There is no substitute for a professional mortgage advisor to explain everything, research, prepare and submit your mortgage application.

Having been in business since 1994, Curchods Mortgage Services are able to provide whole of market mortgage advice, with all their advisers being fully qualified. Find out more about the team below.

Chris Pain
Head of Mortgage Advice | FPC 123, CeMAP

My whole working life has revolved around the residential property market having started as a sales negotiator aged 18 within the estate agency sector, progressing to a managerial role within 5 years. I thoroughly enjoyed my time selling property but the draw of moving over to the financial services arena proved too strong and allowed me to take advantage of my interest and natural aptitude for numbers.

I spent 6 years working for a bank in residential and commercial lending before joining Curchods Mortgage Services as an advisor in 1994. I became Head of Mortgage Advice in 2009 and have taken immense pride in seeing the company grow from 4 advisers to its current level of qualified mortgage/protection consultants and a fantastic admin team that continues to receive many 5-star reviews for the excellent service they provide.

My time is spent running the business, advising clients, some of whom I’ve dealt with for nearly 30 years years and also advising high net-worth clients within our prime brand. When I’m not working, chances are you’ll find me swinging a golf club.


John Morgan
Sales Manager

Having started in Estate Agency back in 1998, I moved across to mortgages services in 2002 and have not looked back! Having always worked alongside Estate Agents I have a vast range of knowledge and experience in the housing market, which I use to my advantage in ensuring that our clients’ experience in dealing with Curchods Mortgage Services is a smooth and efficient process.

Assisting in driving the business forward whilst keeping the client at the centre of what we do is an exciting and challenging role which provides me with great satisfaction.


Mike Dean
Senior Mortgage Advisor | FPC 2,3. CeMAP

I have been in the Financial Services industry for over 23 years. Having started within Banking I then moved into management in Building Societies before I became a mortgage broker in 2004 which I thoroughly enjoy. I have not looked back since and am passionate about my work, providing great service to help my clients and advising them on their mortgage and protection requirements.

Many of my clients have used me for a number of years and also refer friends and family for me to help too which is a great testament to the advice and service I provide.


Tony Sexstone
Senior Mortgage Advisor | CeMAP

Currently living in Walton-on-Thames and having worked within the estate agency business since 2001 giving both mortgage and protection advice, I feel that I am very well placed to ensure that my clients not only get the best possible service throughout the sales process but become a client for life.

Since joining Curchods Mortgage Services, the dedicated admin team has afforded me more time to be in the strongest ever position to meet the needs of my clients. I am delighted to say that after many years in this sector, I still enjoy continuous referrals and recommendations which I believe to be the ultimate sign of a job well done!


Simon Labrow
Senior Mortgage Advisor | FPC, CeMAP

I have been advising on mortgages since 1985 when I started my career in financial services with Legal & General. Mortgages have become far more complicated to arrange in recent years so many of my clients really appreciate my specialist advice using my considerable experience.

I have an excellent knowledge of tax and assist clients to find the most efficient way to complete their property transaction.


Chris Gomez
Senior Mortgage Advisor | CeMAP

I have been working in the property industry now for over 5 years and began my career as a negotiator based in Ewell. Having progressed through to the position of Assistant Manager, my experience in Estate Agency has given me a vast knowledge of the house buying process which I use to help my clients dealing with offers, understanding the legal process and the mortgage journey itself.

After successfully passing my CeMAP examinations earlier this year, I decided to make the switch to mortgage services and joined the team here at Curchods Mortgage Services. I felt the combination of the experience and reputation of the company paired with the support of a strong administration team were the perfect building blocks to progress my chosen career.


Roger Larner
Senior Mortgage Advisor | FPC & CeMAP

I started my career in banking in 1990 before moving into financial planning in 1997 where I soon specialised in mortgage and protection advice, driven by my own experience of buying my first property at that time and the challenges that involved. With the extensive knowledge and capability I have gained, I’m most proud of the reputation I have for developing and retaining strong relationships with my clients.

Now, with over 30 years of experience in the wider financial services industry seeing an incredible amount of change that’s ongoing, I am delighted to have joined Curchods Mortgage Services who share the same passion and commitment in helping clients fulfil their goals and ambitions.


Ed Miles-Marsh
Mortgage & Protection Advisor

Since graduating from University with a degree in Real Estate I started my journey in the property & finance industry where I worked in a Private Bank before moving to an Estate Agency based in Central London as a negotiator. My exposure to the housing market has enabled me to assist my clients by providing them with advice throughout the house buying process.

I then made the move to the financial services industry where I have been working since 2021 and after working for a major corporate estate agency I moved across to Curchods Mortgage Services. I was enthused to join such a prevalent company in the Surrey area and I am looking forward to forging long term relationships with clients to meet their needs and achieve their goals.


Jonathan Dunn
Protection Specialist

Having started working in the protection insurance industry back in 2007, I began my career as a Life Sales Consultant based in Surrey. Since then I have worked in both the UK and abroad, along with spending time working for the largest life insurance brokerage in the UK as a Senior Consultant. In 2016 I became a Protection Adviser, and have since been helping many of my clients make the right choices to protect them and their families.

The most important part of my role is to understand my clients’ situation and to know what’s important for them, providing a bespoke Protection package that keeps my clients financially safe. My role here at Curchods Mortgage Services allows me to use my many years of knowledge and expertise to give great customer outcomes and satisfaction.

Geraldine McCluskey
Case Manager

Originally from Donaghmore in Ireland I started my career in the IT sector. Transferring to London I enjoyed a successful career in IT training management, counting the Privy Council’s office and the House of Commons amongst my clients, before moving onto management training in the finance sector.

Always looking for a new challenge and to broaden my horizons, I joined Curchods Mortgage Services, keen to develop in new fields. Away from work I am a keen skier and cook, married to Paul who is in teaching and have two daughters at university.


Gemma Hughes
Case Manager

After 11 years of nannying many lovely children, I decided to look for a new and exciting challenge. This led to my career change into Financial Services. My first role was within the Administration team at a sub-prime lender, where I began to increase my knowledge about Mortgages and add to my skill set. The opportunity arose to work at Curchods Mortgage Services and with my desire to learn and expand my knowledge I seized the opportunity.


Amanda Dwyer
Case Manager

After working in the Oil & Gas industry for many years, a change to the world of Mortgage Financial Services in 2018 was a new and exciting challenge for me and I have not looked back. I joined the Curchods Group in 2021 as I felt it was a great move to work with such a professional and well known award winning company.

Working for Curchods Mortgage Services I know will certainly expand my understanding of mortgages & protection and help me in many ways to extend my knowledge in new aspects within the business. I enjoy helping clients through the financial side of the process of house buying and ensure that I an always on hand to assist in any way possible


Michelle Mulea
Case Manager

After enjoying many administrative roles during my career, across various industries such as finance, legal, retail and education, I found all of these sectors have provided me with the confidence, experience and skill set needed in my role as a Case Manager here at Curchods Mortgage Services.

My clients are always at the centre of everything I do and I take great pride and pleasure in being there to help and guide them smoothly to obtain their mortgage and more importantly their home, whilst along the way having the opportunity to work within a great team and meet new and interesting people.


Louise Long
Business Development

I began my estate agency career back in the 1970s as a secretary and soon became PA to the Company Partner. I decided after some years, after returning back to work having had my two sons, to change my role to become a negotiator as I have an enthusiasm for great customer service and a genuine interest in people. I have a passion for property and during the years have seen many different market conditions, all of which have given me the knowledge and expertise to help those going through what is perceived to be one of the most stressful times in a person’s life.

Having been involved in many aspects of the industry from lettings to valuing I am now delighted, after 18 years with the Curchods Group, to be working within the Mortgage Services Department, where I feel I can utilise my experience in assisting our clients in this most important sector of the house buying process.


Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority do not regulate commercial and some buy-to-let mortgages.

Commercial Mortgages are available by referral only.

The value of pensions and investments can fall as well as rise, you may get back less than you invested.

The Financial Conduct Authority do not regulate tax planning.

Equity Release will reduce the value of your estate and can affect your eligibility for means-tested benefits.

Please confirm you consent to us using cookies to help improve your experience on the Curchods Mortgage Services website.

Cookies are small text files placed on your computer/mobile device that remember your preferences and what you were searching for. Our cookies don’t collect any personal information. For more information please read our privacy policy, thank you

Curchods Mortgage Services is a trading Style of Lifetime Wealth Management Ltd, who is an appointed representative of Quilter Financial Services Ltd and Quilter Mortgage Planning Ltd, which are authorised and regulated by the Financial Conduct Authority. Lifetime Wealth Management Ltd: Registered in England & Wales, No. 04631136. Registered Office: 12-14 Upper Marlborough Road, St. Albans, Hertfordshire, AL1 3UR. The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

If You Are Unhappy With Our Service

If you have a complaint about your adviser, or any financial advice you have received from your adviser, please contact us: Quilter Financial Planning Complaints Department Quilter Sunderland SR43 4JP Email: Tel: 0808 171 2626 You can find more information by visiting the Quilter Financial Planning website: If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (