0330 038 8941
Based in West-Byfleet
View locationChecks carried out by VouchedFor
FCA status: Certified by Firm
Last checked: 02 March 2025
Carmen is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Carmen's status
16
Recent Client Reviews
Verified reviews: 100%
Carmen has received 16 client reviews in the past 12 months; 100% of these have been verified
Independent Mortgage Adviser
Last checked: 26 January 2025
Carmen can advise across a wide range of mortgage products in the market. It is important to ask if Carmen checks lenders’ direct-only deals.
2
Qualifications Uploaded
2 qualification certificates available to view
Carmen has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Carmen has provided information on their typical fees
Carmen has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Checks carried out by VouchedFor
FCA status: Certified by Firm
Last checked: 02 March 2025
Carmen is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Carmen's status
16
Recent Client Reviews
Verified reviews: 100%
Carmen has received 16 client reviews in the past 12 months; 100% of these have been verified
Independent Mortgage Adviser
Last checked: 26 January 2025
Carmen can advise across a wide range of mortgage products in the market. It is important to ask if Carmen checks lenders’ direct-only deals.
2
Qualifications Uploaded
2 qualification certificates available to view
Carmen has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Carmen has provided information on their typical fees
Carmen has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
I am an enthusiastic and experienced Mortgage and Protection Adviser working across the residential and buy to let market. My main objectives as an adviser are: To provide bespoke advice to secure the most competitive and suitable mortgage and protection solutions tailored to each individual client To instil confidence and financial resilience by ensuring my clients continue to have the required understanding of mortgages and protection in an ever-changing world To remove stress by supporting and guiding my clients through the buying and re mortgage process from start to finish; whether that be going through all the finer details together, or simply building trust to take control of process My genuine determination to find the best possible outcomes means all the above comes naturally to me. My 10 years’ experience in the industry has taught me to adjust my way of advising and support to suit a variety of different situations and clients. It was once a dream of mine to make my way onto the property ladder. I now thrive on, and receive job satisfaction from, being able to help others achieve their personal property goals.
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
About Carmen's clients
Based on responses provided by clients who have reviewed this adviser
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Adviser Disclaimer
Xpress Mortgages Ltd is authorised and regulated by the Financial Conduct Authority. Xpress Mortgages Limited is registered in England and Wales with company registration number 5952968. Registered office: Dawes Court House, High Street, Esher, Surrey, KT10 9QD.