Meet the Team
Meet Ashley
Director - Mortgage Adviser
After graduating from Liverpool John Moores University with a degree in Psychology and Criminology, I spent some time travelling, exploring America and Thailand, before settling in Newcastle upon Tyne to start my career in mortgages. Over the next 12 years, I gained extensive experience advising clients in both residential mortgages and estate agency before deciding to start a family business, Sib Smart Mortgages.
I love advising on mortgages, whether it is helping someone complete their first home purchase or their tenth. The thrill of helping clients secure the right mortgage never gets old, and I really enjoy meeting new people, building connections, and exploring new homes.
Outside of work, family is everything to me. I am a proud parent to a little boy and a little girl, and I cherish spending as much time as possible with them. When I do get some time for myself, I enjoy keeping fit with gym classes, booking holidays, and travelling, with Mexico being a recent favourite destination.
Meet Stephen
Director - Mortgage Adviser
After graduating from Liverpool John Moores University with a degree in Geography in 2014, I began my career with one of the UK's leading high street banks. Over the next four years, I built a strong foundation in financial services before qualifying as a mortgage adviser in 2018.
Since then, I've had the privilege of helping hundreds of clients navigate one of the most important financial decisions they'll ever make. Whether supporting first-time buyers, home movers, or those looking to remortgage, my focus has always been on providing clear, honest advice tailored to each client's individual circumstances.
During my time with the bank, I was recognised as one of its top-performing mortgage advisers nationally. This experience also allowed me to work closely with leading insurance providers, helping advisers across the country develop meaningful conversations around mortgage protection. I firmly believe that securing the right mortgage is only part of the journey - ensuring that your home, your family, and your financial future are protected is equally important.
My approach is built on trust, transparency, and long-term relationships. I understand that every client's situation is different, which is why I take the time to listen, explain every option clearly, and guide you through the process from application to completion. My goal is to make what can often feel like a complex process as straightforward and stress-free as possible.
Away from work, family is at the heart of everything I do. I'm a proud father to my son and daughter, and spending quality time with them is what matters most. I'm also a lifelong Liverpool FC supporter and season ticket holder. Whether I'm travelling to Anfield, following the team away, or playing 11-a-side football at the weekend, football has always been a big part of my life.