Meet the team

Henry Dannell is a team of specialist mortgage and protection advisers, experienced in providing bespoke solutions, tailored to fit each client’s individual circumstances and requirements. With a niche and highly skilled team, experienced in dealing with all income structures, no matter how complex, and with access to unlimited high street and private lenders, we will endeavour to deliver the most suitable solution the market has to offer.

Kem Kemal
CEO | Co-Founder
Kem Kemal CEO & Co-Founder of Henry Dannell

Kem’s visionary leadership extends beyond the company’s external endeavours. A true advocate for nurturing internal talent, he places paramount importance on supporting the staff within Henry Dannell. Recognising that a strong, motivated team is the cornerstone of success, Kem has pioneered initiatives that foster professional growth, skill enhancement, and a sense of belonging among his employees. This commitment to the development of his team transcends traditional leadership, elevating Henry Dannell’s working culture to one of collaboration, innovation, and shared achievement.

In addition to his dedication to the team, Kem is a cultivator of strategic relationships. Leveraging his extensive experience and industry insight, he has established new partnerships and collaborations that have propelled Henry Dannell to new heights. Through these connections, he has not only expanded the business’s horizons but also unlocked fresh opportunities that align with his innovative approach to client service and solutions.

As the architect of the company’s success, Kem’s role goes beyond day-to-day operations. His strategic foresight and calculated risk-taking allow him to navigate uncharted waters with confidence, consistently identifying emerging trends and potential avenues for growth. This innate ability to foresee industry shifts and seize advantageous positions solidifies his reputation as a true visionary, with Henry Dannell benefiting from his unmatched guidance.

Kem’s leadership leaves a lasting legacy, ensuring Henry Dannell’s ongoing growth and evolution. His fusion of innovation, expertise, and unwavering dedication to client success is magnified by his commitment to nurturing staff potential and fostering strategic alliances. As he steers the ship into unexplored waters, his stewardship will undoubtedly shape the company’s trajectory, leaving an indelible mark on the industry.

Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.
Geoff Garrett
Co-Founder | Specialist Debt Adviser

With over two decades of experience in the financial industry, Geoff Garrett stands as a seasoned expert and orchestrator of key alliances in the world of HNW private client finance.

Geoff co-founded Henry Dannell, a specialist mortgage brokerage renowned for providing bespoke financial solutions. Henry Dannell began with a deep-seated belief that the world of HNW clients was profoundly underserved. Geoff’s vision was clear from the outset: to create a brokerage that would be the nexus for crafting bespoke financial solutions for individuals with intricate financial profiles. With this, Geoff has redefined the landscape for HNW clients, creating intricate financial networks and fostering strategic relationships.

His multifaceted skill set and dedication to his clients have earned him a reputation as a true connector, opening doors and building relationships between HNW clients, professional introducers, and banks. With his specialist knowledge of complex cases and unique debt situations, Geoff’s expertise makes him a trusted partner to major credit houses, wealth managers, trust companies, and solicitors, serving as a crucial link between these two distinct worlds.

As the Specialist Debt Adviser, Geoff plays a pivotal role in crafting a holistic financial ecosystem that transcends conventional boundaries.

Skills & Approach


Building Collaborative Partnerships

For Geoff, building relationships is much more than a series of business transactions; it’s about cultivating long-lasting, trust based relationships that result in a beneficial outcome for all parties and ultimately secure client success.

Geoff’s commitment to nurturing relationships means he invests time and effort in building strong foundations based on mutual trust and collaboration. A partnership for Geoff is not just about achieving a singular goal or transaction; it’s about creating enduring, symbiotic relationships. This dedication results in partnerships that withstand challenges, evolve, and ultimately contribute to long-term success.

His approach distinguishes him as a leader in this field, where he actively seeks out professional introducers, lenders, and other key industry stakeholders. He acknowledges their pivotal roles in delivering precisely tailored financial solutions to HNW clients.

The result of Geoff’s approach is the creation of a dynamic network of interconnected professionals. These individuals work seamlessly to provide HNW clients with specialised and intricately tailored financial solutions.

Client-Centric Focus

Geoff ensures that every solution is not a one-size-fits-all approach but a bespoke offering tailored to address the unique financial profiles of his clients.

The outcome of this approach is an exceptional level of client satisfaction and loyalty. HNW clients benefit from solutions that are exquisitely designed to align with their individual goals. In turn, this approach solidifies Geoff’s reputation as a trusted and respected advisor in the realm of HNW financial services.

Financial Acumen

Geoff has a profound understanding of the financial industry and a keen awareness of market trends. He goes far beyond the basics, delving deep into the intricacies of the field. His expertise ensures that he remains up-to-date with the ever-evolving economic landscape.

Geoff’s commitment to staying current with changes in the industry is not a passive endeavour; it’s a proactive effort to ensure that his advice is consistently relevant and effective for his clients. This knowledge positions him as a trusted advisor, always ready to provide the most informed guidance to his clients.

Innovation-Driven Collaborations

Geoff is committed to keeping financial solutions for HNW clients at the forefront of technological advancement. Geoff firmly believes that integrating innovative technologies is essential for enhancing the quality and efficiency of HNW financial solutions.

Geoff’s promotion of innovation extends beyond a mere endorsement; it is a proactive effort to embrace and leverage cutting-edge technologies. He remains deeply engaged in exploring new trends, tools, and methodologies that can revolutionise the financial industry, particularly for HNW clients.

Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.
Lily Brunning
Head of Marketing

Lily joined the Henry Dannell team as the head of marketing, with a focus on innovatively developing brand awareness and driving new business. She has a wealth of experience in sales and marketing within the property industry, having worked with Savills for over 7 years.

This experience has equipped her with a broad understanding of the business, developing compelling marketing strategies tailored to engage a particular target demographic. Lily is passionate about creatively portraying our ethos, values, and knowledge to better inform and engage our target audience with the services we provide.

Lily’s role is centred around positioning Henry Dannell as a trusted financial partner and advisor by showcasing our unique value proposition built upon trust, transparency, and reliability. Lily continuously refines our approach to ensure our marketing efforts remain agile and impactful.

Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.
Andrea Demetri
Business Coordinator

The role of a Business Coordinator is pivotal in orchestrating seamless operations and facilitating growth. Within the Henry Dannell team, Andrea’s position as a Business Coordinator is characterised by a diverse range of responsibilities that significantly contribute to the company’s overall success and expansion. Her role acts as a vital link between different teams, ensuring effective communication and collaboration throughout the business.

Her prior experience in Wealth Management equipped her with the ability to keenly observe details, communicate effectively, and grasp the intricate dynamics of the financial sector. These competencies provide Andrea with a solid foundation to further develop and effectively support the business.

Andrea is instrumental in devising innovative approaches to enhance our operational functions and solidify our position as a trusted partner in the industry. Her role is pivotal in the company’s mission for growth and to further elevate Henry Dannell’s standing in the financial services landscape.

Key Skills



Andrea approaches challenges with a solutions-oriented mindset, crafting innovative strategies to overcome obstacles and maintain project momentum.

Time Management

Andrea plays an instrumental role in overseeing that business objectives and targets are achieved by setting deadlines and ensuring timely follow-ups.


Andrea demonstrates a remarkable capacity to swiftly adapt to changing circumstances and goals, consistently prioritising the business’s objectives.


With responsibility for managing multiple tasks and projects concurrently, Andrea’s meticulous attention to detail guarantees seamless project execution without oversights.

Team Collaboration

Andrea actively supports cross-functional team collaboration, ensuring coordinated efforts for seamless operations.

Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.
Stephen Bourke
Senior Mortgage and Protection Adviser

Stephen is a highly accomplished Mortgage and Protection Adviser with over five years of experience in the industry. He specialises in assisting clients with Residential mortgages, Later Life mortgages for individuals aged 55 and over, and personal & business protection insurance.

Stephen’s meticulous attention to detail and in-depth understanding of complex income structures enable him to provide personalised mortgage solutions for each client, and carefully researched protection plans to ensure both family and debt are sufficiently insured. With a combination of expertise and exceptional customer service skills, Stephen is a reliable and trusted partner for clients seeking guidance through the mortgage and protection process.



Complex Income Analysis

Proficient in evaluating intricate income structures, including self-employment income, variable bonuses, and commissions, to accurately assess borrowing capacity and secure suitable mortgage options.

Client Relationship Management

Demonstrates a strong focus on building and maintaining long-term client relationships through exceptional communication skills, trustworthiness, and a genuine commitment to client satisfaction.

Attention to Detail

Possesses a meticulous approach when reviewing financial documents, ensuring accuracy and completeness in the mortgage application process and researching of appropriate insurance policies.

Market Knowledge

Keeps well-informed of industry trends, mortgage products, insurance contracts and regulatory changes, enabling the provision of informed advice and recommendations to clients.



Tailoring Solutions

Stephen takes the time to understand his clients’ circumstances and objectives and customises mortgage and protection solutions to match each clients’ financial situation, lifestyle, and long-term plans. By taking a holistic view of their needs, he ensures that the advice he provides is in harmony with their broader financial goals.

Navigating the Emotional Journey

Purchasing a home or dealing with complex financial decisions can be emotionally taxing. Stephen recognises the emotional aspect of his clients’ journeys and offers compassionate support throughout the process.

Simplifying Complex Financial Concepts

Financial jargon and complex mortgage terms can be overwhelming for clients. Stephen excels at translating these concepts into simple, understandable language. He patiently walks clients through each step of the process, ensuring they have a clear understanding of their options.

Proactive Communication and Follow-Up

Stephen believes that effective communication is the foundation of a successful Client-Adviser relationship. He keeps clients informed at every stage of the mortgage process, promptly addressing any queries or concerns they may have. He maintains regular follow-ups to keep track of their evolving needs and to provide ongoing support.

Stephen’s commitment to his clients extends beyond the transaction. He remains a dependable resource for any financial enquiries they may have, offering guidance on refinancing opportunities, home equity management, and other related matters. His personalised service ensures that clients’ feel supported throughout their entire homeownership journey.

Professional Certifications


  • Certificate in Mortgage Advice & Practice – London Institute of Banking & Finance
  • Certificate in Regulated Equity Release – London Institute of Banking & Finance
  • Accredited Later Life Lending Professional – London Institute of Banking & Finance
Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.
Charles Alexander
Mortgage and Protection Adviser

Charles embarked on his journey in the financial services industry in 1995. Throughout the years, he has witnessed the industry evolve and adapt to changes in the mortgage market and the advice process. These valuable experiences have equipped Charles with a wealth of knowledge and expertise, making him a highly skilled adviser. Whether his clients are first-time buyers, experienced portfolio owners, or individuals seeking guidance for later life decisions, Charles is well-prepared to assist them on their financial journey.



Vast Knowledge of the Mortgage Market

With decades of experience, Charles possesses an in-depth understanding of the ever-changing mortgage market. He stays updated on the latest trends, products, and regulations to provide clients with informed and up-to-date advice.

Comprehensive Protection Solutions

Charles is passionate about safeguarding his clients and their families against unforeseen events. He offers comprehensive protection solutions tailored to each client’s unique needs and circumstances, ensuring their financial security and peace of mind.

Diverse Clientele Expertise

Charles has a diverse range of clientele, including professionals in legal, property development, medical fields, business owners, and TV executives. This diverse exposure has deepened his expertise, enabling him to cater to clients from various backgrounds and industries.

Tailored Solutions

Recognising that each client has unique financial goals, Charles tailors financial plans that align with their aspirations and long-term objectives. He takes a holistic approach, considering all aspects of their financial situation to develop personalised solutions.



Charles is dedicated to his clients’ financial wellbeing and security. His approach is characterised by:

Trust and Transparency

Charles builds strong relationships with his clients, taking the time to listen to their objectives and providing honest and reliable advice that is tailored to their best interests.

Ongoing Support

Charles’s commitment to his clients extends beyond the initial advisory process. He maintains regular contact, conducting periodic reviews to ensure their financial plans remain aligned with their changing needs and circumstances.

Proactive Education

Charles provides his clients with knowledge, educational resources, and guidance throughout their financial journey. By staying informed, clients are better equipped to make informed decisions and take charge of their financial future.

Compassionate Guidance

Charles provides compassionate support during significant life events, such as buying a first home, starting a family, or planning for retirement, helping clients navigate these transitions with confidence.

Professional Qualifications


  • Certificate Member of the Society of Mortgage Professionals (Certs CII MP & ER) – Chartered Insurance Institute
  • Certificate in Equity Release – Chartered Insurance Institute
  • Certificate in Financial Planning – Chartered Insurance Institute
  • Certificate in Life & Pensions – Chartered Insurance Institute
  • Certificate Member of the Personal Finance Society (CertPFS) – Chartered Insurance Institute
Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.
Jamie Roberts
Mortgage Adviser

Jamie has extensive experience in the mortgage industry and brings a wealth of knowledge and expertise to Henry Dannell. His extensive knowledge enables him to offer tailored mortgage solutions to clients from diverse backgrounds.

Jamie excels in assisting individuals with intricate financial circumstances, including those with complex income streams, asset-rich portfolios, or overseas investments. He has nurtured strong relationships with various market lenders, enabling him to find effective resolutions.

Jamie has experience working with a diverse range of client profiles, including:

  • Sporting Professionals
  • Musicians
  • Expats
  • Overseas Buy-to-Let (BTL) Investors
  • Entrepreneurs
  • Equity Partners
  • City Professionals in the Financial Sector


At the core of Jamie’s philosophy is delivering a seamless, stress-free experience for his clients. Leveraging his in-depth understanding of the lending market, he guides clients through each stage of their financial journey, ensuring the solutions offered align precisely with their unique needs and requirements.

In instances where clients haven’t secured placement with traditional high street lenders and necessitate alternative solutions, Jamie leverages his extensive network and relationships to source the most suitable options from a range of holistic lenders, and in some cases, private banks.



Financial Knowledge

With years of experience in the mortgage industry, Jamie has honed his financial acumen. He possesses a deep understanding of mortgage products, interest rates, and lending regulations, enabling him to provide clients with well-informed advice.

Personalised Approach

Jamie is committed to understanding the unique financial situations and aspirations of his clients. A personalised approach allows him to tailor mortgage solutions that precisely align with each clients’ goals.

Relationship Building

Jamie has cultivated robust relationships with a wide array of market lenders. These connections allow him to access a broad spectrum of lending options, including holistic lenders and private banks, providing clients with diverse choices.

Analytical Approach

Clients with complex income streams, substantial assets, or unconventional financial profiles often turn to Jamie for solutions. He excels in analysing intricate financial scenarios and devising creative strategies to overcome challenges.



Supportive Guidance

Jamie recognises that obtaining a mortgage can be a complex and overwhelming process. He guides clients through each step of the journey, providing clear explanations and support, making the process easy and stress-free.

Client Education

In addition to securing mortgages, Jamie educates his clients about their options, ensuring they have the insight to make the most informed decisions that align with their long-term financial goals.

Jamie’s skills and approach as a mortgage adviser converge to offer clients a combination of expertise, personalised service, and access to a wide array of lending solutions, ensuring that their mortgage needs are met comprehensively and effectively.

Professional Qualifications


  • Certificate in Mortgage Advice and Practice (CeMap)
  • Certificate in Financial Studies (CeFS)
  • Diploma in Financial Studies (DipFS)
  • 1:1 LLB (Hons) Law Degree
Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.
Hasan Acik
Mortgage Adviser

Hasan is a highly skilled bilingual mortgage adviser with extensive experience, dedicated to helping individuals and families fulfil their dreams of owning a home. With over 10 years of industry experience, he has established himself as a reliable source for clients seeking customised mortgage solutions that cater to their specific needs.

What sets Hasan apart is his unwavering commitment to delivering exceptional customer service. He takes the time to actively listen to clients to comprehend their financial objectives and tirelessly works to find the optimal mortgage solutions that align with their requirements and objectives. Hasan excels at simplifying complex financial concepts and effectively communicates them clearly and concisely, enabling clients to make confident and informed decisions.



Industry Expertise

Hasan possesses over 10 years of comprehensive experience in the mortgage industry, making him a seasoned professional well-versed in the intricacies of the market.

Market Savvy

Hasan keeps his clients well-informed about the dynamic mortgage landscape, including the latest market trends, regulations, and financing options.

Product Proficiency

Hasan boasts a profound understanding of a wide spectrum of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages, and refinancing options. His specialisation lies in residential and buy-to-let mortgages, having successfully assisted over 1,000 clients to date.


Hasan excels at simplifying complex financial concepts and articulating them clearly and concisely. His communication skills allow clients to make confident and informed decisions about their mortgages.

Commercial Property Finance

Hasan’s expertise extends to commercial property finance, where he has earned a reputation for providing expert guidance, fostering long-lasting relationships, and consistently surpassing client expectations.



Client-Centred Approach

Hasan’s differentiator is his unwavering commitment to providing exceptional customer service. He actively listens to clients, gaining a deep understanding of their financial objectives, and tirelessly works to find mortgage solutions that align seamlessly with their specific needs.

Ongoing Personal Development

Beyond assisting clients, Hasan remains proactive in staying abreast of industry trends and actively participates in ongoing professional development programs to refine his skills. His commitment to lifelong learning ensures that he is always at the forefront of the ever-evolving mortgage landscape.

Professional Qualifications

        • Certificate in Mortgage Advice and Practice (CeMap)


Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.
Lauren Kelly
Mortgage Adviser

Lauren is an accomplished Mortgage Adviser with over five years of experience in the industry. Throughout her career, she has honed her skills in various roles, developing a deep understanding of the mortgage process. Lauren is passionate about helping clients achieve their homeownership goals and secure their ideal financial future. Her skills ensure a seamless client experience.



Meticulous Attention to Detail

Lauren ensures accuracy and completeness throughout the mortgage application process, leaving no stone unturned in her research. She works tirelessly to find the best possible outcome for each client.

Building Long-Term Relationships

Lauren understands the importance of fostering strong connections. By consistently delivering results and exceptional service, she builds trust with clients.

Proactive Communication

Whether she’s working with a client remortgaging, a first-time buyer, or an introducer, Lauren keeps everyone informed throughout the process, ensuring a smooth and stress-free experience.

Trustworthy and Caring

Lauren’s deep understanding of the mortgage process and her genuine care for her clients foster a trusting and supportive environment. She recognises the significance of obtaining a mortgage and prioritises her clients’ needs throughout the journey.

Professional Certifications

  • Certificate in Mortgage Advice & Practice (CeMAP) – London Institute of Banking & Finance
Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.
Michelle Jerome
Mortgage Adviser

Michelle brings a wealth of experience and dedication to her role as a Mortgage Advisor at Henry Dannell. After nearly three years working alongside advisors, Michelle gained invaluable experience supporting clients and delivering a seamless and efficient service. Combining this with her previous experience as a Field Service Manager, Michelle has developed a comprehensive skillset that allows her to navigate clients through every step of the mortgage process with care.



Clear Communication

Michelle’s experience has honed her communication skills, allowing her to tailor updates to client and introducer preferences. She keeps everyone informed at their preferred pace and adapts her approach to fit their circumstances.

Attention to Detail

Having witnessed and participated in the intricacies of mortgage applications as an administrator, Michelle possesses a deep understanding of the process. This meticulousness translates into a superior client experience.


Michelle fosters strong relationships with clients and introducers by consistently delivering exceptional service and achieving successful outcomes.

Professional Qualifications


  • Certificate in Mortgage Advice & Practice (CeMAP) – London Institute of Banking & Finance


Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.
Matt Karagul
Specialist Finance Adviser

As a specialist finance adviser, Matt’s role requires a unique set of skills. With a driven and determined attitude, Matt delivers exceptional service and works to source the most suitable solutions for his clients, regardless of the complexity of their situation.

With an impressive 17-year tenure in the property industry, Matt possesses extensive knowledge in all aspects related to property and finance.

Matt’s expertise lies in the Commercial and Specialist Lending sector, particularly in dealing with high-net-worth clients. This has afforded him a profound understanding of the intricacies involved in specialist and structured finance. Matt firmly believes in offering tailored services and innovative solutions to assist his clients in achieving the most suitable outcomes.

With strong relationships within the specialist lending market and a reputable reputation, Matt excels in structuring debt in accordance with specific requirements. Whether it involves creating a custom facility or surpassing standard criteria, he ensures that the best possible solution is attained for each client.



Matt’s proficiency as a specialist finance adviser is underpinned by a comprehensive skill set that includes:

Financial Knowledge

Matt possesses a deep understanding of financial markets, lending products, and regulatory frameworks. This knowledge enables him to navigate complex financial landscapes effectively.

Analytical Expertise

He excels in analysing intricate financial situations, identifying risks, and crafting solutions that mitigate these risks while optimising outcomes for his clients.


Matt’s strong communication skills allow him to articulate complex financial concepts in a clear and accessible manner, fostering transparency and trust in his client relationships.


He is a skilled negotiator, adept at securing favourable terms for his clients when structuring financial agreements and working with lenders.



Tailored Solutions

Recognising that every client’s financial situation is unique, Matt begins by thoroughly understanding each client’s goals, constraints, and aspirations, allowing him to tailor financial solutions that align precisely with their needs.

Client-Centric Focus

Matt places the client’s best interests at the forefront of every decision. He strives to build enduring relationships based on trust, transparency, and unwavering commitment to achieving the client’s financial objectives.

Due Diligence

Matt conducts in-depth due diligence on lending products, lenders, and market conditions to ensure that the financial strategies he recommends are well-informed and robust.

Proactive Advocacy

Matt is a passionate advocate for his clients. He proactively negotiates with lenders, leverages his network, and explores various financial avenues to secure the most favourable terms and conditions.

Matt’s skills and approach as a specialist finance adviser converge to create a client-centred, solutions-oriented, and results-driven advisory service, making him a trusted partner in navigating the complexities of the financial world.

Professional Qualifications


  • Certificate in Mortgage Advice and Practice (CeMap)
    • The London Institute of Banking and Finance
Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.
Andrew Christodoulou
Specialist Finance Adviser

Andrew is a valuable addition to Henry Dannell’s mortgage team. His expertise lies in navigating the intricacies of the commercial mortgage industry and supporting clients to find the most suitable financial solutions for their needs.

With more than 8 years of experience in the financial industry, Andrew has built a solid foundation in administering mortgages and has honed his skills in managing complex mortgage cases. This extensive background has equipped him with a deep understanding of the industry and the nuances of mortgage applications providing him with the expertise to address diverse client needs.



Handling Complex Scenarios

Throughout his career, Andrew has managed various mortgage transactions, including residential purchases, remortgages, and more complex scenarios. He has successfully assisted larger portfolio clients seeking buy-to-let or bridging loans, demonstrating his versatility and adaptability in tailoring solutions to different requirements.

Comprehensive Knowledge

Andrew’s vast experience in the mortgage industry has endowed him with a wealth of knowledge and insights. This expertise allows him to navigate through the complexities of the mortgage market and provide well-informed advice to his clients.



Exceptional Client Experience

Andrew is dedicated to providing his clients with an exceptional experience throughout the mortgage advisory process. He understands the significance of this financial decision in their lives and works diligently to ensure they feel supported and well-cared for at every step.

Tailoring Solutions

One of Andrew’s key strengths is his ability to tailor mortgage solutions to meet the specific circumstances and objectives of his clients. Whether it’s first-time buyers, property investors, or those seeking refinancing, Andrew strives to find the most suitable and personalised mortgage options.

Professional Certifications


  • Certificate in Mortgage Advice & Practice – London Institute of Banking & Finance
Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.
Stephen Savill
Later Life Mortgage Adviser

Stephen specialises in providing financial options tailored for clients aged 55 and above, enabling them to raise capital secured against their homes. His pragmatic approach typically centres around challenging client assumptions to suggest alternative, cost-effective solutions that avoid incurring debt. However, if a loan proves to be the optimal choice, his aim is to secure the most advantageous terms for clients while minimising expenses.

As a Later Life Lending Professional accredited by the London Institute of Banking and Finance (LIBF) and the Society of Later Life Advisers (SOLLA), Stephen offers a discreet and objective service with access to the whole market. His exceptional communication skills empower clients by simplifying intricate financial concepts and enabling them to overcome preconceptions, make informed choices and achieve their desired outcomes.

With much of his career spent in Financial Services as a trader and portfolio manager in the City, Stephen possesses an acute awareness of the enduring impact of short-term decisions concerning finances. Given that Later Life mortgages represent a long-term financial commitment, Stephen’s recommendations prioritise incorporating as much flexibility as possible to navigate any unforeseen future events that may arise.



Financial Analysis

Stephen accurately assesses his clients’ financial situations and recommends suitable alternatives, mortgages or equity release products tailored to their needs. Part of Stephen’s process includes visiting his clients’ homes, with all beneficiaries of their estate welcome to attend to ensure the solution aligns with their objectives.

Regulatory Knowledge

Stephen maintains a deep understanding of financial regulations relevant to Later Life lending. As a member of the Equity Release Council, he ensures that regulations and standards are met to safeguard his clients.

Empathy and Patience

Stephen recognises the emotional nature of financial decisions in later life where property is concerned, and provides the support and understanding his clients need to make informed choices.

Product Knowledge

Stephen possesses extensive knowledge of all Later Life products, including Lifetime mortgages, Home Reversion schemes, and Retirement Interest Only mortgages.



Holistic Assessment

Stephen takes a comprehensive approach to client assessment, considering not only their immediate financial needs but also their long-term goals, plans for retirement, and estate planning.

Client-Centred Approach

Stephen always prioritises his clients, ensuring that his recommendations align with their circumstances and objectives.

Ethical and Responsible Advice

Stephen ensures his clients understand both the benefits and potential risks associated with Later Life lending products.

Education and Transparency

Stephen educates his clients about the various options available, the implications of their choices, and the associated costs. Transparency is a fundamental principle of his practice.

Long-Term Relationship Building

Stephen builds trust through long-term relationships with his clients. He remains available for ongoing support and advice, long after the initial transaction is completed.

Stephen’s expertise and professional approach as a Later Life Mortgage Adviser mirror his personal values. His commitment to his clients’ well-being and his dedication to ethical, transparent, and personalised service make him a trusted partner for those seeking guidance with their later life financial decisions.



  • Certificate in Mortgage Advice and Practice (CeMAP)
  • Certificate in Regulated Equity Release (CeRER)


Accreditations and Memberships


  • London Institute of Banking and Finance (LIBF) Later Life Lending Professional
  • Society of Later Life Advisers (SOLLA) Later Life Lending
  • Member of the Equity Release Council
Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.
Baris Dogan
Marketing Coordinator

Baris plays an integral role in supporting the Henry Dannell marketing team. His academic journey culminated in the attainment of a First-Class Honours degree in LLB Law from the distinguished University of Kent, a feat that was underscored by his receipt of the esteemed Herbert Smith Freehills Prize. This accolade serves as a testament to Baris’s commitment to excellence.

Baris’s professional background has endowed him with the opportunity to engage with a diverse array of clients, notably those with high net worth. This exposure has provided Baris with an acute understanding of the behavioural patterns and interests intrinsic to this specific clientele. Such insights are instrumental in crafting marketing messages that resonate effectively.

One of Baris’s standout traits is his remarkable attention to detail. This quality, coupled with his interest in the realms of corporations and finance, positions him perfectly to contribute his skills to the marketing team’s endeavours.

Despite his already impressive skill set, Baris remains resolutely committed to personal and professional growth. He approaches his tenure at Henry Dannell with an unwavering eagerness to embrace novel challenges and expand his skills.

Professional Qualifications:


  • LLB Law (First Class Honours) – University of Kent
  • Herbert Smith Freehills Prize recipient


Baris’s multifaceted background, academic achievements, and remarkable attention to detail make him an invaluable asset to the Henry Dannell marketing team. His commitment to continuous improvement ensures that he will make enduring contributions to the company’s success.

Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.
Ellis Piggot

Ellis joined the Henry Dannell team as an administrator. Having worked within the mortgage industry for the last five years as an experienced administrator, she plays a fundamental role in the processing and completion of cases. She works closely with advisers and external stakeholders to ensure efficient service to clients.

Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.
Sarah-Jane Creasy

Sarah-Jane joined Henry Dannell as an apprentice paraplanner, where she has taken her first career steps in the multifaceted world of mortgage lending. Passionate about finance and committed to excellence in customer service, Sarah-Jane became a part of the team after excelling in her A-Levels.

Under the guidance of Courtney Flockhart, Sarah-Jane has been immersing herself in the dynamics of mortgage processing, compliance, and financial analysis. Her role entails comprehending the intricate regulatory landscape and providing essential administrative support to Courtney.

Sarah-Jane’s meticulous attention to detail and her ability to perform under pressure have rapidly established her as a valuable asset to the team. Her apprenticeship is designed to provide hands-on experience and insight into the industry’s best practices, along with furthering her education through relevant qualifications.

Email communications are not secure and for this reason, Henry Dannell Private Clients Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.

Our Services

Case Studies

Market News & Insights

Spring Budget 2024: Understanding the Property Market Impact

A raft of changes will affect landlords and property portfolios Chancellor Jeremy Hunt’s Spring Budget announcement was eage...
Read More

New Optimism for a New Year

Economists join growing chorus of cautious hope for the months ahead The beginning of a brand-new year has seen lots of opti...
Read More
See all our latest blogs and news stories