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Support from Our Leading Industry Experts

The Needham Mortgage Centre team is a comprised of some of our most experienced advisers:

Phil Scott the mortgage centre
Phil Scott

Phil has worked in the financial services industry since 1992, having started with a large insurance company. He went self employed in 1996 as an Independent Financial Adviser before setting up his first company, Needham Market Home Financial in 1999.

After four years, he decided to concentrate solely on mortgages and related insurances, and The Mortgage Centres was born. Since then, Phil has been influential in the opening of several new offices as the business continues to grow.

John Pollard the mortgage centre
John Pollard
Mortgage Adviser

John joined the company in June 2003 and has held a number of different roles during this period. This means that as well as being very experienced advising customers on their individual requirements he also understands the administrative side of the mortgage application process.
John first started advising in our Leiston office but now covers this and the surrounding area from our Needham Market office whilst still regularly visiting customers for pre-arranged appointments in our Leiston office.

Graham Denny the mortgage centre
Graham Denny
Mortgage Adviser

Graham has been in the industry since the early 1970’s, initially working for Britannia Building Society for 20 years. He then joined Suffolk Insurance Services, the mortgage subsidiary of Carter Sadler Estate Agents, and worked for them until 2005.

He then took over the running of the client bank and set up his own company, Ipswich Mortgage Services Ltd, before joining Needham Mortgage Centre in September 2013.

He has vast experience and knowledge of the mortgage industry, which he uses to help clients obtain the mortgage that best suits their needs.

James Rice the mortgage centre
James Rice
Mortgage Adviser

James began advising customers on their mortgages in 1997 when working for a local building society. Whilst there, he also spent time processing applications which gave him a good understanding of what is required to make sure the process runs smoothly.

After 2 years advising in an Essex-based estate agency he joined Needham Mortgage Centre in 2003. Whilst with the company, he has built up a large bank of clients, mainly via excellent word of mouth from previous customers. James is also a Director at the Sudbury office.

Rachel Woodward the mortgage centre
Rachel Woodward
Mortgage Adviser

I came into the industry in 2007 having left a job as a claims handler for an insurance company. I started as an admin assistant at Ipswich Mortgage Services for my Dad, Graham Denny. I took my qualifications whilst being immersed in the daily running of the business and qualified in 2008, going on to juggling a dual role of advising and administration.

I stayed with the business until 2011 when I left to gain a new perspective, working for Barclays as a mortgage adviser. I enjoyed my time with the bank, and it has certainly given me a different outlook, as I often found myself having to think outside the box to help my customers. It also reminded me of the value of insurance, ensuring customers protect their homes and lifestyles should things not go to plan.

Niki Rowlands the mortgage centre
Niki Batley

Niki joined The Mortgage Centres in October 2007 straight from university. As a member of the administrative team she has gained a greater knowledge and understanding of the mortgage industry. She enjoys supporting our mortgage advisers and working with our clients to make sure they are always looked after to the best of her abilities.

Laura Meale the mortgage centre
Laura Meale

Laura joined The Mortgage Centres in September 2016 as a member of the admin team and has since gained a greater understanding of the process, helping her to speak to clients, lenders and solicitors. Before joining the team, Laura gained five years’ experience working in admin with her previous job.

Tracy Lucas the mortgage centre
Tracey Lucas
Equity Release Specialist

Based in Needham Market, Tracey has been a financial adviser since 1994 and is an Equity Release scheme specialist and is a member of the Society of Mortgage Professionals. Tracey draws on a wide scope of experience from previous work for two major banks and a national firm of accountants, where she learned a love of helping mature clients to lead happier lives through well-organised finances.

Tracey is a member of the Equity Release Council, and as such is a standard bearer for an ethical and empathic approach to providing financial products and services. She has a passion for great customer service, loves to get to know her clients well and truly cares about the people she helps.

Maxine Smithen the mortgage centre
Maxine Smithen
Equity Release Adviser

Maxine started working in the Mortgage Centre in 2010 dealing with Compliance and Human Resources for the whole of the group, which has given her an excellent understanding of  clients’ needs and procedures. Wishing to advance her career she combined studies and work to gain her Mortgage and Equity Release qualifications. She now works alongside Tracey Lucas as an Equity Release Adviser.

Gordon Funnell the mortgage centre
Gordon Funnell
Compliance Manager

Gordon joined the business in June 2017 and has nearly 40 years’ experience in the financial services industry. He is responsible for the compliance of the company which includes the auditing of the advisers’ activity. All business is conducted under the regulation of the Financial Services Authority and it is Gordon’s remit to ensure that any mortgage, life assurance or any other related arrangement is written in the correct manner. He will always apply the Principal of “Treating Customers Fairly” throughout any activity with our clients.

Rebecca Downie

Rebecca joined the Mortgage Centres in July 2018 as a member of the admin team and since has gained a better understanding and interest in the mortgage process. She is currently studying to become a mortgage adviser and will be taking her CeMaps shortly.

David Marcer
Mortgage Adviser

David joined The Mortgage Centres in 2020 after a 20 year career in the retail and telecoms industry. Having completed his CeMAP qualification he is excited about being able to help his clients at every stage of their mortgage journey.

Mark Gardiner
Mortgage Adviser

Mark joined the company in July 2020 as a newly qualified mortgage adviser joining the administrative team to gain knowledge and experience in a new industry following a very successful role as a Retail Manager in Bury St Edmunds for the past 28 years. Mark brings a passion for offering fantastic customer service at all times and is looking to use his vast experience of advising customers to match their needs with the right products and services to establish a bond of trust and loyalty.

Emily Scott - the mortgage centre
Emily Scott
HR Manager

Emily trained as a Compliance Officer 18 years ago, working for a large national insurance company. She joined the firm in 2004, taking on the role of Compliance and HR Manager. As the group has expanded, she is now specialising solely in HR and in 2017 gained her HR Management Level 5 qualification through the CIPD.

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