone."
Kevin Martin
Area Director - South
☎: 07515 061445
✉: kevin.martin@justmortgages.co.uk
"I've worked in Financial Services for over 30 years firstly in Direct Sales, then as a Mortgage and Protection Adviser in an Estate Agency before becoming the Area Mortgage Services Sales Manager. I set up my own Mortgage and Protection Business in 2007 which further honed my skills both in advising and in developing self-employed advisers, which in the end was my passion.
I joined Just Mortgages Self Employed Division in December 2021 so that I could bring extra resources to help me help advisers develop. My role is to provide complete support and backing to Mortgage and Protection Advisers who are already or wishing to start or develop their own Self Employed Mortgage and Protection Business"
Mark Hughes
Area Director - South
☎: 07802 465937✉: mark.hughes@justmortgages.co.uk
"With 25 years in Financial Services, I’ve worked as a Mortgage and Protection Adviser, Sales Manager, and Group Financial Services Director, managing teams across 160+ branches and helping self-employed advisers build successful businesses. Moving to Just Mortgages’ self-employed division felt like a natural progression, allowing me to support advisers in achieving their goals.
In my current role, I offer end-to-end support to both new and experienced Mortgage & Protection advisers, assisting with everything from business setup and lead generation to income growth. I’m dedicated to helping advisers thrive in self-employment. Outside of work, I enjoy spending time with my family, often running through the countryside with my wife, kids, and dog."
Nick Savage
Area Director - South
☎: 07891 166070✉: nick.savage@justmortgages.co.uk
"I started my career in Financial Services at 16 with NatWest, and after transitioning from retail banking to property services, I moved into mortgage consultancy in 2005. Over the years, I’ve gained invaluable experience in a variety of roles, including management, where I’ve helped teams develop and achieve success. Now with Just Mortgages, I focus on supporting advisers in the Self-Employed Division, helping them take the leap into business ownership.
At Just Mortgages, I offer guidance on business plans, lead generation, and skill development, all while fostering an entrepreneurial spirit. I’m committed to helping you grow your business on your terms, with the right support and resources to ensure your success."
Stephen Swyny
Area Director - Midlands
☎: 07957 854517✉: stephen.swyny@justmortgages.co.uk
"After leaving the Ministry of Defence, I joined Prudential as a District Agent over 30 years ago. The transition was tough at first, but once I adapted, I found my passion in Financial Services and have been in the industry ever since. The most rewarding part of my career has been helping advisors develop the skills they need to succeed, just as I did when I was in their shoes.
Now, as a Business Manager at Just Mortgages, I use my experience to support self-employed advisors at all stages of their careers. Whether you're just starting or looking to take your business to the next level, the support at Just Mortgages is unmatched, offering high commission rates, no monthly network fees, and excellent marketing resources to help you grow."
James Hoskins
Area Director - Midlands
☎: 07736 286727✉: james.hoskins@justmortgages.co.uk
"My mortgage career began in 2006 with my first application at a high street bank in Cardiff. Over the next six years, I worked across South Wales and the Southwest of England, achieving nationally recognized mortgage volumes. In 2012, I transitioned into sales management, where I successfully supported and mentored advisors, passing on the knowledge I had gained as a mortgage advisor.
After a year in new build brokering, I returned to sales management in 2019, building and supporting an exceptional team of estate agency-based brokers. I joined Just Mortgages to work in an environment aligned with my values, where self-employed brokers can thrive. My team and I provide comprehensive support to both new self-employed brokers and those looking to grow and develop their businesses."
Andrew Cuthbert
Sales Manager - Midlands
☎: 07587 038748✉: andrew.cuthbert@justmortgages.co.uk
"I began my mortgage career over 30 years ago as a mortgage and protection adviser for a London estate agent. After 12+ years as a successful adviser, I transitioned into leadership roles, including Sales Manager, Director, and eventually MD of Financial Services for a 50-branch estate agency. Throughout my career, I’ve been fortunate to work with hundreds of highly successful professionals and share best practices with my colleagues.
For the past five years, I've focused on supporting self-employed advisers, appreciating the refreshing work-life balance compared to corporate life. Joining Just Mortgages has given me the chance to support advisers in achieving their ambitions, and I’m thrilled to work with so many who are thriving in their roles!"
Nigel Smith
Area Director - Midlands
☎: 07767 111728✉: nigel.smith@justmortgages.co.uk
"My journey in Financial Services began 18 years ago as a Trainee Mortgage & Protection Consultant in a large estate agency. Over time, I honed my skills, earned multiple promotions, and won several awards. In 2010, I transitioned into Sales Management, where I thrived, mentoring my team and watching advisors grow and succeed. After years of success, I advanced to a Director role in 2018, and more recently, I joined Just Mortgages.
I joined Just Mortgages to work in a positive, supportive environment, helping individuals transition to self-employment or expand their existing businesses. The support here is exceptional, covering all aspects of a broker’s journey, along with industry-leading commission rates and a commitment to making each business a success."