Gemma: 07805 991 473
_edited.png)
Helping busy families purchase and protect their homes
Hi, I'm Gemma.
After a career in Private Wealth Management, I’ve seen exactly how high-level financial strategy works. Now, I’m bringing that same professional rigour and high-touch service to the place it matters most: your family home.
​
You manage the complexity of a busy household. I provide the strategy, the mortgage, and the protection plan to ensure it is secure.
​
I know that for you, this isn't just about finding a rate. It's about fitting a significant financial commitment into a busy, complex life.
​
I work with women who are the ones driving this process. You are doing the research and managing the details. My job is to ensure that when you and your partner make the final decision, you have total clarity, total confidence, and a plan that works for the whole family.
​
My Approach: The Family Finance Blueprint
​
​Most brokers just chase the lowest rate. I look at the big picture first, so you actually feel in control of your numbers.​
​
I use my Family Finance Blueprint to get a clear view of your whole world - not just your bank balance. We’ll factor in the "real life" stuff: how your Ltd Company or bonuses actually work, those looming school fees, and making sure you always have cash when you need it.
​
This means that when it’s time to hit 'apply,' we aren't just filling out forms and hoping for the best.; we are executing a plan built for your life.
​​
My Services
01
RESIDENTIAL
MORTGAGES
02
FINANCIAL PROTECTION
03
BUY TO LET MORTGAGES
04
SPECIALIST FINANCE
1. RESIDENTIAL MORTGAGES
Structuring your family’s largest liability.
Whether purchasing a new home (incl. first time buyer), remortgaging, or raising capital, I use the Blueprint to present your income in the strongest light to lenders and with whole of market access, I am able to source and secure the leverage you need at the rate you deserve. *
​
2. FINANCIAL PROTECTION & GENERAL INSURANCE
​Life is busy. Kids, work, homes, businesses - you feel like you're constantly spinning plates.​ But if one of those plates suddenly dropped - through illness, injury, or worse - what happens next?
​
​This is where Protection & Risk Management comes in. Defending the lifestyle you have built. A mortgage is a debt; protection is the guarantee you can pay it.
Together, using the Blueprint, we will design a comprehensive safety net - covering Life Insurance, Critical Illness, Income Protection and Family Income Benefit - so your family’s future is never left to chance and I’ll help you put a plan in place that actually fits your world - your budget, your priorities, your family.** ​
​
For PEACE OF MIND when it comes to Protection and Risk Management, take this short quiz to see where you and your family currently stand.
​
3. BUY-TO-LET MORTGAGES
Making your assets work harder. For clients building wealth through property.
Whether it is your first investment or a growing portfolio, I will help you secure the right finance and guide you through every step.***
4. SPECIALIST FINANCE
Whether you are looking for bespoke funding solutions for renovation projects, or more complex property developments for seasoned investors working on HMOs, conversions or ground-up builds, I’m here to help you secure the Bridging or Short-term finance you need to get your next venture moving. ****​
My Fees and Charges​
​
Following our initial conversation, a one-off Engagement Fee of £195 is payable upfront to secure my services and begin the mortgage application process.
​
My Financial Protection advice is provided on a complimentary basis.
​
Please be aware that I also receive a standard intermediary commission from the selected lender or insurance provider upon the successful completion of your arrangements.
​
​
​​​Get In Touch
Contact me to schedule a brief discovery call. It’s an opportunity to walk through my process and ensure we are perfectly aligned before moving forward.
​​
For your convenience, I am also available for initial enquiries via WhatsApp on 07805 991 473
​
​​
​
IMPORTANT DISCLAIMERS - PLEASE READ
* 1. RESIDENTIAL MORTGAGES
Your home may be repossessed if you do not keep up repayments on your mortgage.
​
** 2. FINANCIAL PROTECTION
Cover is subject to underwriting and terms and conditions. Please refer to the policy documents for full details. As with all insurance policies, conditions and exclusions will apply.
​
*** 3. BUY-TO-LET
Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate most Buy-to- Let mortgages.
​
**** 4. SPECIALIST FINANCE
Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
The Beautiful Mortgage Company LTD (16711763) is an Appointed Representative of Ingard Financial Limited which is authorised and regulated by the Financial Conduct Authority.
​
The Beautiful Mortgage Company LTD is registered in England and Wales. Company number: 16711763. Registered office: 74 Dean Court Road, Rottingdean, East Sussex, BN2 7DJ
​
Ingard Financial Limited. Registered in England and Wales No 05728066. Registered Office: Maple House Park West, Sealand Road, Chester, CH1 4RN. Authorised and regulated by the Financial Conduct Authority under registration number 450731.