The Mortgage Hut Team - specialist advice from the experts

Chris founded The Mortgage Hut in 2011 following a career in Stockbroking and latterly as a bank manager for Natwest/Royal Bank of Scotland

His colleagues would describe him as customer centric, Chris grew The Mortgage Hut to become an award winning brokerage focused on giving his clients the best experience possible.

Chris' main responsibilities in the business is overseeing our marketing, business development and technology functions.

Nicola worked in banking after she left school but her sense of adventure steered her into a role for British Airways as cabin crew. 

Her colleagues quickly realised that Nicola’s niche knowledge could help them get a mortgage with their unpredictable incomes. After 5 years of flying and studying for her CeMap at 37,000ft, Nicola joined The Mortgage Hut team and took over as MD when Founder Chris was head-hunted for a role in Dubai.

Party in the USA by Miley Cyrus is an absolute must on a playlist for Nicola, who can be found at her desk helping those who might otherwise be unable to find a mortgage.

Difficult challenges do little to waiver Giacomo’s vision for success. As Operations Director, he co-ordinates the internal structure of The Mortgage Hut helping the company to continually push forward and adapt to meet the ever changing demands of the modern mortgage industry.

Working across the globe in varied roles has developed his expansive knowledge which has helped so many who previously believed they couldn’t buy a home. His advice for borrowers is simple; learn how to improve your credit rating.

Gill goes above and beyond and consistently multi-tasks to ensure the smooth running of our Managing Director Nicola’s week. Her ability to foresee future problems and plan accordingly makes Gill an irreplaceable member of the team and many describe her as caring, kind hearted and warm.

Gill has 13 years of experience in estate agency and consequently she has a fantastic catalogue of knowledge which she has brought to the business.

Amy is an accomplished Mortgage and Protection Advisor at The Mortgage Hut, where she guides clients through expert advice and personalised solutions to secure their financial well-being. She considers obtaining her protection licence and achieving a passing grade on her initial check as one of her best achievements in her role to date.

Her dedication to her current position is influenced by prior roles as a Mortgage Administrator and a Mortgage Advisor in different organisations. 

Beyond her professional achievements, Amy enjoys a balanced life outside work through reading, gaming, and spending quality time with family and friends. She has earned several professional training certifications, including a CeMAP qualification.

Bob has impressive experience within many aspects of the mortgage industry, allowing him to provide expert consultancy that can be depended on by all who seek his advice.

Bob specialises in both the residential and buy-to-let market sectors here at The Mortgage Hut and was one of the first advisors to join our team way back in 2011 when we started.

Elliot puts his family at the heart of everything he does which is why he makes for such a personable consultant. His daughter’s smile always makes his day better but crisps will always go down well too! 

Elliot used to work as a financial advisor but his experience and love for helping people get a home led him into mortgage consultancy. If you’re looking for a mortgage, his advice is simple; Check your credit, organise your documents and give him a call.

David To is a dedicated Mortgage and Protection Advisor at The Mortgage Hut, a role he previously assumed at Countrywide. In his current role, his responsibility centres around providing customers with the best possible mortgage and protection advice tailored to their specific needs. 

He is proud of helping clients realise their dreams of becoming homeowners, particularly those who have previously been turned away by other advisors.

David holds CII CF1 and CF6 certifications, as well as the CII Level 3 qualification in Mortgage Advice. He's a devoted Arsenal fan and enjoys following the team's journey.

Jack is a Mortgage and Protection Adviser at The Mortgage Hut, with CeMAP and CeRER certifications. His primary responsibility is to provide comprehensive mortgage and protection advice to all of his clients. 


Jack's previous role as a Mortgage Adviser for a specialist firm has uniquely positioned him to excel in providing clients with the extra level of help and support they may require, especially for specialised solutions.

He finds fulfilment in helping his clients achieve their goals, whether securing their dream home or protecting their financial future. Beyond his professional endeavours, Jack enjoys playing football and playing video games.

Kieren had ambitions of becoming a lawyer but decided to use his communication skills to negotiate mortgage deals, helping people buy their forever homes.

He uses his creativity to make a positive impact on his client’s lives because he knows all too well from his experience within banking, just how important it is to secure the right type of mortgage with affordable payments. 

First-time buyers and those looking to move to their next home feel reassured by Kieren’s calming presence and his ability to plan. His advice? Start your search as early as possible with a broker so you know what you’re working towards.

A sandy beach in the sun motivates Natasha but it’s her daughter’s smile that really drives her determination. 

Her career has taken her into a range of roles within fraud investigation, financial advice and mortgage consultancy. This wealth of knowledge combined with her caring nature and ability to find solutions, is precisely why she makes such a stellar advisor.

Natasha loves the buzz that comes with helping people, especially those who are convinced they can’t buy a home. 

Kiran Singh is a highly experienced Mortgage & Protection Adviser with over 15 years in the financial services industry. As a CIFA-qualified professional and recipient of a prestigious British Mortgage Award in 2015, Kiran brings expertise, dedication, and a client-focused approach to every interaction.

In her current role, Kiran provides tailored advice and recommendations on mortgage and protection products, guiding clients seamlessly through the house-buying process. Over the years, she has have developed a specialisation in complex buy-to-let mortgage applications, supporting clients ranging from large portfolio landlords to those dealing with HMOs, multi-unit blocks, corporate tenancies, and more.

Prior to joining The Mortgage Hut, Kiran spent a decade with John Charcol, a market-leading brokerage, where she honed her skills in general insurance, protection, and mortgages. Spending her time there, combined with extensive industry knowledge, has shaped her ability to deliver innovative solutions for even the most challenging cases.

Kiran considers their greatest achievement within The Mortgage Hut to be the collective expertise and teamwork that set the company apart.

Outside of work, Kiran enjoys spending quality time with her husband and two amazing boys. A passionate baker, they find joy in creating delicious treats for family and friends.

An early morning run in the North Dorset countryside sets family man Oliver up for the day.

Oliver is organised, goal-orientated, and is a meticulous planner. This skill set makes for a dependable advisor but what makes him such an asset to The Mortgage Hut, is his experience within financial protection.

His time as a Mortgage and Protection adviser has affirmed his enthusiasm for finding people the right level of protection, whether that be for their mortgage, income, or life.

Daniel’s determination to skydive stems from his love of the skies and his daredevil nature, that has so far swayed him to ride rollercoasters, abseil cliff edges and plan ice-capped cabin adventures in the Canadian Rockies. His young family keeps Daniel on his toes and he combines this experience with his knowledge of the mortgage industry, to protect the pockets of those who seek his advice. Determined to be mortgage-free himself one day, he works hard to find practical solutions for people who need an affordable mortgage.

Andy is a dedicated Mortgage Administrator at The Mortgage Hut. His nearly four-decade career in the financial services industry, including positions at Barclays Bank and Lloyds, has provided him with invaluable experience for his current role. 


His responsibilities cover a wide range of administrative tasks, requiring coordination and communication with various stakeholders, advisers, clients, lenders, and solicitors. He is also involved in running and completing management reports. He takes pride in resolving complex issues and providing exceptional service, which often earn him positive feedback from clients. 

Beyond his professional endeavours, he enjoys a diverse range of interests, including geocaching, ornithology, and going to Bruce Springsteen's concerts.
He earned an A Level standard and a CeMap 1 qualification.

David began life in the industry as an estate agent and progressed through an array of specialist roles including Stockbroker, Financial Advisor, Mortgage Advisor and now, Post Offer Administrator.

Seeing happy homeowners gives David a real sense of joy and in his spare time, he and his wife train guide dogs for the blind. 

Ever the explorer, David dreams of adventure and looks forward to travelling to the next country or tropical island he stumbles across. 

Nichola is a Mortgage and Protection Administrator at The Mortgage Hut, providing support for mortgage applications from inception through to offer.


She derives great satisfaction and pride from successfully securing mortgage offers for her clients, experiencing a profound sense of fulfilment each time she delivers the good news and witnesses their expressions of joy and relief.

Nichola finds fulfilment in running and participating in marathons, including the prestigious London Marathon in 2021. 

Shona is proud of the sense of teamwork and support she provides to advisors and clients at The Mortgage Hut. 


Her previous administrative roles in Scottish Amicable and Lloyd Vine Insurance Brokers prepared her for her current role at TMH where she is responsible for liaising with solicitors to obtain critical information concerning clients' mortgage offers. 

Outside of work, Shona enjoys a variety of activities, including tennis, golf, leisurely walks, and quality time with her family.

Shona holds five O levels and one higher level qualification, as well as a Certificate in Pensions and Life Assurance.

With years of experience in the financial services industry, Daisy specialises in helping clients navigate complex mortgage and protection cases, including those with adverse credit histories, non-traditional income sources, and visa-related challenges. Her expertise allow her to find tailored solutions that enable individuals and families to secure the home they may have thought was out of reach due to their circumstances.

She is passionate about providing personal and compassionate guidance to their clients, empowering them to achieve homeownership and financial security despite challenges. Her approach is built on understanding each client's unique situation and offering expert advice that puts their needs first.

Outside of work, Daisy enjoys staying active with running, walking their dog, and visiting family in France to recharge and stay connected with their roots.

Natasha is an experienced Mortgage Administrator, having worked in the sector for over 12 years. She is passionate about helping people navigate their financial journey and is dedicated to making a difference in both her professional and personal life. When she is not working you will find Natasha spending quality time with her son and enjoying family life.