At the UK Mortgage Centre


Our expert, friendly team deliver advice that cuts through the industry jargon to help you secure homeownership on your terms. Get to know our team below

Sam Fox Founder



Once had a dream of becoming a musician having studied Music at University, then switched up to become a Warrington based Mortgage Adviser – to support young families secure their forever home.

Charlotte Finance and Accounts


Head Of Accounts

Charlotte has always been in customer centric roles and is key to our clients understanding our internal processes and making sure that you have the right protection in place ahead of your purchase.

She’s also an amazing problem solver.

Ray Mortgage Adviser


Head Of Adviser Development

Mortgages have been a part of Ray’s life longer than Sam.

With over 30 years as a Warrington-based Mortgage Advisor, Ray knows exactly how to help homebuyers secure their dream home or how to help Landlords maximise their investments.

Some say he’s a distant relative to Grumpelstiltskin.

Michelle Completions Manager


Completions Manager

Experienced in property management, Michelle is here to liaise with the key people in the property chain, such as your solicitors, to make sure that we’re helping you understand the latter parts of the homebuying.

Emma Marketing Manager


Marketing Manager

Emma is the brains behind all our marketing, including our social media, website, design work brochures, guides…you name it, Emma’s done it.

Tara - Head Of Operations at UKMC Mortgage Company


Head Of Operations

Here to keep everything in check. Tara makes sure that the whole team are working with you along your Homeownership journey to ensure you have the best possible experience whilst working with us.

Ben Sales Manager


Head Of Sales

Ben joined the team as our Sales Manager back in 2022 when WMC expanded into UKMC!

Ben plays a key role on the day to day operations here at UKMC.

Will Mortgage Adviser


Mortgage & Protection Adviser

Our first Member of our Mortgage Advisor Academy, Will has flown through his exams to become a Warrington based Mortgage & Protection Advisor. Will also helps to make sure that Mortgage Applications are seamless, and we receive your mortgage offer as quickly as possible.

Fun Fact: Will can inhale a croissant in one.

Jon Mortgage Adviser


Mortgage & Protection Adviser

Jon has over 25 years experience in the mortgage world. Jon, much like Ray, knows exactly how to help homebuyers secure their home, from Remortgages, first time buyers and buy to lets, Jon can do it all.

Fun Fact – He is great at nicknaming!!

Laura - Mortgage Adviser at UKMC Mortgage Company


Mortgage & Protection Adviser

After taking almost 2 years out of the mortgage industry, Laura realised how much she missed it! She loves helping people realise their mortgage dreams as there is no job satisfaction like it.

She loves the chatty side of the job, talking to people from all walks of life, then the problem solving side, breaking down the clients situation and finding the perfect solution for them.

Fun facts – She’ll never say no to a cup of tea.

Image Pending Meet The Team


Mortgage & Protection Adviser

Steph joined the world of finance back in 2018 following on from travelling and working in hospitality aboard for 6 years. Her mortgage portfolio consists of first-time buyers, home movers, remortgage, buy to let and bridging loans.  Steph thrives in a energetic atmosphere and finds assisting clients through to completion rewarding.

Fun Fact – Steph loves exploring new place and spending time with her family.

Amy Mortgage Adviser


Mortgage & Protection Adviser

All Amy has ever known is the mortgage world, which was one of her first ever employment at the age of 19 as a mortgage case manager. She’s been in the industry for nearly 10 years and has been qualified as a Mortgage and Protection Adviser since 2017. You’re in safe hands when Amy is dealing with your mortgage, her ultimate goal is getting you that mortgage offer!

Eri - Mortgage Adviser at UKMC Mortgage Company


Mortgage & Protection Adviser

Eri’s passion is to lead people in the right direction and help them find the best possible solutions for their mortgage!

She has a master’s and bachelor’s degree in teaching English as a second language. Whereas my professional background includes many years of mortgage and customer advice industry and  holds a level 3 qualification in Mortgage and Practice (CeMap).

Fun Fact – Eri speaks 5 languages, and has a passion to learn as many as she can.

Katy Paraplanner


Mortgage & Protection Adviser

After completing her mortgage qualification with absolute ease she’s ready to help our clients along their homeownership journey with our team!

Chris Paraplanner


Mortgage & Protection Adviser

Chris passed his CEMAP with flying colours! You could say he is quite the housing expert with Buy To let properties of his own.

Fun Fact – Chris is the offices Mary Berry!

Sam - Mortgage Adviser at UKMC Mortgage Company


Mortgage & Protection Adviser

With 5 years financial services experience, after 12m out of the mortgage industry, Sam has seen the light and re-joined UKMC.

He loves the fast-paced environment and gets a real kick out of helping others, whether that be to secure their first home, mortgage, remortgage or Buy to let.

When not working Sam enjoys to socialise with friends and family & spends most evenings and weekends at his children’s football or netball matches.

John Paraplanner


Mortgage & Protection Adviser

John was inspired to become a mortgage broker as he wanted to help people successfully find themselves a mortgage.

John is also a qualified Zumba instructor but has yet to run a class for the office…

Dom Case Manager


New Business Associate

Dom was always destined to be here at the UK Mortgage Centre. He first discovered the world of mortgages after becoming friends with Michelle and Ray! Dom loves helping clients navigate through the home buying journey.  When he’s not working you can find him biking, playing football or having a pint with friends.

Emma - Case Manager at UKMC Mortgage Company


Case Manager

Emma may be a complete newbie to mortgages, but she’s got plenty of passion for the industry. She often scrolls through right move and has a dream of owning and renting out properties… Some may say building her Buy To Let empire! Fun Fact about Emma – She loves exploring new places and hiking in the UK, although she does love going abroad and travelling the world, seeing new places!

Helen - Case Manager at UKMC Mortgage Company


Case Manager

After finding us on Social Media, Helen has joined the UKMC family as a Case Manager.  She’s got plenty of experience chatting to clients as she used to be a hairdresser! After buying her first home a few years ago, it ignited a passion for the home buying process. She wants to help people going through the homeownership journey.  Fun Fact about Helen, she’s an avid true crime girly, often watching or listening to murder documentaries… if one of us goes missing, you know who!

Jenny Case Manager


Case Manager

Jenny spent 10 years at 02 as an account manager and then made the hop over to the mortgage world shortly after having her children, working as a case manager.  Jenny loves working as a part of a team and guiding clients through their homeownership journey from start to finish.

Debra - Case Manager at UKMC Mortgage Company


Case Manager

Debra has 10 years of experience in the financial service industry, having worked in mortgages for 6 years deb now has aspirations to join Katy, Tom and John on the path to become an Adviser! Deb loves seeing her clients through right from the start through to completion.

Fun Fact – She is the dancing queen and loves to sing although her friends say it’s a shame she can’t hold a tune… that doesn’t stop her though!

Luke - New Business Associate at UKMC Mortgage Company


New Business Associate

Luke has worked in financial services since leaving uni. His passion for mortgages came from his fascination on the property market and how up and down it can be! Luke is an aspiring Mortgage Adviser and we’re sure he will be there in no time!

Fun Fact – Luke has had a documentary made about him.


    *Data Protection - Any information given will be treated as confidential and be accessible only within UKMC