THE TEAM
MANAGEMENT
PAUL KERMATH
CeMAP
CHIEF EXECUTIVE OFFICER
FINANZE LTD
ANDY KEEHNER,
CeMAP
MANAGING DIRECTOR,
PROPERTY FINANCE
MARK COOPER
MANAGING DIRECTOR
BUSINESS FINANCE
Paul is a finance specialist, with an extensive career spanning over two decades in banking, mortgage, investments, bridging, and development finance. He is known and respected for his no-nonsense approach and plain speaking when it comes to simplifying this often-complex industry.
For the first twelve years of his career, Paul honed his expertise as a mortgage professional, distinguishing himself as both a broker, manager, and owner of reputable brokerage firms. During this period, he developed a comprehensive understanding of the industry, further solidifying his reputation as a trusted adviser.
In the subsequent nine years, Paul worked in Bridging and Development Finance, with six years of this operating as a Business Development Manager to several prominent lending institutions. His invaluable insights, innovative approach and ability to deliver results made him a sought-after authority in the field.
Paul's unwavering commitment to excellence, deep industry knowledge, and enviable skillset make him a trusted source in the complex world of financial services. His clients benefit not only from his vast experience and extensive connections built up over decades in the industry, but also from his ability to create results in a continually challenging and changing landscape.
IMOGEN SPORLE,
MLIBF CeMAP
MANAGING DIRECTOR
SAMANTHA DEMUTH,
CeMAP
DIRECTOR & HEAD,
TERM FINANCE
MARK MUSLEK
MLIBF CeMAP
DIRECTOR,
BRIDGING & DEVELOPMENT
RACHEL SANTOS
ASSOCIATE DIRECTOR,
CASE MANAGEMENT
Andy is an experienced specialist property finance professional, CeMAP qualified to offer regulated mortgage advice. He has extensive experience within challenger banks and institutionally funded lenders and a detailed understanding of how they work, what they require and their credit process.
He has been dealing with brokers and direct clients for over 20 years and has developed a keen eye for meeting their needs. With a real focus on customer care, Andy's reputation for building and maintaining long-term relationships is what makes him a key part of every client's power team.
Beyond brokering or liaising with lenders, Andy works collaboratively with clients, guiding and advising them from project inception to completion. Providing essential support including assessment, research, appraisal and viability, Andy has enabled clients to confidently present and market their opportunities to investors and buyers.
Completely at home and unfazed by large and complex developments such as a £50 million multi-unit housing plan, Andy is equally happy to help new starters and smaller-scale investors with more modest projects.
Andy has worked with prestigious banks and institutions such as Catalyst Property Finance, Cynergy Bank Oblix Capital and United Trust Bank, Future Mortgages (Citigroup)
With over 25 years of diverse experience in the IT sector, beginning as an analyst and programmer, Mark climbed the corporate ladder to Managing Director, running multiple companies. During this time, he ventured into the world of property investment, purchasing his first property in 2003.
However, in 2017, Mark embarked on a new chapter, leaving the IT industry to join a private lender, driven by a vision of making property his lifelong career.
Over the last six years, Mark has not only thrived with two different lenders but has also grown an extensive professional network. His involvement in multiple commercial conversions and five aparthotel projects has furthered his experience in the sector.
Mark's accomplishments also extend to raising over £3 million in private equity, demonstrating his ability to bring ambitious real estate projects to fruition.
What sets Mark apart is his unique dual perspective as both a lender and a developer/landlord. This vantage point allows him to understand the distinct needs and requirements of all parties involved, placing him in an exceptional position to provide funding solutions that cater to every individual's aspirations and goals.
Mark Muslek has successfully merged his IT expertise and real estate passion into a dynamic and forward-thinking career. His journey is a testament to what can be achieved when passion and expertise combine.
Rachel started her career working in retail, within account management and billing before moving into IT help desk support. Following which she worked in the property sector focusing on the sourcing new properties for investors, along with reaching out to owners to find properties for sale. Graduating with a degree in Programming and with further qualifications in Computer Hardware Servicing, her strengths have always been a methodical attention to detail and the ability to streamline business processes.
Working as the Administration Manager for Finanze, she oversees the Case Management team, designing and managing the onboarding process for all new customers. This ensures that new clients get the best possible service all throughout their transactions with us. For returning customers she continues to look after them, ensuring documentation is up to date and accurate and assists the business team with submitting applications to lenders. She also plays an important role in ensuring we remain compliant with the rules and regulations of both our network and the Financial Conduct Authority.
Samantha, or Sam as she prefers to be known, started her career in financial services in 1997 joining Halifax as a Personal Banker and Trainee Mortgage Adviser. She then moved across to UCB Home Loans initially as a Mortgage Adviser, where she obtained her CeMAP, before transitioning into a Business Development Manager managing the firms broker networks for the next 5 years. With being so highly respected, one of her broker firms, Mortgage Eye, ended up approaching her about a role, working as an independent ‘whole-of-market’ broker for them which she chose to pursue.
As a result of the global financial crisis she decided to refocus her energies on a new career in technology within media and advertising where she worked for over 10 years with Mediaocean. She managed a portfolio of key agencies and business partnerships that made up over 60% of their EMEA business, offering outstanding client service through strategic planning, capturing business needs through successful delivery and ongoing support along with technical problem solving and coordinating software testing. She was also responsible for managing a team of 6 reports.
She returned to finance and mortgage advice in April 2021. She has developed a keen interest in property investment during the pandemic and wanted to move back to the industry. She setup her own firm, Native Mortgages as an AR of Linear and progressed through achieving CAS status. She joins Finanze at a period of exception growth of the brand and is looking forward to helping make people’s property dream a reality. Alongside her passion, experience and skill she is an expert problem solver. She never looks at a transaction as a ‘one-off’ instead preferring to understand her clients motivations, aspirations and needs to plan for a long term synergistic relationship.
In her free time, she has a keen interest in renewables, wellbeing, nature and the community with a desire someday to build inspiring, community- led energy efficient villages, that are multi-generational, with family and community at their heart.
Imogen began working in Mortgages in 2019 after realising, when purchasing her own home, she had no idea how to even begin a mortgage process and who to ask and even after a lot of research on the internet was no wiser. She began working with a local mortgage broker providing tailored advice for high-net-worth clients when purchasing their residential properties. Imogen gained further experience working in the Buy to let and commercial mortgage space learning invaluable information regarding different lenders criteria’s and what boxes they want ticking.
Imogen then moved to Connect Mortgages where she was able to offer advice on all types of mortgages. She was therefore able to combine her skills to offer her clients the full service, taking into account their entire portfolios including any residential properties, in order to provide a tailored solution for their needs. She brings all of this experience to Finanze.