Mortgages

Sam graduated from the University of Manchester with a BSc (Hons) in Mathematics with Business and Management and holds both the Diploma in Professional Financial Advice and the Certificate in Advanced Mortgage Advice.

Since joining Capricorn Financial Mortgages in 2010, Sam has built extensive experience advising clients on a wide range of mortgage and property finance matters. As a Senior Adviser and Team Leader, he supports clients throughout the mortgage process while helping to develop and mentor members of the adviser team.

Sam specialises in new build finance and mortgage solutions for UK-based clients and UK expats looking to purchase and finance property within the UK. He is committed to providing clear guidance and tailored advice, helping clients achieve their property goals with confidence.

Jordan is one of the longest-serving members of the Capricorn Financial Mortgages team and has been advising clients since joining the business after graduating with a degree in Mathematics with Business Management.

A fully qualified Mortgage Adviser, Jordan has extensive experience helping clients with residential and buy-to-let mortgages. He is committed to providing clear, tailored advice and helping clients achieve their property goals with confidence.

Alongside his role as an adviser, Jordan supports and mentors members of the team and is committed to continually developing his knowledge and expertise within the financial services sector.

Tony has worked within the residential property industry for a number of years. Before joining Capricorn Financial Mortgages as a Mortgage Adviser, he gained a wealth of experience working within the residential sales market, running a branch of a highly successful London-based estate agency.

As well as obtaining industry qualifications in the mortgage market and residential sales market, Tony also holds a degree in Modern History. His extensive property experience and client-focused approach enable him to provide clear guidance and tailored mortgage solutions to help clients achieve their property goals.

In his spare time, Tony enjoys playing squash and is a keen sports fan, following football, boxing and Formula 1.

Karina is a longstanding member of the Capricorn Financial Mortgages team and places client satisfaction at the very top of her priorities. She is one of our most knowledgeable and trusted advisers and goes to great lengths to deliver an efficient and tailored service for her clients. Karina is known for being extremely diligent, hard-working and organised, and her knowledge of lender criteria and mortgage processes is second to none.

Karina is an expert in residential and buy-to-let mortgage advice. Karina also works within our expat mortgages team and specialises in providing expert support for securing mortgage finance for UK expats. Fluent in Latvian, Russian and English, she is committed to helping clients navigate the mortgage process with confidence and clarity.

After graduating from Buckingham University with a Master’s degree in Business Administration (MBA), Wentao spent 6 years working as a Sales Manager for a well-known internet company where he excelled in managing all aspects of the sales process while ensuring exceptional client service and support.

Over the years, Wentao has developed a strong interest in the London property market. After successfully completing the Certificate in Mortgage Advice and Practice (CeMAP), Wentao joined the Capricorn Financial Mortgages team, where he is able to utilise his knowledge and skills to help clients achieve their property goals.

Wentao is a proactive, highly qualified and self-motivated professional with a proven track record of building and maintaining strong client relationships. He works with clients across a range of mortgage requirements while also supporting the domestic London market.

Outside of Capricorn, Wentao is a passionate Liverpool supporter. He also enjoys travelling, music and reading.

Roberto is a Senior Mortgage Adviser and Team Leader with extensive experience helping clients navigate the mortgage process and achieve their property goals. Since joining Capricorn Financial Mortgages, he has built a strong reputation for delivering a professional, personalised service and developing long-lasting client relationships.
Prior to entering financial services, Roberto spent 12 years working in the residential construction industry across a variety of domestic and international projects. This experience provided him with a strong understanding of the property sector and complements his expertise in mortgage advice.

Roberto is committed to understanding each client’s individual circumstances and providing clear guidance and tailored mortgage solutions from application through to completion.

Outside of work, Roberto enjoys travelling and is always looking forward to his next adventure. He is also a keen golfer and enjoys continually improving his game.

Manny has worked within the residential property industry for a number of years, prior to joining Capricorn Financial Mortgages as a Mortgage Adviser in 2023. Manny gained a wealth of experience working in investment property sales, helping UK and international investors build UK new-build property portfolios, where he was involved in all aspects of the transaction process.

Holding industry qualifications within the mortgage market, Manny is extremely diligent, hardworking and organised, with a strong focus on client service. He is committed to providing clear guidance and tailored mortgage solutions to help clients achieve their property goals.

Outside of work, Manny enjoys travelling to new destinations and watching his beloved Liverpool FC.

Alex obtained his Certificate of Mortgage Advice and Practice (CeMAP) in 2003 and has enjoyed helping hundreds of clients in that time. Alex joined the team at Capricorn Financial Mortgages in May 2014 and is a key adviser within Capricorn’s Large Loan team where he is able to use his industry experience to help clients with their complex lending requirements. Outside of work Alex enjoys spending time with his young family and lives in green surrounds of South East London.

Mason joined Capricorn Financial Mortgages in 2021. Having graduated from a degree apprenticeship in the FMCG sector, he was keen to transfer his skills from the Sales position he held there in to the world of property finance. Mason takes pride in his ability to provide a consistently high level of customer service for his clients. He looks to apply his financial knowledge of the market and a strong understanding of a clients objectives to provide specific, suitable advice.

Outside of work, Mason is a big sports enthusiast, playing football and tennis regularly.

After graduating from Manchester University with a degree in Economics, Ross joined Capricorn Financial Mortgages in 2009 as a Mortgage Adviser. Over more than 15 years with the business, he has established himself as one of Capricorn’s most experienced and successful advisers.

Throughout his career at Capricorn Financial Mortgages since joining in 2009, Ross has been responsible for arranging more than £2.5 billion of mortgage finance, including an impressive £270 million in 2022 alone. He has extensive experience advising on complex property finance transactions and is widely recognised for his expertise within the industry.

In April 2022, Ross was promoted to Head of the Private Clients division at Capricorn Financial Mortgages. The division specialises in arranging complex and high-value mortgage transactions for High Net Worth and Ultra High Net Worth clients, working closely with private banks and family offices where appropriate.

When he is not arranging finance for multi-million-pound property transactions, Ross enjoys exploring new destinations with his wife Adriana and their two young sons.

Having graduated from Exeter University in 2011, Luke pursued a career as an independent financial adviser in his home town of Geneva, Switzerland. With a keen desire to establish himself in the fast moving financial hub that is London, he joined Capricorn Financial Mortgages in February of 2013. Having grown up in Geneva and attended the International School of Geneva, Luke’s linguistic ability helps deal with our foreign client base, particularly the large French population resident in London.

Luke is a keen rugby player and has represented Switzerland internationally and Exeter University on numerous occasions. His drive and competitive spirit has helped him become one of the most prominent advisers in the area in a short space of time.

Krishan is a Senior Mortgage Adviser with extensive experience helping clients achieve their property goals. Having graduated from the University of Leicester with a First Class Honours degree in Management Studies, he went on to build a successful career in estate agency, spending more than eight years managing sales teams for one of London’s leading estate agents.

His background in the London property market provides him with a valuable understanding of the challenges and opportunities faced by homebuyers, movers and buy-to-let property investors. Known for his positive and proactive approach, Krishan takes pride in delivering high service standards, clear guidance and tailored mortgage solutions to his clients.

Outside of work, Krishan enjoys spending time with family and friends and keeping up to date with developments in the property market.

Raj is a highly experienced Mortgage Adviser with a strong background in financial services, banking and customer relationship management. Prior to joining Capricorn Financial Mortgages, he spent eleven years managing retail branches for NatWest Bank, developing extensive experience in helping clients achieve their financial goals.

With more than 16 years of experience in sales and customer service, Raj is passionate about delivering an outstanding client experience. He takes pride in providing clear guidance and tailored mortgage solutions, helping clients navigate the mortgage process with confidence. His extensive knowledge of financial services and property finance enables him to support clients in building and growing their buy-to-let property portfolios.

Known for his problem-solving approach and strong communication skills, Raj is committed to building long-term relationships and delivering positive outcomes for his clients.

Outside of work, Raj is a keen cricket enthusiast and enjoys both watching and playing the sport.

James graduated from the University of Adelaide in 2013 with a Master’s Degree in Commerce. During his time studying he participated in Various internships as a marketing assistant and administration assistant for a Mid-tier accounting firm and a RTO in Adelaide, Australia. In addition to his Academic background James has strong experience in all areas of retail banking, where his strong analytical skills and exceptional customer service, allied to a great work ethic and attention to detail, led to him delivering very high results. James has spent the last two years as a Mortgage Administrator at Capricorn Financial Mortgages and has recently completed his RO1 allowing him to move in to an Advisory role.

Outside of work James joys a wide variety of sports and is an accomplished Jazz Drummer working aboard two Cruise ships as an Orchestral musician.

Albano prides himself on delivering exceptional customer service and ensuring that all of his clients have a smooth and hassle-free home buying experience. Albano is ambitious, transparent, and diligent, with the ability to build and maintain great client relationships He speaks fluent Greek & Albanian.

In his spare time Albano extends his knowledge and develop himself, he likes to travel around the world and make new memories.

After obtaining his Certificate of Mortgage and Practice (CeMAP) Romeo’s interest in finance motivated him to join the prestigious Capricorn Financial Mortgages team. Romeo is ambitious and diligent with the ability to build great client relationships, which aligned with a tight focus on optimal client outcomes helps ensure that every transaction runs as smoothly as possible.

In his spare time, Romeo likes to travel with his young family and explore new destinations and he is also fluent in Greek and Albanian.

Armani graduated from the University of Essex with a BSc in Economics. Shortly after this Armani chose to broaden his financial knowledge by obtaining his CeMAP 1 and joining Capricorn Financial Mortgages. Armani takes pride in being able to deliver excellent customer service and building relationships with clients. As well as having a genuine interest in the financial markets and the economy, he likes to monitor and understand how any changes in policy will affect the market.

In his spare time Armani enjoy’s playing basketball competitively and likes to travel.

Prior to joining Capricorn Financial Mortgages, Lewis worked in the property industry, most recently managing a top-performing office within a highly respected national estate agency. Developing an expert knowledge of the property market enables him to offer expert advice from the start to finish through the home buying process for both Residential and Buy to Let purchases.

When not working, Lewis enjoys exploring the cuisine at new restaurants and then burning off the calories by keeping fit at the local Crossfit gym.

Ross graduated from the University of East Anglia (UEA) in 2012 with a BSc (hons) in Environmental Science. He then joined the Met Office and progressed to be a Senior Operational Meteorologist. Having then decided that his long term future lay in finance, Ross obtained his CeMAP qualification and joined Capricorn Financial Mortgages in early 2022, where he can utilise his knowledge and customer service skills to deliver the best possible outcomes for his clients.

Outside of work, Ross enjoys tennis where he plays for his local club as well as hiking, running and cooking.

Having moved to London to pursue his career in mortgage advice, Dale has immersed himself in the vibrant and dynamic property market. With a genuine passion for finance and a desire to make a positive impact on people’s lives, he is committed to providing tailored mortgage solutions and simplifying the process, making it as straightforward and stress-free as possible for his clients.

Dale is passionate about sports and fitness, particularly cricket, where he captains his club side. This interest complements his broader commitment to maintaining a healthy and active lifestyle and reflects the same dedication and discipline he brings to his professional career.

Sean is a Senior Mortgage Adviser with more than 10 years of experience within the financial services industry. After graduating from the University of Sheffield with a degree in Law, he went on to build a successful career working with major banks and professional services firms, developing extensive experience in banking regulation, risk reporting and operational oversight.

Having achieved his CeMAP qualification, Sean joined Capricorn Financial Mortgages to combine his financial services expertise with his passion for the property sector. As a property investor himself, he understands the challenges and opportunities faced by homebuyers and landlords and is committed to helping clients navigate the mortgage process with confidence.

Sean takes pride in providing clear guidance and tailored mortgage solutions, helping first-time buyers, existing homeowners and buy-to-let property landlords achieve their property goals.
Outside of work, Sean enjoys football, golf, cycling and travelling. He is also a keen Arsenal supporter and season ticket holder.

Tianna joined Capricorn Financial Mortgages as an Administrator in March 2018. She holds a double degree in Accounting and Finance from Monash University in Melbourne, Australia.

Having grown up in China, Tianna is a native Mandarin speaker and brings valuable experience supporting clients throughout the mortgage process. Her strong attention to detail, combined with her financial and administrative background, enables her to provide clear guidance and a high level of service to her clients.

Outside of work, Tianna enjoys practising yoga and maintaining a healthy and active lifestyle.

Jacob started his financial services career with a prominent IFA business in St Albans, gaining invaluable knowledge and experience over a wide range of financial aspects. This broad exposure proved invaluable, and later allowed him to hone in on the world of mortgages, where his communication skills, trust and understanding, aligned with a focus on finding effective solutions really comes to the fore.

Beyond finance, Jacob is a passionate drummer with over two decades of experience and a football enthusiast. He also enjoys travelling the world, which allows him to indulge in his passion for diverse cuisine.

Joe has come to pride himself on providing clients with an exceptional customer service experience that has been honed during various sales and customer service roles. With an insatiable desire to meet new people and learn about the various cultures and circumstances in the financial services industry, he feels he is well equipped to respond to the various needs of clients on their homeownership journeys. Combining the above with a brief stint as a director of a family run construction business, he provides an overall wealth of people skills, passion, and curiosity to learn.

In his spare time he has a keen interest in sports, in particular football and boxing, but also enjoys travelling whilst learning about history, culture, and cuisine.

After graduating from the University of Leicester with degree in Management Studies with Accounting and Finance, and wishing to pursue in financial advice, Britanny decided to obtain her Certificate in Mortgage Advice and Practice. Britanny is a motivated, dedicated and ambitious individual who takes great pride in delivering a professional service, and possesses the ability to both build and maintain great client relationships. In her spare time Britanny enjoys spending time with friends and family and exploring new activities.

With 9 years’ experience in the construction industry both for international and domestic projects, Pedro developed an interest in property investment and property finance which led to him obtaining the necessary qualifications to become a mortgage advisor. His aim and motivation are to always be there for his clients and help them through the process of achieving their goals. Having a great track record of achievements in his previous roles, Pedro brings the benefits of his hard-working mentality and his genuine intent to help people to the mortgage advice industry and to Capricorn Financial Mortgages. In his spare time Pedro enjoys road and offroad cycling striving for longer and longer distances, as well as the occasional visit to the movie theatres.

Henry grew up in Derbyshire, graduating from Nottingham with a degree in Business and HR before moving to London to focus on a successful estate agent career, working for one of London’s top estate agents.

Gaining a wealth of experience in residential sales, Henry’s appreciation for the importance of finance led him to specialise in mortgages and establish a career that concentrated on using his previous experience to guide his clients through the purchase process while augmenting their financial opportunities.

Outside of work Henry enjoys playing rugby, skiing, and travelling around Europe.

After receiving an MA in Marketing and MBA, Linhua embarked on a career in the property industry, working for some of the UK’s leading estate agencies and top new-build developers. A native Mandarin Chinese speaker from Taiwan, she has specialised in Asia Pacific and International markets. Having discovered the final hurdle for property buying is financing, she has retrained and transferred her considerable property market experience to her long term business connection – Capricorn Financial Mortgages – in order to support clients looking for their dream home.

Outside work she enjoys eating cakes and swimming (but not at the same time).

With a Master’s degree in Banking and Finance and more than seven years of experience within the financial services industry, Chelsea has developed a strong passion for helping clients secure suitable mortgage solutions and achieve their property goals. She provides tailored advice and support designed around each client’s individual circumstances.

Fluent in both Mandarin and English, Chelsea works closely with a diverse range of clients, helping to bridge language barriers and ensure a smooth mortgage journey. Whether assisting first-time homebuyers or experienced buy-to-let property investors, she is committed to providing clear, reliable and professional guidance throughout the mortgage process.

Outside of work, Chelsea enjoys travelling and watching films in her spare time.

Originally from Shropshire, Jamie began his financial career at an independent firm, gaining experience in wealth management and financial planning. These early years provided him with a strong foundation to offer tailored advice to clients. Relocating to London, Jamie built on this expertise, working with a diverse client base and honing his skills in the mortgage industry. Jamie is committed to helping clients achieve their financial goals, delivering a smooth and successful experience.

A lifelong sports enthusiast, Jamie played football at a high level, representing England Independent Schools, and supports Aston Villa. In his free time, he enjoys golf and cricket.

Alex began his career in estate agency, where he developed strong sales expertise and a natural ability to build rapport with clients. Keen to deepen his knowledge of the financial market, he transitioned into the mortgage industry, gaining valuable experience at an independent brokerage.

At Capricorn Financial Mortgages, Alex is committed to delivering best-in-class advice and service, combining his property background with a growing track record in residential lending. He works closely with a diverse range of clients, always focused on securing the most suitable and competitive solutions. Driven, personable, and client-focused, Alex is proud to be part of one of the industry’s leading firms.

Outside work, Alex is a lifelong Manchester United fan, and enjoys the gym, playing chess, and keeping active.

Nioosha is a First-Class Finance graduate with five years of experience in luxury sales at Watches of Switzerland and financial trading. Fluent in Persian (Farsi), English, and Kurdish, she brings a global perspective and exceptional client service skills to her role.

Beyond her professional expertise, Nioosha enjoys solving complex jigsaw puzzles, staying active through weightlifting, and expressing her creativity on the piano. A keen traveller and food enthusiast, she loves discovering new destinations and exploring diverse cuisines.

Born and raised in the Norwegian mountains, Kishan developed a strong sense of focus and determination from an early age. After moving to London, he graduated from Middlesex University with First Class Honours in Accountancy, earning recognition as Student of the Year. With nearly a decade of senior accountancy experience, Kishan made the transition into financial advice, completing all three CeMAP qualifications in just three and a half weeks. Highly analytical and organised, he combines strong numerical skills with a meticulous approach to guiding clients towards their goals.

Outside of work, Kishan enjoys travelling and spending time with family and friends. He is driven by the satisfaction of delivering great outcomes — and good news — to his clients.

Priti is a dedicated and results-oriented Mortgage Adviser with a proven track record in client relationship management, financial problem-solving and bespoke advisory services. Drawing on extensive experience across consultancy and employment services, she has developed a reputation for her calm professionalism, meticulous attention to detail and genuine commitment to client success.

At Capricorn Financial Mortgages, Priti takes pride in guiding her clients through the mortgage process, ensuring every step is clear, confident and carefully tailored to their needs. With a passion for helping people achieve their property goals, she strives to make the process as seamless and stress-free as possible.

Outside of work, Priti enjoys spending time with family and friends and continually developing her professional knowledge and skills.

Alex joined Capricorn Financial Mortgages in 2025 as a Mortgage Adviser after completing a degree in Mathematics. With a strong analytical background and a passion for helping clients achieve their property goals, Alex brings a logical and client-focused approach to the mortgage process.

Before joining Capricorn Financial Mortgages, he gained experience through tutoring and financial study, developing excellent communication and problem-solving skills that now help him provide clear guidance and support to his clients. Alex is committed to delivering a professional and personalised service, helping clients navigate the mortgage process with confidence.

Outside of work, Alex enjoys playing squash and has a keen interest in music, regularly playing both the guitar and piano.

Originally from North Wales, Daniel spent much of his upbringing in West Cornwall before moving to Bath, where he completed a degree in Geography. He entered the mortgage industry in 2018 and has since built a strong track record across all areas of the market, from first-time buyers to complex cases, always with a focus on clarity and client care.

Daniel brings a calm and methodical approach to his advice, helping clients navigate their options with confidence. His broad experience and commitment to service make him a trusted partner for homebuyers and investors alike.

Outside of work, Daniel maintains a keen interest in health and fitness. He enjoys hiking, swimming, playing tennis, and regular sessions at the gym.

Having started her career in financial services many years ago, Rina takes pride in guiding clients through every stage of their homebuying journey. She is committed to delivering a professional, transparent and personalised service, taking the time to understand each client’s individual circumstances and helping them make informed decisions with confidence.

Rina enjoys building strong relationships with her clients and is dedicated to ensuring they receive the support and guidance they need throughout the mortgage process.

Away from work, Rina values spending quality time with family and friends and enjoys travelling whenever the opportunity arises.

Virginia specialises in residential and buy-to-let mortgages, helping first-time buyers, home movers, remortgage clients and property investors achieve their property goals.

Fluent in English, Cantonese and Mandarin, Virginia enjoys working with both local and international clients, providing clear guidance and tailored mortgage solutions to suit their individual circumstances.

She takes pride in building lasting relationships and is committed to delivering a professional and personable service, helping to make the mortgage process as straightforward and stress-free as possible from application through to completion.

Outside of work, Virginia enjoys baking and listening to classical music, and particularly enjoys attending live concerts.

Toby has built his career in financial services across banking and insurance underwriting, where he developed a strong understanding of how lenders assess applications and make lending decisions. Drawing on this experience, he helps clients navigate the mortgage process with confidence, identifying suitable solutions and providing clear guidance from application through to completion.

Toby is committed to delivering a professional and personable service, taking the time to understand each client’s individual circumstances and helping them achieve their property goals.

In his free time, Toby enjoys getting outdoors, particularly hiking and camping, and making the most of opportunities to explore new places.

Having originally studied Law, Jules began his career working in criminal defence before moving into conveyancing. His experience within the legal and property sectors provides him with a strong understanding of the homebuying process and helps him guide clients through their mortgage journey with confidence and clarity.

Jules is committed to delivering a professional and personable service, taking the time to understand each client’s circumstances and helping them achieve their property goals.

Outside of work, football is a big part of Jules’ life. He enjoys following the game and also plays for a semi-professional team in London. When he’s not on the pitch, Jules can usually be found out walking his cockapoo, Timo.

After graduating from the University of Nottingham in 2021, Marcus began his career in the hospitality industry before moving into real estate. Through these roles he developed strong customer-facing, organisational and administrative skills, alongside gaining valuable insight into the property market.

Having been born and raised in London, Marcus joined Capricorn Financial Mortgages in 2026 and is excited to apply his existing experience and skillset to a new venture in the area he knows best.

In his spare time, Marcus trains in both badminton and Olympic weightlifting. When he is not training, he enjoys relaxing with a bubble tea.

James has built a strong foundation within the financial services sector, developing both his expertise and his passion for helping clients achieve their property goals. As a Mortgage Adviser, he enjoys guiding clients through every stage of the mortgage process, ensuring they feel informed, supported and confident in their decisions.

Committed to delivering exceptional customer service, James takes pride in understanding each client’s individual circumstances and working diligently to secure suitable mortgage solutions. His approachable nature and client-focused mindset enable him to build strong relationships and provide a professional and personalised service throughout the mortgage journey.

Outside of work, James enjoys improving his golf game and keeping active in the gym.

After graduating from University of surrey with BSc (Hons) in Business Management and MSc in Business Economics and Finance, Karwan pursued a career in the financial industry with one of the major banks in the UK before joining Capricorn Financial Mortgages in May of 2017. He successfully performed a number of roles within wealth management and retail banking and has a significant personal financial advising experience. Karwan is currently studying with Chartered Insurance Institute and aiming to become a Chartered Financial Planner.

Outside of work Karwan is a keen explorer and an active sportsman. Besides the gym he is practising various martial arts styles and achieved Nidan/2nd Dan black belt in Goju Karate Kaiku.

Harvey joined Capricorn Financial Mortgages in 2026, bringing valuable experience from the insurance sector. Keen to broaden his expertise within financial services, he transitioned into mortgage advice, combining his passion for helping clients with a commitment to delivering outstanding service.

Harvey takes pride in understanding each client’s individual circumstances and providing clear guidance throughout the mortgage process. His approachable and professional style, combined with a genuine commitment to client care, helps ensure every customer feels informed and supported from application through to completion.

Outside of work, Harvey enjoys travelling, staying active and spending quality time with his family.

Jack is a Mortgage Adviser at Capricorn Financial Mortgages, bringing more than 11 years of experience within the London property market. Having worked for some of London’s leading estate agencies, Jack specialised in supporting ultra-high-net-worth (UHNW) individuals and corporate clients, developing a strong understanding of complex property transactions and the importance of delivering a highly personalised service.

Drawing on his extensive property background, Jack provides clear guidance and tailored mortgage solutions to suit each client’s individual circumstances. His in-depth knowledge of the London property market enables him to support clients confidently through every stage of the mortgage process, whether they are purchasing their first home, moving home or building a buy-to-let property portfolio.

Jack is passionate about building long-term relationships based on trust, transparency and exceptional service. Outside of work, he enjoys rugby, has a keen interest in finance and property, and likes keeping up to date with developments across both sectors.

With more than nine years of experience in the mortgage industry, Shahida is passionate about helping clients achieve their property goals and making the home buying process as straightforward and stress-free as possible. She takes pride in building strong relationships, understanding each client’s individual circumstances and ensuring they feel supported and confident throughout the mortgage journey.

Alongside her career in financial services, Shahida has also worked as a leadership coach, empowering women to build confidence, resilience and reach their full potential. This experience has shaped her relationship-led approach, built on trust, empathy and genuine care.

Outside of work, Shahida is the Founder of Butterfly Charity, which supports women who have experienced abuse in Bangladesh by helping them establish small businesses and achieve financial independence. She also enjoys hiking, travelling, discovering new places and spending time with family and friends.

Philip joined Capricorn Financial Mortgages in 2026, bringing valuable experience from the property industry following his time as an Estate Agent. He holds a BSc in Business Economics and an MSc in Entrepreneurship and Innovation, combining commercial understanding with practical property experience to support clients throughout the mortgage process.

Philip is committed to providing clear guidance and tailored mortgage solutions, taking the time to understand each client’s individual circumstances and helping them make informed decisions with confidence.

Outside of work, Philip enjoys following football, Formula 1 and basketball. He also has a long-standing interest in physics and astronomy and enjoys continually learning and exploring new ideas.

Nathan graduated from the University of Bath with a BSc (Hons) in Biomedical Sciences before beginning his career in mortgage advice. He gained valuable experience specialising in residential remortgages, debt consolidation and clients with more complex credit circumstances, developing extensive knowledge of lender criteria and underwriting requirements.

Nathan provides clear, tailored mortgage advice to first-time buyers, home movers and buy-to-let property investors. His client-focused approach and strong technical knowledge enable him to help clients navigate the mortgage process with confidence.

Outside of work, Nathan enjoys travelling and keeping active through a range of sports.

Denisa is committed to providing clear, tailored mortgage advice and delivering an exceptional client experience. She takes pride in building lasting relationships and helping clients make informed decisions throughout the mortgage process.

She holds a Master’s degree in Accounting, Accountability and Financial Management from King’s College London, having previously graduated with a First Class degree in Business Management from Queen Mary University of London. Before joining Capricorn Financial Mortgages, Denisa built her career in the automotive industry, advising customers on vehicle purchases and finance solutions, strengthening her ability to understand individual circumstances and provide clear, confident guidance.

Outside of work, Denisa enjoys travelling, keeping active through fitness and making the most of new experiences.

Aran studied Mathematics and Actuarial Science at university, developing a strong analytical mindset and a keen interest in financial markets, risk and problem-solving. He then spent two years working in estate agency across East London and Canary Wharf, building valuable experience in the property market, client relationships and negotiating successful outcomes.

At Capricorn Financial Mortgages, Aran is committed to delivering an exceptional client experience. He takes the time to understand each client’s individual circumstances, providing clear guidance and tailored mortgage solutions to help them achieve their property goals. His approachable nature, attention to detail and passion for property enable him to build lasting client relationships.

Outside of work, Aran enjoys a wide variety of sports, keeping active and following Liverpool Football Club.