Meet the Team

Here are the biographies for everyone who work at Complete FS, click the prefered section and have a read, you never know what you might learn.

Tony Salentino Director

Tony Salentino traces his interest in financial products to his work many years ago as a trainer and assessor for a well-known U.S. Money Shop operation. Passionate about providing customers with an informed and managed customer journey through the maze of financial services products, Tony became a Director and shareholder of Complete in Sept 1993, eventually taking full control of the business in Oct 2008 until he was joined by fellow director Phil Jay in Feb 2010.

In July 2000 he was instrumental in the creation of the PMPA, Professional Mortgage Packagers Association which for many years led the way in providing outstanding customer service and distribution to both the intermediary and mortgage lenders in the UK.

Tony’s belief and drive in providing service excellence has brought him a high level of respect from his peers and many industry awards, more recently as “Best Mortgage Packager for GE Money” and nominations for “Best Mortgage Distributor” and “Best Specialist Broker.” In recent years his greatest business achievement was to be listed in The Marquis - Who's Who of Britain’s Business Elite. This recognition is only made to the top 2% of Britain’s business leaders.

When he is not working, Tony enjoys spending time with his family, coaching youth football at professional football club Southampton FC, and when he can is partial to a game of golf.

DDI:

023 8045 0507


Mobile:

07801 194 508


Email:

tony@complete-fs.co.uk

Phil Jay Director

Phil Jay has been in the specialist mortgage sector for 18 years, having worked for a mutual Building Society for a further 10 years. Phil joined Ian Nelson at BDS back in 1996 when packagers were beginning to make a mark in the intermediary sector. Starting out with a small group of local brokers Phil grew the business year on year which, at the peak of the market, employed 80 staff and represented over 30 lenders. Phil and BDS achieved a number accolades including ‘Best Mortgage Packager’ at Mortgage Strategy and ‘Best Business Leader’ at Mortgage Solutions.

In October 2004 BDS became a mortgage network and generated a strong brand of tied distribution which enabled the business to generate good profits and acquire quality staff in the sales, administration and compliance departments. BDS was able to offer a quality service which attracted loyal and quality brokers.

In 2007 Phil was instrumental in selling BDS to the Skipton Group which complimented their growth strategy and aligned it’s business to Pink Homeloans.

In 2010 the mortgage market continued to be greatly depressed, Phil joined forces with Tony Salentino to grow and improve the great reputation of Complete. Since joining Tony the business has had an excellent growth spurt and more staff have been appointed which has enabled Complete to offer an excellent broker focussed proposition.

Phil is a hands-on businessman who leads by example, ensuring the service given is always first class with honesty and integrity at the centre. Phil loves his sport and manages to still dash around a squash court. Phil is married to a fellow Southampton FC fan which makes Saturdays fun as they disappear together to St Mary’s to watch their beloved Saints.

DDI:

023 8045 0504


Email:

phil@complete-fs.co.uk

Damian Cain Director

Damian re-joined Complete in December 2015 having been a Director from 1993 to 2008. He began his financial service career in 1984 working for a US money shop where he quickly became the firms youngest UK branch manager. Never one to miss an opportunity Damian saw the potential of the fledgling packager market of the early 1990s and formed Complete Mortgage & Loan Services in 1993.

Damian's outside interests include being a long term season ticket holder at Southampton Football Club, being a member of Hockley Golf Club, and regular walks out in the nearby New Forest with his wife and cockapoo Harry, whilst of course accidentally finding the occasional pub for lunch.

Damian's return highlights the Complete’s commitment to continued growth, whilst maintaining market leading service for its introducers and lender partners.

DDI:

023 8045 0511


Mobile:

07711 953 331


Email:

damian@complete-fs.co.uk

Claire Budden Associate Director of Operations

Claire has re-joined Complete as Associate Director of Operations, having previously worked for the business between 2005 and 2010. She brings with her a wealth of financial services experience having been in the industry for 20 years.

In the 7 years since her departure from Complete, Claire has been a key member of the management team within another financial services firm, gaining significant management and leadership skills over the period.

She has proven ability in the implementation of new departments, the merger of existing companies and the retraining of staff against new goals in line with new company structures.

Claire is a hands on manager who leads by example ensuring that service is at the heart of everything that she does.

Outside of work Claire can regularly be found at St Mary’s Stadiums supporting her beloved football team, Southampton FC. She enjoys socialising with friends and spending time with her nephews.

DDI:

023 8045 0518


Email:

claire@complete-fs.co.uk

Jo White Team Leader (Underwriters)

Jo joined Complete FS in September 2004 at which time she predominately dealt with Secured Loans. She began her career in financial services in 2000 with the Woolwich as a mandated underwriter with a £500,000 limit. Prior to this she was Company Secretary for her husband’s building company.

Outside of work Jo likes socialising with friends and the odd glass or two of vino!! She also enjoys horse racing particularly her annual visits to Glorious Goodwood.

Jo loves long walks with her 2 dogs Lenny and Bear who keep her very busy now the kids are all leaving home!

DDI:

023 8045 0506


Email:

jo@complete-fs.co.uk

Davinia Blackman Senior Case Manager

Davinia joined Complete in Sept 2015 but has been in the financial industry since 1990 with vast knowledge and experience of underwriting within the specialist market at Solent Mortgage Services. Davinia joined SMS straight from college starting as a second charge processor and working her way through the ranks to Office Manager.

Davinia loves socialising with friends which also includes the odd bottle or two of vino. Davinia also enjoys going out for long walks with her two dogs along the beach, Chilli and Skye who are extremely energetic and always has the dogs joining her on holidays round the UK along with the husband who is useful for cooking great food.

DDI:

023 8045 0510


Email:

davinia@complete-fs.co.uk

Stevie Mansfield Case Manager

Stevie joined Completefs in May 2012 and started her career in financial services with the Yorkshire Building Society as a Chief Clerk and went on to achieve FPC1 and CeMap 2. This allowed her to manage all the mortgage, life and pension advise for the branch. She then left and moved onto being a broker for several companies working their client bank for independent mortgage, life and insurance. Stevie worked for several more years as broker for various companies until she was approached by a mortgage packager in 2003. In all of this time she has developed and maintained a high standard of experience within the mortgage area.

Outside of work, Stevie enjoys spending time with her family and grandchildren, helping with her local church. She is also part of a charity called Street Pastors which involves patrolling the streets assisting those who have difficulty getting home or just an encouraging word for those less fortunate. She also enjoys reading and travelling.

DDI:

023 8045 0515


Email:

stevie@complete-fs.co.uk

Sami Miselbrook Case Manager

Sami joined Complete FS in 2014 as part of our Apprenticeship scheme and now is an integral member of our Residential department. Prior to this she spent 2 years in retail as a sales assistant for a well know fashion house and is a qualified beautician training at Bournemouth and Poole college. Her interests include keeping fit, fine cuisine and is partial to a good old fashion night out with the girls

DDI:

023 8045 0516


Email:

sami@complete-fs.co.uk

Ann Jennings Senior Enquiries Manager

Ann joins Complete as part of the Enquiries Team having been a valuable member of the sales team at Lloyds Bank. Her vast experience in financial services prior to joining Lloyds includes 5 years working for a packager and prior to that at Abbey National. Ann achieved many accolades whilst at Lloyds including being promoted to a “subject matter expert” in retail enquiries, was chosen as a trainer to assist with the integration between Lloyds and HBOS and assist with a “multi Skills” training program for their credit cards service dept. In her final year at Lloyds Ann had a Team Manager Support role where she deputised in the dept managers absence. Her passion in recent years has been to champion many charities but in particular Naomi House and Jack’s Place, a childrens hospice for new born upwards where she has raised in excess of £15000. In October 2014 she trekked the Great Wall of China.

DDI:

023 8045 0519


Email:

ann@complete-fs.co.uk

David Horsley Enquiries Manager

David joined Complete in October 2016 as a member of our sales and enquiries team. After graduating from University and travelling around Europe as a cruise ship youth entertainer, he spent 4 years working in payroll and pensions for Hampshire's public sector employees. When he's not at work, he can be found playing 5-a-side football, lifting weights at the gym, or supporting the mighty Southampton FC from the stands at St. Mary's Stadium, where he is a part season ticket holder. An active lifestyle is sustained by a gladiator appetite, which is perfectly catered for by his wife who married him in the summer of 2015.

DDI:

023 8045 0170


Email:

david@complete-fs.co.uk

Sarah Thorn Team Leader (Enquiry/Sales Support)

Sarah joined Complete FS in April 2011 as an Underwriter and has been working in Financial Services for 30 years. Sarah's first job was with the Halifax where she ended up as a mandated underwriter. After 13 years with the Halifax Sarah went to work for BDS Mortgage Desk (another packager) and wasn’t prepared for the shock of going from a High Street lender to a packager dealing with the likes of TMB and their self-cert mortgages or Kensington on their adverse products. Sarah soon became accustomed and absolutely loved her 11 years there. After the crash she spent a year working for Social Services thinking that something completely different would be good but the draw of mortgages was too much and she came to work for Complete in 2011. Sarah isn't one for hobbies, 3 grown up children, 5 guinea pigs, 2 dogs, a hamster and a husband doesn't leave her with much time but she does enjoy a good TV series, Sarah's a Game of Thrones addict with Breaking Bad coming in a close second.

DDI:

023 8045 0514


Email:

sarah@complete-fs.co.uk

Trudy Kane Senior Case Manager

Trudy joined Complete FS In March 2014 as an underwriter. Trudy worked for Lloyds Bank and Endeavour Personal Finance as a secured loan underwriter before deciding on a total change of career and becoming a police officer in the Thames Valley. Relocation to the south coast and missing the financial services industry led to Trudy joining the team as an underwriter. Outside of work Trudy enjoys live music, the theatre and watching tennis, especially Rafa Nadal!

DDI:

023 8045 0505


Email:

trudy@complete-fs.co.uk

Leanne Autton Case Manager

Leanne is the newest member of the underwriting team joining Complete in September 2016.

She spent 10 years working for the Royal Bank of Scotland Group. Initially as a Mortgage Advisor in branch and then moving on to a Business Development role within the Intermediary Market Place promoting and advising on the groups Mortgage products and services. After a break to explore life living in Spain and then moving to the South Coast Leanne has decided to return to a career in financial services.

Outside of work Leanne enjoys cooking, walking their very large dog, Ted, girlie shopping with her teenage daughter and just generally spending time with family and friends.

DDI:

023 8045 0500


Email:

leanne@complete-fs.co.uk

Helen Kitchen Case Manager

Helen joined Complete FS in May 2017, as a Case Manager, but has been in the financial services industry since leaving school in 1986. Helen started her career at Natwest, working her way up from a Grade 1 entrant to Chief Cashier, working in various branches in & around the Southampton area. After her two sons went to senior school Helen couldn’t wait to get back to what she knew best & started working for Chelsea Building Society which was then taken over by Yorkshire Building Society. At Yorkshire Helen was a Customer Consultant dealing with all aspects of customer service. After showing an interest in the mortgage side of the business she became a ‘A Mortgage Buddy’ for the branch Mortgage advisors, dealing with checking and submitting cases on behalf of the adviser.

Earlier this year Helen then saw, what she describes as her perfect job, the advertisement for the Case Manager position at Complete FS and decided to move on from her role at Yorkshire.

In her spare time Helen loves reading books, socialising with friends and enjoying a glass of wine or two! She is an avid supporter of Southampton FS and likes to catch a match at St Mary’s as often as she can.

DDI:

023 8045 0188


Email:

helen@complete-fs.co.uk

Emma Page Case Manager

Emma joined the Bridging and Commercial Team Complete FS in October 2016 as a Trainee Underwriter. Whilst Emma is new to mortgages, she is certainly not a novice when it comes to property, having previously worked in Estate Agency as a Property Consultant. Emma has quickly absorbed the complexities of bridging and commercial processing and no doubt will continue to develop her knowledge of the mortgage industry in all areas.

Emma is an avid Manchester United fan travelling to their home matches whenever possible and religiously watching when she can’t get there. She has a husband and Jack Russell Terrier, both of which are Tottenham fans!! Emma also enjoys watching films and travelling, destinations so far include Las Vegas, Iceland, Bulgaria, Spain and this year, Mexico.

DDI:

023 8045 0171


Email:

emma@complete-fs.co.uk

Dean Preston Enquiries Manager

Dean joined Complete FS in September 2009, having started his career in financial services with BDS Mortgage Group back in 2004. Outside of work Dean plays cricket and five a side football, he supports Portsmouth FC, as he says are the better team.

DDI:

023 8045 0509


Email:

dean@complete-fs.co.uk

Andy Ingram Enquiries Manager

Andy joined Complete in June 2015 and is a vital part of the Enquiries team having been a member of mortgage retention team for LSL Financial services, successfully working to retain customers for their 3 brands of Your Move, Reeds Rains and Embrace. Working within financial services since leaving college Andy has held front line roles in personal banking for both Nat West and Santander as well as working for Abbey for Intermediaries helping with enquiries and sales support. Outside work Andy enjoys spending time with his children and new wife as well as following Southampton Football Club, watching as many games as he can. Andy recently played in the Complete v Shawbrook football match, giving an impressive performance in midfield.

DDI:

023 8045 0503


Email:

andy@complete-fs.co.uk

Bob Hope Sales Manager (B&C)

Bob joined Complete FS in 2013 having previously worked for BDS, MGM Finance & other Life Insurance companies. Over this time he's been involved in many roles from being head of training for a large life office, director of a successful mortgage firm to running a very successful mortgage firm, now utilising these skills in increasing business volumes for Complete FS and specialising in the commercial and bridging arena. I enjoy watching Rugby and am a massive Harlequins fan.

DDI:

023 8045 0502


Email:

bob@complete-fs.co.uk

Julie Sides Enquiries Manager

Julie joined the Bridging & Commercial Sales Team at Complete FS team in September 2015. Julie has a wealth of experience in the specialist mortgage arena having cut her teeth in mortgages as a mandated underwriter with the Portsmouth Building Society in the early 1980’s - anyone remember the PBS??.

Julie joined BDS Mortgage Group as an Underwriter back in 1994. During her 11 years with BDS she moved from Underwriting to Broker Sales and finally to Product Development. She was enticed away by TML Financial Solutions where she joined as Head of Product Development and she spent a further 2 years developing the new Lender panel and exclusive products for the direct to consumer broker. During her 2 years with TML she also spent some time managing the Fully Authorised Mortgage Advisors on the Broker Desk.

Following the crash, Julie spent 7 and a half years as a Civil Servant whilst patiently waiting for the industry to get back on its feet and for the right opportunity to arise. Complete FS stepped up to the plate and the rest is history! Julie feels she is now back where she belongs and is thoroughly enjoying the daily challenges dealing with some of the most difficult enquiries to place.

Julie has a variety of hobbies which include Antique Fairs and Tortoise breeding, at one point having 22 tortoises to look after!

DDI:

023 8045 0513


Email:

julie@complete-fs.co.uk

Tammy Chalk Case Manager

Tammy joined Complete in March 2015 as an underwriter. She has been in the financial industry for 20 years and is fully CeMap qualified. Tammy started in the industry with First National Bank specialising in secured loans. Tammy then moved into the subprime mortgage sector and started at Blue Water Home Loans which then became TML (The Mortgage Lender). She played a big part in their expansion having many senior roles during her time there. After many enjoyable years at TML she moved into the Commercial sector and worked for Go Business Mortgages. She then secured a Bank Manager position at Lloyds TSB working in their secured loan division, Blackhorse Finance. Tammy has 2 daughters and spends most of her time outside work ferrying them to clubs and activities. Tammy enjoys running, nights in and out with friends, cooking and walking Alfie, their Miniature Schnauzer. In October 2016, Tammy achieved a Level 2 NVQ Diploma in Customer Service.

DDI:

023 8045 0501


Email:

tammy@complete-fs.co.uk

Emma Page Case Manager

Emma joined the Bridging and Commercial Team Complete FS in October 2016 as a Trainee Underwriter. Whilst Emma is new to mortgages, she is certainly not a novice when it comes to property, having previously worked in Estate Agency as a Property Consultant. Emma has quickly absorbed the complexities of bridging and commercial processing and no doubt will continue to develop her knowledge of the mortgage industry in all areas.

Emma is an avid Manchester United fan travelling to their home matches whenever possible and religiously watching when she can’t get there. She has a husband and Jack Russell Terrier, both of which are Tottenham fans!! Emma also enjoys watching films and travelling, destinations so far include Las Vegas, Iceland, Bulgaria, Spain and this year, Mexico.

DDI:

023 8045 0171


Email:

emma@complete-fs.co.uk

Dean Preston Enquiries Manager (Secured Loans)

Dean joined Complete FS in September 2009, having started his career in financial services with BDS Mortgage Group back in 2004. Outside of work Dean plays cricket and five a side football, he supports Portsmouth FC, as he says are the better team.

DDI:

023 8045 0509


Email:

dean@complete-fs.co.uk

Andy Ingram Enquiries Manager (Secured Loans)

Andy joined Complete in June 2015 and is a vital part of the Enquiries team having been a member of mortgage retention team for LSL Financial services, successfully working to retain customers for their 3 brands of Your Move, Reeds Rains and Embrace. Working within financial services since leaving college Andy has held front line roles in personal banking for both Nat West and Santander as well as working for Abbey for Intermediaries helping with enquiries and sales support. Outside work Andy enjoys spending time with his children and new wife as well as following Southampton Football Club, watching as many games as he can. Andy recently played in the Complete v Shawbrook football match, giving an impressive performance in midfield.

DDI:

023 8045 0503


Email:

andy@complete-fs.co.uk

Graham McCabe South West BDM

Graham joined Complete FS as Business Development Consultant for the South West and Wales in November 2016.

His considerable experience in the finance industry spans over 30 years in various roles, initially in London with Barclays Bank and then working for that same U S money shop as Tony and Damian. He then became a successful Broker based in Devon.

In 2003 he joined Paragon Mortgages as Regional Sales Manager and enjoyed building a network of long standing broker connections over several years.

On leaving Paragon he continued to concentrate on developing specialist portfolio Buy to Let business and, as a landlord, to further his own property interests.

In recent years he has broadened his experience to include the funding of renewable energy projects, and commercial lending for development in the residential, holiday and leisure sectors.

Living on the coast he has gained a passion for water-related activities, and is out on his boat whenever time or the weather permits!

He and his wife Kate enjoy a busy family life, with two grown up children and two lively young grandsons.

DDI:

07890 814 241


Email:

graham@complete-fs.co.uk

Ali Friel

Ali joined Complete FS in August 2016 as an Accounts Assistant. From an accounting and payroll background Ali has worked over 20 years within the print industry, the last 11 of which were spent specialising in IT Consultancy for this sector.

Outside of work Ali enjoys spending time with her family, music festivals & socialising with friends.

DDI:

023 8045 0508


Email:

ali@complete-fs.co.uk

Harry Raymond

Harry started college in 2013 and studied Uniformed Services for 3 years. Whilst studying he worked part-time in retail to finance his away days with Newcastle United FC.

Having finished his studies, Harry wanted to find a long-term position with the opportunity for career progression and joined Complete in April 2017 through an Apprenticeship scheme.

In his spare time Harry follows his beloved Newcastle United up and down the country. When he isn’t watching football he is playing football for two different teams (Harry used to play at county level but had to stop due to work commitments). And when he isn’t kicking a ball around Harry enjoys socialising with friends.

DDI:

023 8045 0189


Email:

harry@complete-fs.co.uk