Category: Mortgage Brokers

Enness Harry Derrick

Associate

Harry Derrick

Harry is a great addition to the Enness team, having progressed quickly in the financial world.

Having studied Music, Maths and English at A-Level, Harry took a productive gap year, jumping straight into industry by cutting his teeth as a Specialist Broker for the best part of three years.

Harry believes in getting the absolute best outcome for his clients by providing a top-quality service, and using his extensive knowledge of the market to place difficult cases.

There’s rarely a quiet moment for Harry, as he negotiates with lenders by day, and plays his guitar, drums, and piano by night. Away from the UK, Harry loves to travel, and has even volunteered in Africa as a primary school teacher.

GET IN TOUCH WITH HARRY

GET MORTGAGE ADVICE FROM HARRY

International Mortgage Broker

Daniel Howarth

Before joining Enness’ International team, Daniel spent three years at an international mortgage brokerage organising ultra high net worth loans for non-domiciliaries in France, Spain, Portugal and Italy.

With a lot of experience dealing with high net worth clients seeking international mortgages, Daniel prides himself on his comprehensive technical understanding of international credit and his specialty is his ability to break down clients’ complex financial profiles.

Daniel is an accomplished linguist who is bilingual in both French and Spanish from his joint honours French and History degree from the University of Southampton and various years working in each country.

He developed his French language skills spending a year in Calais teaching English to under-privileged children and he is well versed in French culture from working in Normandy for another four months. This was followed by a year in Lanzarote working as a Scuba Diving instructor whilst teaching French at a local school and learning Spanish in a real-world environment.

Outside of the office, Daniel runs a local café “Polyglott”, where second language speakers meet up with first language speakers to practise their language skills. When he is not broking international high net worth mortgages or developing the language skills of himself and others, Daniel is a PADI qualified Scuba Instructor who has dived in the Maldives, Egypt, Canary Islands, Australia, Thailand, Canada, Iceland and the UK.

GET IN TOUCH WITH DANIEL

CONTACT DANIEL
Enness Hadley-Langley-Smith

Commercial and Development Broker

Hadley Langley-Smith

Hadley is English born but was raised in Spain from the age of 10. He joined Enness’ Client Services team in 2017 after 2 and a half years working as a diamond buyer in a prime central area of London, and has rapidly worked his way up through the company to become a valued broker.

From diamond buying to mortgage broking, Hadley’s wealth of experience in the ultra-high net worth world means he is ideally suited to assisting Enness clients. Hadley enjoys learning about clients’ situations in depth and adapting his approach to provide the best available solution.

Outside of the office, Hadley enjoys watching and playing football. He is also a keen spectator of horse racing and attends many a meeting throughout the year.

GET IN TOUCH WITH HADLEY

GET MORTGAGE ADVICE FROM HADLEY
Enness Tomasz Wozniak

Mortgage Broker

Tomasz Wozniak

Before joining Enness, Tomasz studied at leading institutions in Europe, Asia and the United States. He studied Quantitative Methods in Economics and Information Systems at Warsaw School of Economics and completed a placement at Singapore Management University.

Following his Bachelor’s degree, he gained a Master of Quantitative Finance from Rutgers Business School – a top 10 Quant School ranked by Wall Street Executives.

Having rapidly progressed through the business, Tomasz is now a key player in Enness Mortgages team, having joined Enness as a Client Services Executive.

Outside of the office, Tomasz has been investing in the equity market since 2010 and he enjoys travelling to destinations where he can play seasonal sport; this usually involves snowboarding in winter and windsurfing in summer.

GET IN TOUCH WITH TOMASZ

GET MORTGAGE ADVICE FROM TOMASZ
Enness Oliver Hines Lloyd

Mortgage Broker

Oliver Hines-Lloyd

Originally from Wandsworth, Oliver studied Business Management at Oxford Brookes before joining Enness as a Client Services Executive.

Oliver previously worked at a financial advisory company in Geneva, and his ambitious, hardworking manner makes him a valuable addition to the Enness Private Office team.

His ability to communicate with Enness’ high net worth clients in a friendly and logical way means Oliver is perfectly placed to help clients find the best mortgage solution for their individual needs.

Outside of the office, Oliver enjoys playing and watching football, especially whenever Fulham football club is involved.

GET IN TOUCH WITH OLIVER

GET MORTGAGE ADVICE FROM OLIVER

We really appreciate the great job that Victoria did for us, because we couldn’t have got to this stage without her. We would absolutely recommend her to our family and friends, and would certainly work with her the next time we need property finance. We may be looking for a buy-to-let mortgage in the future, so we’ll be in touch! Thanks again.

Ms. Rao

We take this change to thank Chris Whitney and Ben Hall for your efforts in securing this, we had had a couple of false starts elsewhere as you know, we will learn the lesson to come to yourselves first!!

Mr. P

I was extremely pleased with the advice and help given during our quest to remortgage our house. My mortgage lender and the banks I have used for many years were not prepared to consider our remortgage, in light of their age limit criteria. In Enness, we discovered a refreshing approach based on the holistic client, not a fixed aged restriction. Devraj Ray has been outstanding, both for his expertise and the problem solving skills he displayed with the lender used for our remortgage. Devraj kept the process on track

In addition to his technical help and advice, Devraj’s interpersonal skills and rapid responses to my questions and concerns were exempelary. I was clearly not just a number to him. This friendly and expert approach has made a complex process a positive experience, and I wish to formally record my thanks and appreciation for Devraj’s help.

Dr. Kelly
Associate Director

Andrew Chalton

Driven and determined in everything he undertakes, Andrew is a valuable addition to the Enness Private Office team. After graduating with a First-class honours in Business Management, Andrew moved south to spend four years as a broker, becoming the quickest person to progress from a new starter to Associate Director status.

Andrew prides himself on his work ethic, and carries this attitude with him outside of the workplace; he’s completed ten half marathons with plans for more. When not travelling to far-flung destinations such as Bali, Andrew can be found watching his beloved Liverpool FC.

GET IN TOUCH WITH ANDREW

GET MORTGAGE ADVICE FROM ANDREW
Enness - Ellie Carter

We really appreciate the great job that Victoria did for us, because we couldn’t have got to this stage without her. We would absolutely recommend her to our family and friends, and would certainly work with her the next time we need property finance. We may be looking for a buy-to-let mortgage in the future, so we’ll be in touch! Thanks again.

Ms. Rao

We take this change to thank Chris Whitney and Ben Hall for your efforts in securing this, we had had a couple of false starts elsewhere as you know, we will learn the lesson to come to yourselves first!!

Mr. P

I was extremely pleased with the advice and help given during our quest to remortgage our house. My mortgage lender and the banks I have used for many years were not prepared to consider our remortgage, in light of their age limit criteria. In Enness, we discovered a refreshing approach based on the holistic client, not a fixed aged restriction. Devraj Ray has been outstanding, both for his expertise and the problem solving skills he displayed with the lender used for our remortgage. Devraj kept the process on track

In addition to his technical help and advice, Devraj’s interpersonal skills and rapid responses to my questions and concerns were exempelary. I was clearly not just a number to him. This friendly and expert approach has made a complex process a positive experience, and I wish to formally record my thanks and appreciation for Devraj’s help.

Dr. Kelly
Mortgage Broker

Ellie Carter

Originally from Dorset, Ellie graduated from the University of Bristol in 2016 with a 2:1 BSc in Pharmacology.

Ellie began her career at Enness as a market research intern before accepting a permanent position in the Client Services team. Ellie quickly attained her CeMap qualifications and is now a General Insurance Broker in the Enness Global Insurance Team.

She is particularly interested in the financial services sector and her favourite part of the role is connecting clients to the variety of services offered by Enness.

Outside of work, Ellie is a self-proclaimed ‘foodie’ who loves learning new recipes and trying out new restaurants. She is also an accomplished traveller; during her most recent trip to South America, she sailed across the Caribbean Sea from Panama to Columbia.

GET IN TOUCH WITH ELLIE

GET MORTGAGE ADVICE FROM ELLIE
Enness - Darya Shaterloo

We really appreciate the great job that Victoria did for us, because we couldn’t have got to this stage without her. We would absolutely recommend her to our family and friends, and would certainly work with her the next time we need property finance. We may be looking for a buy-to-let mortgage in the future, so we’ll be in touch! Thanks again.

Ms. Rao

We take this change to thank Chris Whitney and Ben Hall for your efforts in securing this, we had had a couple of false starts elsewhere as you know, we will learn the lesson to come to yourselves first!!

Mr. P

I was extremely pleased with the advice and help given during our quest to remortgage our house. My mortgage lender and the banks I have used for many years were not prepared to consider our remortgage, in light of their age limit criteria. In Enness, we discovered a refreshing approach based on the holistic client, not a fixed aged restriction. Devraj Ray has been outstanding, both for his expertise and the problem solving skills he displayed with the lender used for our remortgage. Devraj kept the process on track

In addition to his technical help and advice, Devraj’s interpersonal skills and rapid responses to my questions and concerns were exempelary. I was clearly not just a number to him. This friendly and expert approach has made a complex process a positive experience, and I wish to formally record my thanks and appreciation for Devraj’s help.

Dr. Kelly
Mortgage Broker

Darya Shaterloo

Darya is a valued member of the Enness Mortgages team. Having joined Enness as a Client Services Executive, she is notable for her intensive understanding of the process and the fantastic level of service she provides.

Darya is Iranian Azerbaijani and has a Pharmaceutical Chemistry degree from Queen Mary University.

Outside of the office she is involved in a charity called the Asian and Middle Eastern Blood Cancer Trust, which helps to get people from minority backgrounds onto the Anthony Nolan register for Leukaemia.

GET IN TOUCH WITH DARYA

GET MORTGAGE ADVICE FROM DARYA
Enness Sophia Kazmi

We really appreciate the great job that Victoria did for us, because we couldn’t have got to this stage without her. We would absolutely recommend her to our family and friends, and would certainly work with her the next time we need property finance. We may be looking for a buy-to-let mortgage in the future, so we’ll be in touch! Thanks again.

Ms. Rao

We take this change to thank Chris Whitney and Ben Hall for your efforts in securing this, we had had a couple of false starts elsewhere as you know, we will learn the lesson to come to yourselves first!!

Mr. P

I was extremely pleased with the advice and help given during our quest to remortgage our house. My mortgage lender and the banks I have used for many years were not prepared to consider our remortgage, in light of their age limit criteria. In Enness, we discovered a refreshing approach based on the holistic client, not a fixed aged restriction. Devraj Ray has been outstanding, both for his expertise and the problem solving skills he displayed with the lender used for our remortgage. Devraj kept the process on track

In addition to his technical help and advice, Devraj’s interpersonal skills and rapid responses to my questions and concerns were exempelary. I was clearly not just a number to him. This friendly and expert approach has made a complex process a positive experience, and I wish to formally record my thanks and appreciation for Devraj’s help.

Dr. Kelly
Associate

Sophia Kazmi

Sophia joined the Enness International team from Client Services after gaining an extensive knowledge of the London property market as a Move Consultant at Foxtons.

Born and raised in London, Sophia graduated with a degree in French and Business and studied Finance and Economics at l’Université Aix-Marseille during her ERASMUS.

She loves to learn new languages and is fluent in French and Greek, which makes her a great fit for the Enness International team. Outside of the office, she is also an intrepid skier and Fencer.

GET IN TOUCH WITH SOPHIA

CONTACT SOPHIA
Enness - Callum Taylor

We really appreciate the great job that Victoria did for us, because we couldn’t have got to this stage without her. We would absolutely recommend her to our family and friends, and would certainly work with her the next time we need property finance. We may be looking for a buy-to-let mortgage in the future, so we’ll be in touch! Thanks again.

Ms. Rao

We take this change to thank Chris Whitney and Ben Hall for your efforts in securing this, we had had a couple of false starts elsewhere as you know, we will learn the lesson to come to yourselves first!!

Mr. P

I was extremely pleased with the advice and help given during our quest to remortgage our house. My mortgage lender and the banks I have used for many years were not prepared to consider our remortgage, in light of their age limit criteria. In Enness, we discovered a refreshing approach based on the holistic client, not a fixed aged restriction. Devraj Ray has been outstanding, both for his expertise and the problem solving skills he displayed with the lender used for our remortgage. Devraj kept the process on track

In addition to his technical help and advice, Devraj’s interpersonal skills and rapid responses to my questions and concerns were exempelary. I was clearly not just a number to him. This friendly and expert approach has made a complex process a positive experience, and I wish to formally record my thanks and appreciation for Devraj’s help.

Dr. Kelly
Commercial and Development Broker

Callum Taylor

Callum joined Enness in 2016 as a client services executive and has an excellent grasp on working with high net worth clients.

Having achieved a First Class Honours BA Accounting and Finance degree at the University of West London, Callum spent time working for a hedge fund, before moving to Rolex as part of its sales and client experience team. He has also spent time working in Malaysia on a UK trade and investment project.

In his spare time, Callum is a Scratch Handicap Golfer and played for England School Boys.

GET IN TOUCH WITH CALLUM

CONTACT CALLUM
Ennes Tom OBrien

We really appreciate the great job that Victoria did for us, because we couldn’t have got to this stage without her. We would absolutely recommend her to our family and friends, and would certainly work with her the next time we need property finance. We may be looking for a buy-to-let mortgage in the future, so we’ll be in touch! Thanks again.

Ms. Rao

We take this change to thank Chris Whitney and Ben Hall for your efforts in securing this, we had had a couple of false starts elsewhere as you know, we will learn the lesson to come to yourselves first!!

Mr. P

I was extremely pleased with the advice and help given during our quest to remortgage our house. My mortgage lender and the banks I have used for many years were not prepared to consider our remortgage, in light of their age limit criteria. In Enness, we discovered a refreshing approach based on the holistic client, not a fixed aged restriction. Devraj Ray has been outstanding, both for his expertise and the problem solving skills he displayed with the lender used for our remortgage. Devraj kept the process on track

In addition to his technical help and advice, Devraj’s interpersonal skills and rapid responses to my questions and concerns were exempelary. I was clearly not just a number to him. This friendly and expert approach has made a complex process a positive experience, and I wish to formally record my thanks and appreciation for Devraj’s help.

Dr. Kelly
Commercial and Development Broker

Tom O’Brien

Tom has a passion for figures and maths and he graduated with a 1st in Economics from the University of Sussex.

Following time working at a property asset management company in Mayfair, Tom joined Enness as Client Services Executive in 2016, before being promoted to Commercial and Development Broker. He has been interested in property from a young age with a particular interest in property development.

A keen skier and sportsman, Tom played football and cricket and swam at county level and brings his motivation and team spirit to the work that he does at Enness.

GET IN TOUCH WITH TOM

CONTACT TOM
Enness James Ashe

We really appreciate the great job that Victoria did for us, because we couldn’t have got to this stage without her. We would absolutely recommend her to our family and friends, and would certainly work with her the next time we need property finance. We may be looking for a buy-to-let mortgage in the future, so we’ll be in touch! Thanks again.

Ms. Rao

We take this change to thank Chris Whitney and Ben Hall for your efforts in securing this, we had had a couple of false starts elsewhere as you know, we will learn the lesson to come to yourselves first!!

Mr. P

I was extremely pleased with the advice and help given during our quest to remortgage our house. My mortgage lender and the banks I have used for many years were not prepared to consider our remortgage, in light of their age limit criteria. In Enness, we discovered a refreshing approach based on the holistic client, not a fixed aged restriction. Devraj Ray has been outstanding, both for his expertise and the problem solving skills he displayed with the lender used for our remortgage. Devraj kept the process on track

In addition to his technical help and advice, Devraj’s interpersonal skills and rapid responses to my questions and concerns were exempelary. I was clearly not just a number to him. This friendly and expert approach has made a complex process a positive experience, and I wish to formally record my thanks and appreciation for Devraj’s help.

Dr. Kelly
International Mortgage Broker

James Ashe

James is a highly professional and affable member of Enness, providing strong leadership and French property market expertise in his role as International Mortgage Broker. After graduating with a degree in Russian from the University of Bristol, James worked for a French mortgage brokerage in London, before opting to ply his trade in the high net worth arena at Enness.

James is passionate about French property and loves holidaying in France, where he can take in the nation’s spectacular array of architecture first-hand – from coastal holiday homes to magnificent churches and cathedrals in the cities.

Outside of work, James is a keen musician, avid reader and a fervent fan of British comedy.

GET IN TOUCH WITH JAMES

CONTACT JAMES
Enness James Hewitt

We really appreciate the great job that Victoria did for us, because we couldn’t have got to this stage without her. We would absolutely recommend her to our family and friends, and would certainly work with her the next time we need property finance. We may be looking for a buy-to-let mortgage in the future, so we’ll be in touch! Thanks again.

Ms. Rao

We take this change to thank Chris Whitney and Ben Hall for your efforts in securing this, we had had a couple of false starts elsewhere as you know, we will learn the lesson to come to yourselves first!!

Mr. P

I was extremely pleased with the advice and help given during our quest to remortgage our house. My mortgage lender and the banks I have used for many years were not prepared to consider our remortgage, in light of their age limit criteria. In Enness, we discovered a refreshing approach based on the holistic client, not a fixed aged restriction. Devraj Ray has been outstanding, both for his expertise and the problem solving skills he displayed with the lender used for our remortgage. Devraj kept the process on track

In addition to his technical help and advice, Devraj’s interpersonal skills and rapid responses to my questions and concerns were exempelary. I was clearly not just a number to him. This friendly and expert approach has made a complex process a positive experience, and I wish to formally record my thanks and appreciation for Devraj’s help.

Dr. Kelly
Mortgage Broker

James Hewitt

James is one of our most resourceful advisers, with a background in client services which makes him an extremely approachable and sympathetic broker. Having worked on deals across the UK, predominantly for London properties, James has solved a variety of cases from buy to let and residential to limited companies.

James enjoys helping clients reach an end goal while ironing out any bumps along the way. He is an excellent listener and has a knack for building lasting professional relationships.

James is one of a few native northerners at Enness. He is originally from the Wirral and a keen Everton fan. He also enjoys a game of squash and any opportunity to travel.

GET IN TOUCH WITH JAMES

CONTACT JAMES
Enness Victoria Barton

Latest Testimonials

We really appreciate the great job that Victoria did for us, because we couldn’t have got to this stage without her. We would absolutely recommend her to our family and friends, and would certainly work with her the next time we need property finance. We may be looking for a buy-to-let mortgage in the future, so we’ll be in touch! Thanks again.

Ms. Rao

We take this change to thank Chris Whitney and Ben Hall for your efforts in securing this, we had had a couple of false starts elsewhere as you know, we will learn the lesson to come to yourselves first!!

Mr. P

I was extremely pleased with the advice and help given during our quest to remortgage our house. My mortgage lender and the banks I have used for many years were not prepared to consider our remortgage, in light of their age limit criteria. In Enness, we discovered a refreshing approach based on the holistic client, not a fixed aged restriction. Devraj Ray has been outstanding, both for his expertise and the problem solving skills he displayed with the lender used for our remortgage. Devraj kept the process on track

In addition to his technical help and advice, Devraj’s interpersonal skills and rapid responses to my questions and concerns were exempelary. I was clearly not just a number to him. This friendly and expert approach has made a complex process a positive experience, and I wish to formally record my thanks and appreciation for Devraj’s help.

Dr. Kelly
Associate Director

Victoria Barton

Vicki will always put the client’s best interests first. She has a natural flair for building rapport and professional relationships, with a true understanding of how to help her clients feel comfortable.

Having moved to London from the North to further develop her career, Vicki completed her CeMaps of her own accord and has excelled within the industry ever since. She was recently promoted to Associate Director and is also a Team Leader, leading one of the Enness Mortgages broker teams.

With experience in dealing with complex cases, Vicki is a problem solver who works quickly and efficiently – always keeping her clients in the loop. She will treat every case with equal respect, and is particularly skilled with helping first time buyers onto the ladder.

GET IN TOUCH WITH VICTORIA

CONTACT VICTORIA
Enness Michael Frimpong

Associate Director

Michael Frimpong

Michael has a knack for developing strong working relationships with his clients, built on trust, communication and excellent service.

He joined Enness after 5 years in a financial advisory firm, where he gained his diploma in mortgages and financial planning, earning him the DipPFS qualification. His broad background in personal finance makes him an exceptionally well-rounded and informed broker.

Ensuring his clients have a full understanding of all their options is Michael’s priority; one of his main strengths is his ability to break down complex information for those with less technical backgrounds. He always takes the time to make clients feel comfortable and confident that they are making the right decision.

Outside of work, he is a gym enthusiast and keen Man Utd fan.

GET IN TOUCH WITH MICHAEL

CONTACT MICHAEL
Enness Farryl Rabinowitz

Associate Director

Farryl Rabinowitz

Farryl is a born and bred problem solver. With an impressive knowledge of the whole market, he is an extremely established broker – with many previous clients even following him to Enness.

Farryl is a fountain of wisdom for the rest of the team. His thorough, personable approach has proved failsafe when it comes to finding the right deal for a client. Specialising in technical cases, Farryl has worked with everyone from buy to let investors and companies to large portfolios and overseas clients.

No problem is too much of a challenge for Farryl, and he always makes the process as smooth as possible for his clients.

GET IN TOUCH WITH FARRYL

CONTACT FARRYL

Associate Director

Chris Lloyd

One of the top performing brokers at Enness, Chris has become extremely well-respected in the industry. He has experience across the high net worth sector, particularly when it comes to complex income structures.

Chris prides himself on being transparent with both clients and lenders. He is always prepared to work around the clock – no matter how small the deal – to meet a client’s needs. Considering how many of his clients are based overseas, this is quite a commitment.

Chris will go to the ends of the earth to find a solution for his clients, and has progressed through the ranks at Enness in record timing thanks to his determination and commitment.

GET IN TOUCH WITH CHRIS

CONTACT CHRIS
Enness Steven Boyde

Associate Director

Steven Boyde

Steve is one of our most experienced and knowledgeable mortgage brokers. With many years of broking behind him, he has rightfully earned his recent promotion to Sales Manager – Hampstead at Enness, looking after both the Enness Mortgages and Enness Commercial teams.

When it comes to understanding a client’s individual requirements, Steve goes the extra mile. No matter how busy he is, he always makes time for others, and has built strong and lasting relationships with both his clients and our network of lenders.

His areas of expertise include large loans, self-employed and contractor solutions, and buy to let mortgages.

Away from mortgages, Steve has a busy year ahead as he is tying the knot and mastering the art of fatherhood.

 

ARE YOU THINKING ABOUT GETTING A MORTGAGE?

CONTACT STEVE
Enness - Antonio Michael

Associate Director

Antonio Michael

Antonio is one of our most senior brokers, with years of experience in the industry and expertise in the high net worth market. He has always been interested in finance, since starting out in the FX sector as a currency broker.
Coming from a family who work in property, he was inspired to pursue and fuse his interest in property and finance, building his own portfolio and starting mortgage broking in 2006. Having trained with Countrywide, drawn by their high-quality program, Antonio then moved to John Charcol in 2009 to further develop his expertise in the high net worth market.

It was Antonio’s interest in forging private banking relationships which brought him to Enness, where he has established unrivalled professional connections.

His specialities range from million pound mortgages and complex income structures, to asset based lending and large buy to let loans, where his experience as an investor delivers unique insight into the concerns of strategic investors.

GET IN TOUCH WITH ANTONIO

CONTACT ANTONIO
Enness Chris Whitney

Head of Specialist Lending

Chris Whitney

Chris is a beloved member of the Enness team, and an unrivalled figure in the industry. As the head and shoulders of our well-respected Commercial Finance department, Chris has 25 years’ worth of experience in the industry and an envied list of professional contacts to prove it.

Chris has a deep understanding of all areas of commercial with a portfolio of transactions covering everything from property development funding to complex bridging finance. He is ACIB qualified and specializes in financing hotels, major property portfolios and difficult assets.

His achievements don’t stop there. He has won numerous industry-specific awards and was nominated for Best Development Broker in 2015. In his spare time, he is a qualified British Cycling Coach.

GET IN TOUCH WITH CHRIS

CONTACT CHRIS