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OUR People

Meet The Team

At Mortgage & Equity Release Advice, we are committed to providing expert mortgage and financial advice tailored to your needs. Our experienced team is here to support you every step of the way. We’re here to help, get in touch to see how we can assist you.

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Mortgage and Equity Release Adviser

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Caroline Heale

Hi, I’m Caroline. I have 18 years’ experience in Financial Services specialising in Mortgage Advice and Protection. I believe in being open and honest and will always strive to find the best mortgage option for you; my aim being to make your mortgage experience as smooth and stress free as possible, keeping you updated at all stages of the process. ​I have wide ranging experience including helping First Time Buyers, Next Time Buyers and Buying to Let, Remortgaging and extra borrowing for home improvements and debt consolidation, Sub Prime lending and Bridging Finance and will always have your best interests at the forefront of everything I do. Outside of work I live with my husband, Dave. We both love the outdoors, and long country or seaside walks with a picnic are often on the agenda when we both have the same day off. The long walks in turn compensate for my love of baking (I’m no Mary Berry but I’m surprised my husband is still as slim as he is!) and visits to the diverse food establishments that Bristol has to offer (a particular favourite is the street food on offer down at Cargo on the Harbourside). I am also a keen traveller and will be off to a far-flung place as soon as we are allowed.

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Mortgage and Equity Release Adviser

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Joanne Beale

Hi, my name is Joanne. I have worked within the Financial Services and the Accountancy industry for over 8 years in a variety of roles including Book Keeping, Marketing, Mortgage Adviser and Later Life Lending Specialist. Since moving to Mortgage and Equity Release advice, I have been able to help many clients with their mortgage needs. These have ranged from clients buying that first dream home, to finding mortgage for their forever home. Many of my clients are business owners looking for mortgage advice and I also spend a lot of my time working with older clients looking at later life and equity release borrowing. Outside of work, I am married and have two young children, so my weekends are taken up with running a busy family and a variety of pets.

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Mortgage and Protection Adviser

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Roxana Damacus

Hello! I’m Roxana, a dedicated adviser, with a passion for helping clients navigate the often complex world of mortgages. I understand that applying for a mortgage can be a daunting experience, and that’s where I come in. My role is to guide you through every step, ensuring you find the right mortgage solution that fits your needs and making the entire process as seamless as possible. I believe in providing honest, transparent advice with a strong focus on my clients’ best interests. My ability to explain complex information in a clear, straightforward manner ensures that you feel confident and informed at every stage. As a bilingual Mortgage Advisor (fluent in both English and Romanian), I’m able to bridge communication gaps and work more closely with clients from diverse backgrounds. This gives me a deeper understanding of their needs and helps me to tailor the best mortgage products for them. I specialise in helping first-time buyers secure their dream homes, advising existing homeowners on the best remortgage deals, guiding clients up the housing ladder, and ensuring families are well-protected with the right insurance plans. Outside of work, I enjoy traveling and spending quality time with my family, which keeps me balanced and energised to offer the best possible service to my clients. Let’s make your mortgage journey smooth and successful together!

Mortgage and Equity Release Advice is a trading style of Mortgage 1st Limited who is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered Office: 2 Napier Court, Gander Lane, Barlborough, Derbyshire, S43 4PZ.

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Mortgage and Equity Release Advice undertakes credit broking and is not a lender. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. We charge a broker fee. Depending on your circumstances, it will be a maximum of £595. You may have to pay an early repayment charge to your existing lender if you remortgage.

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Registered Company Number: 6552344 Registered in England & Wales

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

© 2026 Mortgage 1st Limited – All Rights Reserved.

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