Head of Mortgage Advice

Chris Pain
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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.

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.

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“We needed a mortgage for our house purchase and Roger was very professional and informative throughout the process, advising us of our options and taking forward our choices decisively. Following securing our mortgage offer, we also asked him to arrange protection plans for us which he did to our satisfaction. Throughout this process, Gemma was also on hand to provide us with frequent updates at every stage and support us whenever we required. We will certainly recommend Curchods Mortgage Services (Roger and Gemma in particular) to anyone after a mortgage and/or protection plans.”

Timi O

30/04/2025

Curchods Mortgage Services is a trading style of Lifetime Wealth Management Limited, which is an appointed representative of Quilter Financial Services Limited, Quilter Mortgage Planning Limited & Quilter Wealth Limited, which are authorised and regulated by the Financial Conduct Authority and registered as 440703, 440718 and 217742 respectively. Lifetime Wealth Management Limited is registered in England and Wales, No:04631136. Registered Address: 12-14 Upper Marlborough Road, St. Albans, Hertfordshire, AL1 3UR. The guidance and information on 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: QFPcomplaints@quilter.com Tel: 0808 171 2626 You can find more information by visiting the Quilter Financial Planning website: http://www.quilterfinancialplanning.co.uk/contacts. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (www.financialombudsman.org.uk)