Kate Sharpe

Mortgage Broker

Kate is a brilliant addition to our team here at Enness, having joined us from Coreco where she established herself as a broker.

With a degree in Film from Kingston University, Kate took a shine to the property finance world when she trained as a mortgage broker at John Charcol, and hasn’t looked back since.

Now a fully fledged member of our broker team, she is also studying part-time for a second degree in Psychology at The Open University.

A cat lover and coffee enthusiast, come and chat to Kate today about your property finance requirements over a cappuccino.

Contact Kate



Daniel Howarth

International Mortgage Broker

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.

Contact Daniel



Daniel's Case Studies


Remortgage for €2.6million rental property in France
Article by Daniel Howarth



Monaco property refinance for UK investor
Article by Daniel Howarth



Enness Hadley-Langley-Smith

Hadley Langley-Smith

Commercial and Development Broker

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.

Contact Hadley



Enness Tomasz Wozniak

Tomasz Wozniak

Mortgage Broker

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 initially joined Enness as a Client Services Executive but is now a fully fledged Mortgage Broker within the team.

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.

Contact Tomasz



Enness Oliver Hines Lloyd

Oliver Hines-Lloyd

Mortgage Broker

Originally from Wandsworth, Oliver studied Business Management at Oxford Brookes before joining Enness as a Client Services Executive back in 2017. He is now a fully fledged Mortgage Broker within the team.

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

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.

Contact Ollie



Tomasz Wozniak at Enness Global Mortgages helped my wife and I to secure a mortgage at a competitive rate at a time when the main high street lenders were unable to assist.

My situation was that I was just returning to employment after a long career break caring for a terminally ill relative. We approached Enness Global Mortgages, and on the strength of  a job offer I had received,  Tomasz was able to  to put us in touch with a lender who was willing to consider our particular circumstances (including skills, work experience etc) , using a person rather than just leaving everything to an abstract computer decision making process

Tomasz was absolutely invaluable in advising us, and helping us through the application process and also in liaising with underwriters where necessary to ensure our mortgage process was completed efficiently.

I would highly recommend Enness Global Mortgages. I am really happy with the service they provided. I wouldn’t hesitate to use them again if needed in the future.

Bristol.  Dec 2018.

Mr. Brandon

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

Andrew Chalton

Associate Director

Driven and determined in everything he undertakes, Andrew is an invaluable addition to us here at Enness. 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.

Contact Andrew



Enness - Darya Shaterloo

Tomasz Wozniak at Enness Global Mortgages helped my wife and I to secure a mortgage at a competitive rate at a time when the main high street lenders were unable to assist.

My situation was that I was just returning to employment after a long career break caring for a terminally ill relative. We approached Enness Global Mortgages, and on the strength of  a job offer I had received,  Tomasz was able to  to put us in touch with a lender who was willing to consider our particular circumstances (including skills, work experience etc) , using a person rather than just leaving everything to an abstract computer decision making process

Tomasz was absolutely invaluable in advising us, and helping us through the application process and also in liaising with underwriters where necessary to ensure our mortgage process was completed efficiently.

I would highly recommend Enness Global Mortgages. I am really happy with the service they provided. I wouldn’t hesitate to use them again if needed in the future.

Bristol.  Dec 2018.

Mr. Brandon

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

Darya Shaterloo

Mortgage Broker

Darya is a valued member of the Enness team. Having started at Enness as a Client Services Executive many moons ago, 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.

Contact Darya



Enness - Callum Taylor

Tomasz Wozniak at Enness Global Mortgages helped my wife and I to secure a mortgage at a competitive rate at a time when the main high street lenders were unable to assist.

My situation was that I was just returning to employment after a long career break caring for a terminally ill relative. We approached Enness Global Mortgages, and on the strength of  a job offer I had received,  Tomasz was able to  to put us in touch with a lender who was willing to consider our particular circumstances (including skills, work experience etc) , using a person rather than just leaving everything to an abstract computer decision making process

Tomasz was absolutely invaluable in advising us, and helping us through the application process and also in liaising with underwriters where necessary to ensure our mortgage process was completed efficiently.

I would highly recommend Enness Global Mortgages. I am really happy with the service they provided. I wouldn’t hesitate to use them again if needed in the future.

Bristol.  Dec 2018.

Mr. Brandon

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

Callum Taylor

Commercial and Development Broker

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.

Contact Callum



Ennes Tom OBrien

Tomasz Wozniak at Enness Global Mortgages helped my wife and I to secure a mortgage at a competitive rate at a time when the main high street lenders were unable to assist.

My situation was that I was just returning to employment after a long career break caring for a terminally ill relative. We approached Enness Global Mortgages, and on the strength of  a job offer I had received,  Tomasz was able to  to put us in touch with a lender who was willing to consider our particular circumstances (including skills, work experience etc) , using a person rather than just leaving everything to an abstract computer decision making process

Tomasz was absolutely invaluable in advising us, and helping us through the application process and also in liaising with underwriters where necessary to ensure our mortgage process was completed efficiently.

I would highly recommend Enness Global Mortgages. I am really happy with the service they provided. I wouldn’t hesitate to use them again if needed in the future.

Bristol.  Dec 2018.

Mr. Brandon

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

Tom O’Brien

Commercial and Development Broker

Tom has a passion for figures and maths having 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.

Contact Tom



Enness James Ashe

Tomasz Wozniak at Enness Global Mortgages helped my wife and I to secure a mortgage at a competitive rate at a time when the main high street lenders were unable to assist.

My situation was that I was just returning to employment after a long career break caring for a terminally ill relative. We approached Enness Global Mortgages, and on the strength of  a job offer I had received,  Tomasz was able to  to put us in touch with a lender who was willing to consider our particular circumstances (including skills, work experience etc) , using a person rather than just leaving everything to an abstract computer decision making process

Tomasz was absolutely invaluable in advising us, and helping us through the application process and also in liaising with underwriters where necessary to ensure our mortgage process was completed efficiently.

I would highly recommend Enness Global Mortgages. I am really happy with the service they provided. I wouldn’t hesitate to use them again if needed in the future.

Bristol.  Dec 2018.

Mr. Brandon

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

James Ashe

International Mortgage Broker

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.

Contact James



Latest Testimonials

Tomasz Wozniak at Enness Global Mortgages helped my wife and I to secure a mortgage at a competitive rate at a time when the main high street lenders were unable to assist.

My situation was that I was just returning to employment after a long career break caring for a terminally ill relative. We approached Enness Global Mortgages, and on the strength of  a job offer I had received,  Tomasz was able to  to put us in touch with a lender who was willing to consider our particular circumstances (including skills, work experience etc) , using a person rather than just leaving everything to an abstract computer decision making process

Tomasz was absolutely invaluable in advising us, and helping us through the application process and also in liaising with underwriters where necessary to ensure our mortgage process was completed efficiently.

I would highly recommend Enness Global Mortgages. I am really happy with the service they provided. I wouldn’t hesitate to use them again if needed in the future.

Bristol.  Dec 2018.

Mr. Brandon

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

Victoria Barton

Associate Director

Vicki always puts 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.

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.

Contact Victoria



Enness Michael Frimpong

Michael Frimpong

Associate Director

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.

Contact Michael



Chris Lloyd

Associate Director

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.

Contact Chris



Enness Steven Boyde

Steven Boyde

Associate Director

With many years of broking behind him, Steve is one of our most experienced and knowledgeable mortgage brokers here at Enness.

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 recently tied the knot and is mastering the art of fatherhood.

 

Contact Steven



Enness - Antonio Michael

Antonio Michael

Associate Director

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.

Contact Antonio



Enness Chris Whitney

Chris Whitney

Head of Specialist Lending

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 throughout the years, and in his spare time, he is a qualified British Cycling Coach.

Contact Chris