about us

Who We Are

With decades of experience, Novus Financial Solutions is dedicated to providing you with reliable, personalised mortgage advice. Our fully qualified advisers are committed to guiding you through every step of your home-buying journey, ensuring clarity and confidence along the way. We know what the process looks like, how to best present your circumstances to the banks and how to deal with underwriting. Taking the time to articulate this can be the difference in securing the property you really want because a certain bank may lend more, achieving a lower rate to save your hard earned cash or simply just getting the job done.

We offer a mortgage service which is representative of the whole of market. This includes high street banks, private banks, challenger banks, building societies and international lenders. We really feel that having a problem-solving attitude is a huge advantage. If there is a solution out there for you, we’ll find it.

Our time in the industry has allowed us to develop relationships with Key Account managers and underwriters. It’s important to understand that each lender has a unique ‘appetite’ or lending profile, some will have more flexibility to consider circumstances outside of their normal policy. Other lenders simply will not. Having the experience to understand this and the relationships to challenge lenders is invaluable. We are working hard behind the scenes before even recommending your mortgage, ensuring you have the better chance of success.

We love working with our clients and have been doing so successfully for years. We offer a trusted, honest and friendly service but don’t just take out word for it. Who better to ask than our existing clients for a recommendation? Check out what they say about us in our testimonials section.

OUR TEAM

Ajay Waroo

Director & Mortgage Adviser

I have been working in Financial Services as a Mortgage Adviser for over 15 years. With my experience, I’ve learned that taking the time to really talk to clients is the key to a great working relationship. It allows me to have a clear understanding of their plans and objectives, so I can consider the solutions and give the correct advice. Thinking outside of the box to help my clients achieve their goals is what motivates me and I stay up to date with industry trends and lender policies to ensure every client receives the most competitive rates and products available. I believe that honesty, integrity and professionalism are the key foundations to building trust and long standing client relationships.

Outside of work, I’m passionate about spending time with friends and family, exploring countries with rich history and cuisine, and staying active. I believe in creating meaningful connections, whether it’s through my professional work or personal life.

Jonathan Smith

Director & Mortgage Adviser

I started my career in bank assurance, advising on mortgage finance for a high street provider through their flagship branches. With experience in high net worth lending and more complex transactions, I naturally transitioned into whole of market advice. I work hard to structure cases and find solutions when others cannot, taking time to carefully understand a client’s needs and deliver great outcomes. I firmly believe that communication is key and take time to build a strong working relationship with all my clients. Whether it’s answering generic questions, or giving advice on the most complicated of deals, I'm happy to help.

In my spare time, I live a life of two halves. Often competing in motorsport competitions, either at the racetrack or in E-Sports events online. When I'm not living life in the fast lane, I can be found playing Golf, enjoying a long walk and having adventures in the great British countryside with my family, friends and four-legged companion Scout.

Mark Nicholls

Executive Mortgage Adviser

I’ve been a Mortgage Adviser for 20 years, having previously held both advice and management roles for a high street bank. Speaking to clients is the best part of the job and finding the very best solution provides me with great satisfaction. I always strive to provide a great service, with retaining long term client relationships a key priority. All types of mortgage enquiries are very welcome.

I’m a keen sportsman, but the old bones can’t get me around the football pitch any longer. Instead, you will often find me on the local golf courses, or at the oche or pool table in my local club. I have two enormous dogs, Doogie and Ralph that are local celebrities, keeping me busy and entertained.

Emily Tucker

Executive Assistant

My role at Novus Financial Solutions requires both dedication and accuracy with a keen eye for detail. Having been with Novus for over 2 years, I am regularly involved throughout our client’s mortgage journey, from the start of the process, through to completion and beyond. Having recently bought my first home, I understand that the mortgage process can be overwhelming and strive to relieve this pressure, taking time to engage with our clients and respond to their queries.

I spend a lot of my spare time with friends and family whilst also enjoying the occasional trip overseas with my partner. I love exploring the countryside and beaches surrounding my home alongside my puppy Milo. Or sat in front of the fire with my two cats Luna and Nala.