Proud to be helping people with Mortgage, Protection and Insurance Advice across the UK
Joanne is passionate about helping people secure their dream home and protect what matters most. Now based in Wales, she works with clients right across the UK, providing clear, supportive advice wherever you are.
With over 17 years’ experience at a major high street bank, Joanne brings extensive mortgage and management expertise to every case. She understands how lenders think and uses that knowledge to guide clients confidently through the process.
Fully qualified and experienced across a wide range of scenarios, Joanne helps with:
Fully qualified and experienced across a wide range of scenarios, Joanne works with first-time buyers, home movers and remortgage clients, as well as those with more complex situations such as adverse credit, buy-to-let investments or self-employed income, tailoring her advice around your individual circumstances.
Although she now calls Wales home, Joanne has longstanding connections throughout the UK and supports clients nationwide.
If you or someone you know needs help with a mortgage or protection review, Joanne would be delighted to help.
Proud to help clients with the following services
Joanne regularly supports clients with the following mortgage needs, providing clear, practical advice at every stage.
Helping first-time buyers understand the process, secure an Agreement in Principle, and buy with confidence — with clear guidance from start to finish.
Supporting clients who are moving home, coordinating mortgage timing with property sales, deposits, and onward purchases.
Helping homeowners review their existing mortgage, secure better rates, or raise funds where appropriate — whether your deal is ending or your circumstances have changed.
Advising landlords and property investors on Buy to Let mortgages, including standard Buy to Let, remortgages, and portfolio landlords.
Specialist support for self-employed clients, company directors, contractors, and those with variable or non-standard income.
Joanne regularly supports clients with protection advice designed around real-life risks and responsibilities.
Helping ensure your mortgage can continue to be paid if you die, become seriously ill, or are unable to work, this protects your home and giving peace of mind to you and your family.
Providing financial support for your loved ones if you die, with advice on single, joint, and family protection structured around your mortgage, dependants, and long-term plans.
Offering a financial safety net if you’re diagnosed with a serious illness, helping cover living costs, mortgage payments, and recovery time when income may be affected.
Helping you maintain your income if illness or injury prevents you from working, with advice tailored to your employment type, sick pay, and affordability.
Supporting business owners and self-employed clients with protection structured around company responsibilities and key individuals, working alongside specialist advisers where appropriate.
Joanne helps clients put the right general insurance in place to protect their home, belongings, and monthly commitments.
Arranging buildings insurance that meets lender requirements and protects the structure of your home against risks such as fire, flood, and storm damage — in place from exchange of contracts where required.
Helping insure your personal belongings, furniture, and valuables against loss or damage, with cover tailored to your lifestyle and what matters most to you.
Short-term protection designed to help cover your monthly mortgage or household costs if you’re unable to work due to accident, illness, or redundancy — particularly useful where sick pay is limited.
Advising landlords on insurance for rental properties, including buildings, contents (where applicable), loss of rent, and liability cover — helping protect both the property and the rental income.
Looking to secure the right mortgage, family protection or insurance for your home? We’re here to help! Our simple and straightforward process makes it easy to get a personalized quote tailored to your needs. Let us guide you every step of the way toward financial security.
Some kind words from Joannes’s clients!
Joanne was absolutely amazing. As a first time buyer as was a little nervous about mortgages and the process of buying a property but working with Joanne was great. She explained everything to me, helped me every step of the way. Was always on hand and replied so quickly to my texts day or night. Highly recommend.
Poppy Ogilvie – Feb 2026
Joanne helped us to purchase our first house and I’m so pleased she did. Right from the very first conversation, Joanne made us feel at ease and explained everything in a way that we could both understand. The whole process was made so much easier and less stressful thanks to Joanne’s expertise. Thanks to Joanne, we now have a beautiful home to enjoy. Thank you so much Joanne.
Vicki Higginbottom – Sep 2025
Me and my partner have recently got the keys to our first home and Joanne is the person that helped us get there. We couldn’t have asked any more from her. She was so helpful to any questions we had, was super quick at responding to those questions and explained everything in a way that we could understand exactly what was happening and why it was happening. So friendly and approachable and she really went above and beyond to help us and I can’t recommend her enough. Thank you so much Joanne.
Daisy Caruso-Lee – Oct 2025
Joanne helped my house move run extremely smoothly. I was worried about not being able to get a mortgage in my sole name – I needn’t have worried. The whole process was effortless, from start to finish, thanks to Joanne. I can’t rate her highly enough. Professional, efficient and very approachable; thank you again Joanne for making getting a mortgage stress free.
Vic Marchant – Jan 2025
A Guide to Joint Borrower Sole Proprietor (JBSP) Mortgages Buying a home can feel out
First Time Buyers AIP Explained As a first time buyer you may have come across
