Gemma: 07805 991 473
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Expert mortgage advice for women who lead their family’s financial future.
Hi, I'm Gemma.
Having spent my career in Private Wealth Management working with HNW clients and managing family wealth, I now bring that same premium level of expertise, rigour and high-touch service to your family home.
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You manage the complexity of a busy household. I provide the strategy, the mortgage, and the protection plan to ensure it is secure.
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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.
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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.
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My Unique Approach: The Family Finance Blueprint
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​Most brokers rush straight to the rate. I start with the architecture of your finances to bring calm, clarity and control to the numbers for you.
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Using my proprietary Family Finance Blueprint to build a full strategic view of your household—factoring in complex income, bonuses, school fees, and future liquidity needs.
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This ensures that when we move to the transaction, we aren't just filling forms; we are executing a plan.
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My Services
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RESIDENTIAL
MORTGAGES
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FINANCIAL PROTECTION
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BUY TO LET MORTGAGES
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SPECIALIST FINANCE
1. RESIDENTIAL MORTGAGES
Structuring your family’s largest liability.
Whether moving home, 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. *
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2. FINANCIAL PROTECTION
​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?
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​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, Critical Illness, and Income Protection - 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.** ​
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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.
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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 ensure your leverage is optimised to support your long-term returns.***
4. SPECIALIST FINANCE
Whether you are looking for bespoke funding solutions for renovation projects, or more complex property developments for seasoned investor 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​
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Please note that an upfront one-off Advice Fee of £325 is payable for all Mortgage applications, once my services have been engaged following our initial call.
There is no charge for my Financial Protection services.
I will also be paid a commission by the Lender or Insurance Provider once an agreement is in force.
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Get In Touch
Please contact me to arrange a FREE Compatibility Call, where I can explain my services and process in more detail and you get to check I'm a good fit for you.
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Alternatively, drop me text or Whatsapp on 07805 991 473
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IMPORTANT DISCLAIMER
* 1. RESIDENTIAL MORTGAGES
Your home may be repossessed if you do not keep up repayments on your mortgage.
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** 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.
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*** 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.
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**** 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.
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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
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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.