Helping Create the future you deserve.

Karl Yeoman

Karl’s a CeMAP (Certificate in Mortgage Advice and Practice) qualified specialist mortgage broker with over 10 years of experience helping hundreds of people. He’s committed to getting the best possible result for his clients, and always goes the extra mile to help. Karl has used his expertise in customer experience to coach the Create Finance mortgage advisers to be the best they can be. Karl takes pride in ensuring that every customer that comes to Create Finance has the same great experience so that they want to come back to us time and time again.

Karl specialises in all forms of complex mortgages like Help-to-Buy, Right-to-Buy, concessionary purchases, debt consolidation, late payments, CCJs, defaults, bankruptcy, IVAs and Debt Management Plans (DMPs).

He’s also helped many self-employed clients like contractors, those in a brand new job, or with only one year’s worth of trading history, first-time buyers and Shared Ownership clients.

Karl also specialises in protection and sees this as a vital part of his job. Once he helps you get your dream home, he wants to make sure that you keep it under any circumstance.

Gindy Mathoon

Gindy has extensive mortgage experience stretching back 13 years. He prides himself on being the 'Mortgage Criteria King' - knowing everything about the mortgage lenders on the market and pretty much everything there is to know when it comes to lenders’ criteria. He lives and breathes mortgages, often seen in front of his laptop long into the night and on most weekends! He has used this experience to help the mortgage advisers at Create Finance have a full understanding of the specialist market so when they speak to their customers, they know which lender will help.

Gindy has great relationships with lenders. This, coupled with his extensive knowledge enables him to secure complex deals to get his clients the right mortgage.

Leanne Fogg

Leanne’s an experienced whole-of-market mortgage broker who’s worked in the financial industry for seven years. She’s a passionate CeMap (Certificate in Mortgage Advice and Practice) qualified adviser, dedicated to helping her clients.

Her expert knowledge of the ever-changing mortgage market has helped to secure deals for her clients over the years. Whether you’re a first-time buyer, looking to move home, remortgaging or a Buy to Let landlord, her experience will enable her to advise you throughout each step of the mortgage ladder.

Leanne’s a specialist in adverse credit and complex income scenarios. She has experience in placing mortgages for people with a low score, defaults, CCJs or debt management plans. Along with placing clients with complex income types such as limited company directors, contractors and newly formed businesses with one year’s accounts.

Alongside mortgages, Leanne can advise on your protection needs such as life insurance, critical illness cover and income protection.

Darren Law

Darren is a highly experienced CeMAP (Certificate in Mortgage Advice and Practice) qualified mortgage broker who loves helping people who’ve been turned down elsewhere. He also specialises in improving finances through remortgaging and debt consolidation.

He’s an expert in bad credit mortgages, including credit issues such as missed payments, CCJs, defaults, debt management programmes, IVAs, and bankruptcy. He has lots of experience with the self-employed, getting mortgages for sole traders, limited company directors, contractors, and those with only one year’s worth of trading history.

Jenna Boal

Jenna is CeMAP (Certificate in Mortgage Advice and Practice) qualified with almost 15 years in the financial industry. She’s been a Mortgage and Protection Adviser for over six years, specialising in bad credit and complex mortgages.

Sheridan Repton

Sheridan’s passionate about helping clients with past credit issues, with most of his clients being turned down by other brokers and lenders before finding him.

Sheridan has plenty of experience getting mortgages for people with low credit scores, defaults, CCJ’s, bankruptcies, IVAs or DMPs. He also specialises in complex incomes such as self-employment, contractors, or those with minimal trading history.

Sheridan works closely with specialist lenders to achieve results that otherwise wouldn’t be possible.

Graham Turner

Graham is a CeMAP (Certificate in Mortgage Advice and Practice) with over 5 years of experience working as a whole-of-market adviser. To date, Graham has helped hundreds of clients across several various, differing circumstances. Grahams worked on pretty much every scenario you could think of, which could be problematic to a mortgage application.

Graham likes to keep things simple, as well as keep his clients up to date on the process throughout the entire application. He also works outside of normal office hours so feel free to get in touch on evenings and weekends.

Graham specialises in bad credit situations, with a proven record of helping people with low credit scores, bankruptcies, CCJs, defaults, IVAs and DMPs.

He’s also experienced in helping those who are self-employed, such as contractors, those in a brand-new job, or with only one year’s worth of trading history, first-time buyers and shared ownership clients.

Phil Masey

Phil is a specialist Mortgage, Protection and Equity Release Adviser. Whether it is adverse credit, self-employed, buy-to-let or retirement planning, Phil has over 10 years experience in the financial services industry helping clients to find the right solution to their needs.

If you are just starting out, consolidating, or want to ensure a bright future in retirement, Phil brings a wealth of knowledge and has an excellent track record of providing great advice to his clients.

George Whitfield

With over five years of qualified experience (Certificate of Mortgage and Practice), George has a wealth of experience. George prides himself on providing a smooth, personalised yet professional service to his clients to ensure that they receive the best possible advice. He has helped hundreds of customers obtain their first homes, as well as making sure that those who already own their home, are keeping their current mortgages up to date and on the best possible interest rates.

From buy-to-let mortgages with complex income situations to adverse credit, George welcomes the challenge of helping clients to obtain their desired property, and provides a first-rate service in the process!

Javier De Diego

Javier a CeMAP (Certificate in Mortgage Advice and Practice) and DipFA (Diploma in Financial Advice) with over 14 years of experience in the financial industry. He’s passionate about helping clients who’ve struggled to get a mortgage and works hard to find the most suitable mortgage for their unique situation.

Javier specialises in getting mortgages for clients who have a history of late payments, defaults, CCJs, IVAs, debt management plans and mortgage arrears, for employed and self-employed alike. Javier can also help you protect your home, family and income by helping you find the right insurance.

Steve Arnold

Steve is a CeMAP, (Certificate in Mortgage Advice and Practice) DipMAP (Diploma in Mortgage Advice and Practice), CeFA (Certificate for Financial advisers) and CeRER (Certificate in Regulatory Equity Release) qualified mortgage broker.

Steve’s been a mortgage and protection broker for over 13 years and specialises in helping people who’ve had credit problems such as CCJs, defaults, late payments, bankruptcy and IVAs. He’s also an expert in self-employed mortgages and helping people with complex incomes.

Along with finding you the right mortgage, Steve can advise and recommend suitable protection to make sure that once you have your dream home, you can keep it.

Clive Peart

Clive has over 7 years experience working within the Mortgage Industry and he has a wealth of experience in helping clients find the right lenders. 

Clive has a vast amount of knowledge when it comes to the adverse credit mortgage market, which means no matter what your circumstances are he is always confident that there will be a lender who can help. 

Clive has a passion for helping people with their mortgage journey. So, whether you are a first time buyer, looking to move home or you are wanting to find a lender to remortgage, you will be in safe hands with Clive. 

Chris Bailey

Chris has over 5 years experience of working within the mortgage industry and he has a wealth of experience in helping clients find the right lenders. 

Chris has a vast amount of knowledge when it comes to the adverse credit mortgage market, which means no matter what your circumstances are he is always confident that there will be a lender who can help. 

So, whether you’re a first-time buyer, using the Forces Help to Buy, looking to move home or you are wanting to find a lender to remortgage, his experience in knowing which lenders to approach means his customers have a great experience from start to finish. 

Dalvinder Johal

Dalvinder is an experienced whole of market broker who specialises in buy to let and residential mortgages. She's a passionate CeMAP qualified adviser with a wealth of experience in serving both clients with large property portfolios and those looking to purchase their first residential or buy to let property. Dalvinder is experienced in dealing with complex buy to let cases including working with limited company buy to lets.  

She prides herself on working around the availability and requirements of her clients, ensuring that the process of purchasing a property is as stress free as possible. Trusted by a number of property investors, Dalvinder seeks to build long term working relationships to serve both your residential and buy-to-let needs.  

Lucy Love

Lucy is a CEMAP (Certificate in Mortgage Advice & Practice) qualified specialist Mortgage Broker with over 15 years experience in the finance industry.  

Lucy has a wealth of experience in helping clients find the right lenders. She has vast knowledge when it comes to the adverse mortgage market. This means no matter what your circumstances Lucy is always confident that there will be a lender who could help.

So, whether you have a low credit score, missed payments, defaults, CCJ's, debt management plan, IVA or have been made bankrupt Lucy is confident she can find her clients the most appropriate deal.  

Haps Sidhu

Haps is a CeMAP (Certificate in Mortgage Advice and Practice) qualified specialist mortgage adviser. He is dedicated to making sure his clients get the best deal possible. Haps is passionate about making the ‘impossible, possible’ for his clients, to help them to achieve their property goals.