Guildford mortgage broker scoops two national awards and grows firm by 39%

Friday, 24th March, 2017
mark finnegan

Guildford mortgage brokerage, Complete Mortgages, is banishing Brexit fears and quelling any talk of economic uncertainty after receiving two national awards and delivering 39% growth in the last 12 months.

The Railton Road-based firm collected the Top Mortgage Adviser and Top Network Adviser awards at this year’s Mortgage Intelligence Awards, which took place at Ascot Racecourse on Thursday 9 March, beating 400 advisers from around the UK to pole position.

It is the sixth consecutive year that Complete Mortgages has won a national award at the Mortgage Intelligence Annual Conference.

The double award win comes as the firm reveals that it secured mortgages for the Surrey community worth almost £140 million and expanded its team to 12 people – up from 3 people when it joined the Mortgage Intelligence Network in 2009.

On receiving the awards, Complete Mortgages’ founding director and Guildford resident, Mark Finnegan, comments: “The last twelve months have been hugely important for Complete Mortgages. We’ve grown faster than any other year in our eleven-year history and we’re continuing to draw some of the most experienced and talented brokers from across the UK, all of whom are attracted by our growing national reputation. We’re delighted to once again be recognised for delivering a first-class service and remain committed to making Guildford a southeast England hub of excellence when it comes to financial services and mortgage products.”

Kenton Cool, the world-renowned mountaineer responsible for leading Sir Ranulph Fiennes up Everest in 2008 and 2009, presented the awards to Mark at a ceremony that welcomed almost 350 people.

Dorset-based Mortgage Intelligence is a mortgage and insurance network and club, which aims to help brokers achieve more by providing tailored solutions, support and training. It has been supporting the mortgage and insurance brokerage industry for over 20 years.

On Complete Mortgages’ success, Sally Laker, Managing Director at Mortgage Intelligence, adds: “It’s no coincidence these awards are presented to Mark and his team during a period of rapid growth. Complete Mortgages’ professionalism, customer service and dedication to delivering high service standards is not only positive for the clients it serves, but also the mortgage brokerage industry as a whole. We’re delighted to have Complete Mortgages in our network and commend the firm on its excellent work.”

For more information visit or contact 01483 238280.


Image caption: Mark Finnegan collects the Top Adviser Award from UK mountaineer Kenton Cool at the 2017 Mortgage Intelligence Awards.

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Protection insurance – do you know what you’re getting?

Tuesday, 11th February, 2014

Signing an insurance policy doesn’t mean that you can put it in a lever-arch file at the back of a cupboard and forget about it.

Whether you have critical illness cover, life cover, property insurance or a general health insurance plan, the advice that we’re giving our existing and prospective clients is review your insurance policy regularly – at least every six months – or risk owning a policy that isn’t worth the paper it’s printed on.

As an insurance and mortgage brokerage, we’re often astounded by the laid back approach of the public when it comes to protection insurance. Indeed, a recent insurer’s poll of UK protection purchasers revealed that people aren’t taking variable ‘life factors’ into account when it comes to their own insurance policies.

For example, changes in mortgage status such as taking on a larger mortgage or remortgaging, marriage (or divorce) and even having a baby all have implications when it comes to insurance cover.

Imagine taking out life insurance policy in 2014 where the policy stipulates that in the even of your death, your partner will receive the full amount of your mortgage liability, which, for example, is £250,000. In 2016, you purchase a property that increases your mortgage liability to £350,000 however you don’t review and renew your insurance policy. Immediately you are running the risk of your partner missing out on £100,000 in the event of your death.

A sombre thought. Of course, this also applies to less serious and non-fatal events, too. Equally, are you paying too much for your insurance since downsizing your property? You really are missing a trick if you’re not fully aware of what your policy covers you for.

So, what can you do to make sure that your policy covers you at any given life stage?

Simply go and get professional financial advice from an insurance broker who can source a policy that works for you and commit to regularly reviewing your policy in tandem with your current situation.

If you have concerns about your existing protection insurance policy, would like insurance quotes or would just like to find the best policy for you, get in touch with us on 01483 233014 or email our insurance specialist

How protected are you? Five protection insurance myths – exposed.

Monday, 2nd December, 2013

Insurance has moved on a long way from where it used to be. In fact, regulation and media pressure, combined with a more clued-up and unforgiving public, has meant that the insurance industry is now more transparent than it ever has been.

As an independent insurance broker Complete Mortgages provides its customers with a range of products including property insurance and mortgage protection, which are relatively straightforward and well understood by the public. It’s critical illness cover and anything involving a life insurance policy that people, in our experience, are often more wary of.

So, in a bid to help make protection insurance as clear as possible and debunk the five common myths associated with this type of product, here are five tips to keep in mind when considering taking out a protection insurance policy.

It never pays

According to Protection Review, an industry watchdog headed up by industry experts, the general public consensus is that only around 38 per cent of protection insurance claims get paid. However according to Protection Review the actual figure is over 90 per cent. Not only that but according to the organisation these claims are paid promptly, too.

The state will look after me

Yes, the state will pay you money if you are unable to work due to illness or disability – but it only equates to £71 a week for those over 25. This rises to £100 after a period of 13 weeks however a pay out from a private insurance provider is much higher. Not only that, but the state won’t pay out when you die – a life insurance policy will.

It won’t happen to me

Hopefully not. But it has to happen to someone and as research shows, over one in three people are likely to suffer from cancer and countless accidents happen each and every day, some minor and some fatal. Either way, it’s enough to potentially have a catastrophic impact on you and your family. Having something in place will at least take away one major concern if that time ever comes.

My employer will look after me

Whilst a health insurance plan is often part of an employee’s salary package, over 75 per cent of employers do not provide life insurance cover for their employees. If long-term sick leave were required then the employee would qualify for statutory sick pay at £86.70 a week for the first 28 weeks. Again, payouts from a private policy would be much higher.

I can’t afford it

The average cost of a protection policy is £27 a month – about the average cost of a family takeaway meal. It really isn’t as much as people generally expect and given the long-term implications if you don’t have it, maybe the question is whether or not you can afford not to have it!

If you don’t work in insurance then it’s likely that the thought of finding the right policy for you is probably enough to stop you in your tracks. That really doesn’t have to be the case. As an independent insurance broker we’re here to find you the product that works best for you and your family’s lifestyle.

So, whether you’re a doctor, a builder or a racing car driver, get in touch with one of the team on 01483 233014 for an insurance quote or to find out how we can help protect you and your family. Alternatively email our insurance specialist Carolyne Fairfull on

Insurance Specialist joins Complete Mortgages

Friday, 31st May, 2013

Against the national backdrop of a flagging economy we have expanded our workforce from one to seven since we set up in 2005 and has just appointed Carolyne Fairfull, an ex-Halifax high-flier, to further grow our insurance division.

Insurance Specialist Carolyne, from Camberley, joins us following a 30-year career at Halifax, where she won national awards for service delivery across the business’s wide portfolio of insurance products.

On her appointment Carolyne comments: “It’s great to see that the finance sector isn’t as London-centric as it once was and that Surrey firms are now giving the City a run for its money. My role will complement Complete Mortgages’ existing offering by improving synergy across the initial sales process and making insurance a core part of Complete Mortgages’ stable of products.”

Mark Finnegan, who lives in Guildford and also spent the first part of his career with Halifax, adds: “Carolyne is a consummate professional whose years spent with one of the UK’s largest insurance providers will no doubt help to ensure that Complete Mortgages continues to buck the trend by achieving high growth. The marketplace for mortgages is now extremely competitive and by adding value to our brokerage services we aim to stand out as a business not just Surrey-wide, but also nationwide, too.”