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Meet the Team

Head Office Sussex

Adam Richards   Managing Director / Mortgage Specialist

Adam has worked in the industry since 1996. Having initially spent 3 years as an adviser with Prudential, Adam moved on to become an Independent Financial Adviser with John Charcol. At John Charcol he helped them start and develop their now very successful Brighton office. After 2 years Adam chose to move on again and joined Norman Butcher & Jones. Although Adam remained an Independent Financial Adviser, he again set up and ran the mortgage department supporting 17 fellow advisers. In March 2003 after a further 2 years with Norman Butcher & Jones, Adam set up his own Independent Mortgage Brokerage called Property Finance Solutions.

Having incorporated in April 2007, Adam finally upgraded Property Finance Solutions UK Ltd in March 2010 from an Independent Mortgage Brokerage to a firm of Independent Financial Advisers known as PFS - Financial Services.

Richard Martin  Senior Consultant / Commercial & Business Banking Specialist

Richard joined Property Finance Solutions in November 2007.  Richard has been in Financial Services for 20 years and has worked for many of the larger known companies such as Legal and General, Friends Provident and Sun Alliance. His knowledge and experience is a valuable asset to our clients.

Richard deals with all types of mortgages and finance with an interest in the more specialist areas such as buy to let, commercial mortgages, bridging finance and leasehold business finance.

Neil James  Senior Consultant / Pension & Investments Specialist

Neil James heads up our Pension and Investment Division and is one of our most knowledgeable senior financial consultants. We are pleased to have him working with work us sharing his vast knowledge and best practice with clients and members of our own staff alike. He has been in the industry for over 20 years starting his career with Prudential and in his later years has been totally Independent.

Matthew has been working as an Independent Financial Advisor for the last 7 years.  Prior to that he was running a pension and investment Para planning department for a large IFA company in West Sussex. This involved  researching and putting together Pension and Investment files (both new and transfer business) for a group of 20+ Financial Consultants.

He is currently based in Horsham, West Sussex with his wife and 4 children. Matthew's existing client bank is spread  across the South of England although the vast majority are in Sussex and Surrey and include both Personal, Professional and Corporate clients. Matthew is very proud of his reputation of offering a professional and seamless service which has brought him many client referrals which is how he likes to build up his client bank.

Ben has a vast amount of experience as he has worked alongside Neil James, one of our senior consultants for the last 3 years. Ben is CeMap qualified and is currently studying towards the CeRER Equity Release Qualification. Ben is our in-house  "Protection Specialist" and provides solutions to his client bank spread across the South East. He is keen to impress and build up his client bank by way of personal recommendation.

Ben resides in Horsham with his partner Alexa and their son Henry, a 16 month old golden retriever!!.  

Sarah Williams   Consultant

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Sarah has been in the industry for 15 years working at Greenaways Estate Agency as a mortgage advisers before moving to Surrey Independent Financial Services Ltd as an Independent Financial Adviser before finally joining PFS Financial Services in March 2010.

At present Sarah is on extended maternity leave having just had her first baby.

Caroline Modestou   Office Manager

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Caroline joined Property Finance Solutions UK LTD in September 2010 starting in the role of Pension Coordinator. Caroline is now the Office Manager and has a big impact on the running of the head office.

Henry Richards   Administrator/ Pension Coordinator

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Henry joined Property Finance Solutions UK LTD straight from Sussex Downs College in June. Henry has a Business Certificate, Grade Distinction Merit and has taken up the role of Pension Coordinator.

Abi West   Overseas Projects

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Abi has joined Property Finance Solutions UK LTD as an Administrator to Martin Betts our senior consultant and Foreign Currency Mortgage Specialist.

Abi has previously worked within the industry for 6 years as a PA to the director of an Insolvency Consultantency.

Rachel Sitko   Accounts Manager

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Rachel Sitko joined Property Finance Solutions in 2003. Rachel is the accounts manager for the head office in Eastbourne and the Leicester office. Rachel brings a lot of knowledge and skill to the business.

Leicester Office

Nicholas Hitchens   Director/ Investment Specialist

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Valerie J Masters   Office Manager

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Continuous Professional Developments

As a company we promote a  Continuous Professional Development policy whereby we aim to remain abreast of current procedures and legislation to ensure that our staff remain competent when dealing with your most important transactions.

At present all our consultants are studying towards the new diploma qualifications for 2012