About us

At Nepcote Financial we pride ourselves in providing the very best mortgage advice. We are a small family run business where a friendly & efficient service is the priority for every client. We are a local firm based in Worthing but we also have clients across the UK & the world. You will get professional and up to date advice from our experienced, fully qualified & respected advisers who can look at the comprehensive range of mortgages, via the latest online mortgage sourcing facilities, to find the most suitable product for your personal circumstances.

Our advisers are supported by a very efficient & approachable administration team who are available to answer all your queries once the process is underway.  They will provide you with updates on the progress of your application to enable you to feel in control at all times.

We will spend time with you to ensure that the whole home buying or remortgage experience, from start to completion, is as smooth & straight forward as possible for you. We pride ourselves on the number of returning clients we have and the referrals we receive from those same clients.

Your property may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The precise amount depends on your circumstances but a typical fee on a residential mortgage would be £475.

Mark Baker - Nepcote Financial
Mark Baker
Mark is the company director (along with Mandy) and a fully qualified mortgage and protection adviser, who is able to give advice on residential and buy-to-let property transactions, together with the associated protection insurances.
Mark has had a successful career in the Financial Services industry over the last 24 years. This has been within his own company, Nepcote Financial, for the last 3 years and previously with Goldsmith and Company for 3 years and before that ‘@ Options Ltd’ and the Halifax.
Mark & Mandy have worked together for the last 22 years and have developed an excellent format over that time for ensuring their clients gets the best possible service. They also have 2 young children so have a busy home life too including various sporting activities & family time.
Email Mark | Call Mark on 01903 251053 or 07776 18755
Mandy Baker - Nepcoe Financial
Mandy Baker

Mandy is the company director (along with Mark) & office manager and ensures that our procedures are of the best quality, meeting the high standards set by our regulators. She also works closely with Mark, providing him and his clients with day-to-day support with the progress and administration of their mortgage and insurance proposals, ensuring a high standard of service is always received.

Mandy has spent her whole working life within financial services having spent the last 3 years running Nepcote Financial. Prior to that she worked within Goldsmith and Company for 3 years. She also spent 10 years at ‘@ Options Ltd’ as an independent mortgage and protection adviser and 11 years at the Halifax in various sales & management roles.

Mandy enjoys a spot of retail therapy & spa days as well spending quality time with her family.

Email Mandy | Call Mandy on 01903 251053

Melissa - Nepcote Financial

Melissa Campbell

Melissa is a fully qualified mortgage and protection adviser who is able to give advice on residential and buy-to-let property transactions, together with the associated protection insurances.

Prior to joining Nepcote Financial Ltd, Melissa enjoyed a successful career in the Estate Agency and Financial Services Industry over the last 10 years, having worked for companies including Goldsmith and Company, Juno Independent Mortgages Ltd, Sterling Financial Services and Countrywide Mortgage Services.

Email Melissa | Call Melissa on 01903 251053 or 07775 678206

Georgia - Nepcoe Financial
Georgina Daltrey 

Georgina is a newly qualified mortgage and protection adviser who is able to give advice on residential and buy-to-let property transactions, together with the associated protection insurances.

Georgina started with us as an administrator 4 years ago and has a wealth of knowledge from ‘behind the scenes’ of the administration of mortgage and insurance proposals. She was also Nepcote Financials compliance officer.

Georgina has 2 young boys that keep her very busy outside of work. She also enjoys an active social life with her friends & family.

Email Georgina   |   Call Georgina on 01903 251053

Jo Brooke - Nepcote Financial
Jo Brooke

Jo has recently started with the company and provides administration support to all the mortgage advisers, providing additional support with the progress and administration of the mortgage and protection proposals, ensuring a high standard of service is always received.

Prior to joining Nepcote Financial, Jo worked at Fine Cut Group Ltd a family run firm for 15 years as an Accounts Advisor looking after all aspects of the customer & supplier accounts.

Jo has 2 children both in further education. She enjoys keeping fit at the gym, walking her German shepherd and spending sunny days in her garden.

Email Jo | Call Jo on 01903 251053

Lisa - Nepcoe Financial
Lisa Beardsworth

Lisa is also an administrator to all 3 of the mortgage advisers, providing additional support with the progress and administration of the mortgage and insurance proposals, ensuring a high standard of service is always received.

Prior to joining Nepcote Financial Lisa worked at a Local Manufacturing company liaising with their customers and staff regarding orders and Queries, and also worked for the insurance company Esure.

Lisa has a busy life running around after her young family when she is not in the office.

Email Lisa   |   Call Lisa on 01903 259026

Rachel - Nepcote Financial

Rachel Spark

Rachel is an administrator to all 3 of the mortgage advisers, providing additional support with the progress and administration of the mortgage and insurance proposals, ensuring a high standard of service is always received.

Prior to joining Nepcote Financial, Rachel worked at HSBC for 20 years at local branches in customer facing roles.

Rachel has a young family that keeps her very busy outside of her office hours.

Email Rachel |   Call Rachel on 01903 259027