Professional & Experienced Broker Team

Heme has more than 25 years of experience in mortgage, protection and financial services advice. As a Director of Intelligent Adviser, he advises clients directly while also overseeing compliance, adviser standards and the quality of advice provided across the business.

His experience includes senior leadership roles within financial services, specialist mortgage advice and protection planning, with particular expertise in new-build purchases and more complex client circumstances.

Specialisms: complex residential mortgages, remortgages, protection planning, self-employed applicants, new-build purchases and complex affordability cases.

Heme’s work has received industry recognition, including Protection Adviser of the Year in 2012, Midlands Adviser of the Year in 2014, and both Top Protection Adviser Midlands and Top Overall Protection Adviser with Pink Home Loans in 2015.

 

As a joint owner of Intelligent Adviser, I have built my career around helping clients make confident decisions about their mortgages and protection needs. My experience spans financial advice, protection, senior leadership and specialist mortgage advice, including extensive work with new-build purchases.

I believe financial advice should be clear, straightforward and genuinely personal. My focus is on understanding each client’s circumstances, explaining their options in plain English and providing support not just at the point of application, but throughout the wider home-buying and financial journey.

My career has also been recognised within the industry, including Protection Adviser of the Year in 2012, Midlands Adviser of the Year in 2014, and both Top Protection Adviser Midlands and Top Overall Protection Adviser with Pink Home Loans in 2015.

Mandy has more than 10 years of experience in the mortgage and protection industry, helping clients make informed decisions about their borrowing and protection needs.

Her approach is centred on building long-term relationships and supporting clients beyond the initial mortgage application. She works closely with clients to review their mortgage over time, explore opportunities to repay borrowing efficiently and ensure suitable protection is in place for their family and financial commitments.

Specialisms: residential mortgages, remortgages, protection planning, mortgage reviews and long-term client support.

Tony advises across a broad range of mortgage and protection needs, supporting clients from their first purchase through to remortgaging, buy-to-let and ongoing protection planning.

He takes a hands-on approach to the mortgage journey, with a strong focus on making the process as clear and straightforward as possible. Tony works closely with clients from initial advice through to completion, helping to reduce unnecessary stress and ensuring they understand their options at each stage.

Specialisms: first-time buyers, residential mortgages, remortgages, buy-to-let mortgages and protection planning.

Dave has more than 20 years of experience in the mortgage and protection industry, helping clients achieve their financial goals while ensuring their families and financial commitments are appropriately protected.

He has particular experience in the remortgage market and takes a practical, client-focused approach to reviewing existing arrangements, comparing available options and helping clients make informed decisions about their mortgage and protection needs.

Specialisms: remortgages, residential mortgages, protection planning, mortgage reviews and long-term client support.

Tejal is a recent Economics graduate, who has recently started her career in the mortgage industry in Broker Support, where she assists with the mortgage process and supports advisers.

She has a strong interest in mortgages and financial services and is currently studying towards her CeMAP qualification as she works towards progressing into a career as a qualified mortgage adviser. She is keen to develop her knowledge and experience across different areas of the mortgage and protection market. She is committed to continuing to build her knowledge so she can provide clients with a high standard of support throughout their mortgage journey.