We are a diverse international team of professionals and advisers with international qualifications, based in Spain to be able to deal directly with the banks. We speak a wide range of languages including Spanish, Portuguese, German, Dutch, English, Polish and Danish. Our team is here to assist you with any questions you may have about mortgages in Spain or our services.
Bozena has lived in the UK for the last 20 years and during this time has worked in different roles in the financial services industry, in the accountancy and retail banking sectors and as a UK-qualified financial adviser. Bozena holds the CeMAP mortgage and FPC 1,2 & 3 financial advice qualifications. She is also a fully qualified AAT accountant. As well as speaking her native Polish, Bozena is also fluent in English and Russian.
Howard holds a degree in Modern Languages and Business. He has spent most of his career at a large Spanish bank. He initially worked as a branch manager looking after high-net-worth clients, offering finance solutions both within the UK and to UK based clients investing in Spain. He later worked as a Global Relationship Manager helping global organisations find local banking solutions worldwide. Although Howard is based in the UK, he spends a lot of time in Spain and is fluent in Spanish. He is currently studying towards his Cemap qualifications.
Jacqueline holds a Masters/MBA degree in International Business Administration and has a thorough background in finance and business. She previously worked for a well-known insurance company in Spain and is using her skills to grow Mortgage Direct’s Collaboration department and to advise clients on their mortgage needs. She is originally from the Netherlands, but having lived in Brazil and now Spain, she is fluent in several languages including Portuguese and German.
Business Development Adviser
Since he joined in early 2013, Jonas has been involved in the optimisation of all aspects of Mortgage Direct’s value chain. Jonas holds a degree in ‘Intercultural Marketing and Communication’, focusing on Hispanic markets, which has been complemented with work experience in the areas of digital marketing, sales, customer service and business development in diverse sectors, including NGOs, start-ups and corporates, such as Apple. He brings an innovative approach to the development of Mortgage Direct’s business model.
Joyce is a Canadian expat, living very happily on the Costa del Sol. She has lived in several places in Canada and the U.S.A. Joyce has extensive sales and client care experience in the medical device and pharmaceutical industries. She is in the process of finalizing her CeMAP mortgage qualifications. She is brushing up on the French that she learned in Canada and looks forward to taking up Spanish.
Founding Partner & Business Developer
Katherine has been living in Spain since founding Mortgage Direct in 2006. Prior to that, she had her own practice in London for 15 years advising high-net-worth clients on their investment and taxation planning and she still holds the FCA and UK mortgage qualifications. Her main roles are in advising clients and business development to ensure the company maintains its leading position in Spain.
Founding Partner & Mortgage Adviser
Kevin set up the business in early 2006 with the other founding partner Katherine Walkerdine. As well as specialising in mortgage advice for high-net-worth clients, Kevin also deals with the public relations side of the business which includes writing articles on the Spanish mortgage market. Prior to setting up Mortgage Direct, Kevin spent 11 years working in the UK pension industry, including 7 years as a consultant for Mercer, one of the world’s leading actuarial firms.
Melanie holds a degree in Economics and Accounting from the University of Reading, UK and has worked in London for a variety of insurance companies and consultancies. Since moving to Spain in 2005 she has become fluent in Spanish. She now divides her time between London and Valencia and assists our affiliates with the technical aspects of their collaboration with Mortgage Direct.
Simon has worked in the financial services industry in the UK for over 20 years. First as a mortgage adviser at Halifax Bank for 12 years in London and then as a regulated financial adviser for 3 years at the Lloyds banking group. Before joining Mortgage Direct, he was a self-employed mortgage and protection broker serving the whole of market of Berkshire in UK for five years. He holds the full CeMAP, CeFA and Level 4 diploma qualifications.
Victoria is a CeMAP and Level 4 Diploma qualified professional with over 15 years experience in financial services. Specialising in mortgage advice, Victoria has enjoyed a successful career in both the Retail Banking setting and as director of her own company, offering mortgage and protection advice from the whole of market. She now lives in Spain and is based in the Costa Blanca region.