Meet The Team

Geraldine Williams (Gez)

Geraldine Williams (Gez)

Director (CeMAP)

Geraldine one of the 2 directors 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 over 20 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 ...

Brett James (Brett)

Brett James (Brett)

Director (CeMAP)

Brett is the other director 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 De Groot (Tracy)

Mortgage and Protection Advisor (CeMAP)

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 ...

Amy Norman (Amy)

Amy Norman (Amy)

Mortgage and Protection Advisor (CeMAP)

Amy has been a qualified mortgage adviser since November 2018 and has recently made the move back to her roots in the Milton Keynes/Northampton area, after living in Yorkshire for 5 years. After a great 9 year career in estate agency, Amy decided to have a change in direction, by going down the mortgage advice route instead. With 9 years experience of selling properties and extensive knowledge in the buying process, Amy has been able to help clients through the sometimes daunting process. Amy has a real passion for helping people and making sure they feel comfortable with everything. In her spare time, Amy loves holidaying, cooking and being around her friends and family. She also ...

Nicholas Lamb (Nick)

Nicholas Lamb (Nick)

Mortgage and Protection Advisor (CeMAP)

Nick lives in Tamworth with his long term partner and he has 2 children. Nick passed his CeMAP exams in 2018 and he also holds the CeRER certificate in equity release. He has been involved in financial services since 2003. This has given him an extensive knowledge of the mortgage industry and property market. Having previous underwriting experience and dealing with high volumes of mortgage applications, has set him in good stead to be an excellent mortgage broker as he is able to use this knowledge to help his clients. More recently, Nick has been involved with estate agencies as he owns his own estate agency. Nick is very personable, down to earth and hard working and will always go the extra mile to ensure his clients are happy, looking for the most positive outcomes. When he is not working, he loves holidaying, which has earned him the nickname, Alan Wicker amongst his friends. He is a huge foodie and ...

Carl Smith (Carl)

Carl Smith (Carl)

Mortgage and Protection Advisor (CeMAP)

Carl is married with two children and lives in Kenilworth, Warwickshire. He has been a qualified as a Mortgage and Protection advisor (CeMAP) since 2019 and successfully passed his level 3 certificate in Regulated Equity Release (CeRER) in Jan 2020 after the new regulations were introduced at the start of the year. Originally from a marketing background, working with clients in the financial services industry including Nationwide Building Society, Equifax and Experian, Carl wanted a career change so moved into financial services as an advisor and loves it! Carl has earned a great reputation for himself by working hard to build strong and trusted relationships and delivering a great service that focus on the needs of the customer. In his spare time, Carl loves having a good laugh with friends and family and enjoys family holidays in the sun. He loves anything to do ...

Jayne Woodcock (Jayne)

Jayne Woodcock (Jayne)

Administrator (CeMAP)

Jayne is our Administrator at Bubble Finance and has many years of experience within the financial industry. With a history of 23 years at Nationwide Building Society and 9 years working at an IFA company, she has gained extensive knowledge of the day to day aspects within this sector. Jayne has progressed through her career, moving through roles such as; Mortgage Advisor, Mortgage Underwriter and Branch Manager. In her spare time, Jayne loves to watch football and enjoys holidays in the sun ...

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