Geraldine Williams (Gez)
Geraldine one of the 2 partners that runs Bubble Finance, is a married mum of 2 children
and lives in Burbage, Leicestershire. She has been a qualified mortgage adviser since
2012 and worked in the mortgage industry for just over 19 years. She started out her
mortgage industry career with Abbey National (now Santander) in 1999 within the
mortgage intermediary sales department. She completed her mortgage underwriting
qualifications with Abbey National and was responsible for running a team of
underwriters. She underwrote high volumes of applications from all kinds of applicants
on a daily basis. She moved from here in to the specialist lending market working with
lenders such as GE Money (First National and iGroup) and Lehman Brothers (SPML and
Preferred Mortgages). She is an experienced mortgage underwriter and this knowledge
has helped to make her a great, knowledgeable adviser as she understands what
lenders are looking for when assessing mortgage applications. Geraldine is very
personable and gets on well with all of her clients due to her vibrant nature and
In her spare time, she loves reading, socialising, holidaying and cooking, normally all of
the above with a glass of vino in her hand.
Brett James (Brett)
Brett is the other partner that runs Bubble Finance and he is engaged to his long-term
partner. They have 2 children and they live in Tamworth, Staffordshire. Brett and
Geraldine met on their first day together at Abbey National (now Santander) and they
have been friends ever since. Brett’s experience at Abbey National was identical to
Geraldine’s so they both have an excellent underwriting background.
When Brett left Abbey National he became a mortgage broker straight away and has gained an
excellent knowledge of the mortgage and protection market. Brett is a friendly character,
full of jokes and stories to tell but ever the professional when it comes down to ensuring
the right mortgage and protection advice is given. In his spare time, he loves his footie
and is a life-long Blues fan, he spends time with his young family and enjoys holidaying
in the sun.
Tracy De Groot (Tracy)
Tracy is married with two children and lives in Coventry.
She has been a qualified mortgage adviser since December 2000. She started her mortgage industry career with Cheltenham and Gloucester Plc as a mortgage adviser and underwriter. She also managed a team of advisers and mortgage processing staff. Tracy completed her Financial Planning Certificate in 2002 and become a Financial Consultant within Lloyds Bank selling pensions, investments and protection.
After having her children, Tracy worked part time for a financial adviser company in Coventry as a Compliance Officer. She also completed all mortgage administration and research on behalf of advisers so has an in-depth knowledge of mortgages.
Tracy goes that extra mile for her clients and has quickly built up a solid reputation for her work ethic.
In her spare time, she loves socialising with friends, spending time with her young family and walking her crazy cockerpoo dog, Ralph.
Rhiannon Tandy (Rhi)
Rhi has been a qualified adviser since 2016 and has worked in the Mortgage industry since 2012. She started out as a mortgage underwriter with Coventry Building Society in 2012 within the new lending department. After dealing with mortgage brokers on a daily basis, she realised that she wanted to be that broker and decided to study for the CeMAP qualification, so she could embark on a mortgage advising career.
Rhiannon also holds the CeRER qualification which is useful when it comes to clients that require later life lending.
In her spare time Rhiannon likes to spend time with her children, going on holidays and running.