Emily Cuthbert
Mortgage and protection adviser
Emily helps first-time buyers understand what they could borrow and helps homeowners review their mortgage options. She also advises on personal and family protection.
Emily’s experience
Emily has worked in financial services since 2018. Her experience includes helping first-time buyers with affordability questions and homeowners arranging a remortgage or looking to release money from their property.
She enjoys the technical side of lending, particularly researching criteria for applications that aren’t straightforward. Alongside her mortgage advice qualification, Emily holds a law degree.
Areas of expertise
How Emily works with you
Emily starts by understanding what you need from your mortgage before making a recommendation. For someone buying their first home, that often means talking through what they could borrow and explaining how lenders assess their finances.
When an application is more complicated, she works through the information needed to support it. She wants clients to understand the options available and what they need to do next.
Qualifications
Certificate in Mortgage Advice and Practice (CeMAP)
LLB (Hons) in Law
How Emily helped a self-employed buyer
The situation
A self-employed buyer was unsure how lenders would assess their income and whether they could qualify for a mortgage.
The approach
Emily reviewed the client’s finances and income documents, identifying lenders whose criteria matched their circumstances.
Preparing the application
Emily helped the client gather the necessary documents and guided them through each stage of the mortgage application.
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