Meet The Team

Nick Blatcher - B&W photoNick Blatcher – Director – Nick first started working in Financial Services in 1987, specialising in mortgages since 2004. Together with his business partner, Gavin Potter, he founded Citrus Mortgages in 2007 to provide ethical, friendly and professional mortgage advice.

Nick is proud that Citrus Mortgages survived the credit crunch which saw a large number of brokerage firms leave the market place. He attributes this to customer loyalty generated by the hard work and positive attitude of the Citrus team. In today’s difficult mortgage environment Nick relishes the challenges of helping his clients achieve their goals, whether it be getting onto the property ladder, arranging a remortgage or building a Buy to Let portfolio.

A keen skier, Nick will try to slip away to the slopes whenever work allows. Spending time with family and friends is important to Nick who also enjoys a wide variety of outdoor activities, attending sporting events and concerts.

Direct Dial – 01908 920040

Mobile – 07725313667

E-Mail –


Gavin Potter - B&W photoGavin Potter – Director – Gavin Started in the mortgage industry in 2003 and after forging a successful career decided in July 2007 to set up Citrus Mortgages with Co-Director Nick Blatcher.

Gavin has a wealth of knowledge in the Mortgage and Insurance Industry and Prides himself on providing a stress free service to all of his clients. Gavin has helped many of his clients become successful landlords and create their own property investment portfolio, as well as helping First Time buyers secure their first home.

Gavin is a father of two boys and is soon to be married. Gavin has a keen interest in all sports and in particular Football and Squash, he also enjoys eating out, going to the cinema and spending time with his family and friends.

Direct Dial – 01908 920042

Mobile – 07740358963

E-Mail –


Paul Barnes - B&W photoPaul Barnes – Senior Mortgage Adviser – Paul joined Citrus Mortgages in September 2013 having previously worked as a Mortgage Consultant for Countrywide Mortgage Services and St James’s Place Wealth Management. 

As an experienced, successful, mortgage professional, Paul’s knowledge of lenders and their criteria is wide-ranging, yet he prides himself on avoiding complacency and working hard to ensure his knowledge base is up-to-date, in an ever-changing marketplace.  Paul, like everyone at Citrus Mortgages, is an affable character and really enjoys dealing with clients in a friendly, yet professional manner.

On a personal level, Paul follows most sports, with a passion for football in particular.  When he’s not sat on the sofa watching TV, he also enjoys live music, stand-up comedy, restaurants, going to the cinema and spending time with friends and family.

Direct Dial – 01908 787399

Mobile – 07921151381

E-Mail –


Emma Blatcher - B&W photoEmma Blatcher – Mortgage Adviser – Emma has worked for Citrus Mortgages since they began in August 2007.

Her friendly disposition makes her a popular advisor within our team and she prides herself in hand holding her clients throughout their mortgage application.

Having been born and raised in the area she has a wealth of local knowledge.

Emma is known for enjoying a glass of wine or 2 whilst cooking up a storm in the kitchen. In her spare time she loves spending time with family and friends and walking her dog.


Direct Dial – 01908 920041

Mobile – 07917011471

E-Mail –


Dale Baird - B&W photoDale Baird – Mortgage Adviser – Following a sabbatical sailing the Mediterranean, Dale joined Citrus Mortgages in November 2012, having come into the Mortgage arena later on in life from a career in management & Industry.

Dale found he was able to use the skills and knowledge gained from Industry to help his clients obtain a mortgage, using a methodical and practical approach to problem solving soon proved to be the best way to acquire a Lenders approval.

With a smile and very approachable manner,  Dale’s friendly but professional approach is reassuring  to clients along with him giving clarity and communication top priorities.

When not working, Dale enjoys being with his family,  caravanning, walking his dog and supporting his local Rugby team.

Direct Dial – 01908 920041

Mobile – 07801388304

E-Mail –


Adam McGrath - B&W photo
Adam McGrath – Senior Mortgage Adviser – Adam joined Citrus Mortgages in 2015 having previously worked as a Mortgage and Protection Adviser for Lloyds Banking Group and prior to that Countrywide Mortgage Services.

Adam is customer focused and strives to achieve an outstanding level of customer service. With Adam’s previous experience in both the banking and brokerage industries, he has a vast knowledge of lending criteria within the mortgage market with a particular flair for exceptional customer service.

Outside of the workplace Adam enjoys spending time with his family, especially with his wife and young son.

Adam is a keen football fan and enjoys regular trips to the gym, eating out and socialising with friends.

Direct Dial – 01908787400

Mobile – 07539357053

E-Mail –


Andrew Phillips - B&W photo
Andrew Phillips – Senior Mortgage Adviser – Andrew joined Citrus in 2017 with 6 years’ experience within the financial services industry under his belt. Andrew knows the Milton Keynes market well having lived here his entire life & understands the need for a slick application process for a homebuyer within this fast paced market. Andrew has great knowledge of policy & criteria which enables him to place even the most trickiest of cases with our vast panel of lenders to ensure his clients get the result they need.

Andrew is also passionate about offering his clients advice on protecting their mortgage and home with the various policies that are available in the market to ensure that even if the worst happens, their property is not repossessed.

On a personal level Andrew has an interest in football, motorsport, music & film.

Direct Dial – 01908760931

Mobile – 07841019142

E-Mail –


Andre Marcel - B&W photo
Andre Marcel – Senior Mortgage Adviser – Andre joined Citrus Mortgages in 2017 having originally starting his career in Financial Services in 2006. Before joining Citrus he worked within local firms, one being the UK’s largest estate agency group, obtaining extensive knowledge and experience. Making the move to a whole of market brokerage in 2014 only increased and improved this experience dealing with both new and loyal returning clients in an ever-changing mortgage market.

Andre prides himself on having a friendly, individual approach to a client’s needs both in regards to the mortgage and protection and it shows, as a large part of Andre’s business is received via referrals.

Outside of work Andre is kept on his feet by his young daughter and loves spending time with his family. He is a keen football fan and spends time eating out, socialising with his friends and family.

Direct Dial – 01908 774247

Mobile – 07443588169

E-Mail –


Jamal B&W
Jamal Benhaddou –  Administrator – Jamal joined Citrus in August 2012 as an apprentice and following his hard work and eye for detail he was rewarded with a full time position; where he has excelled in his role of administrative support to the Citrus Team. Jamal has a friendly manner and a tenacious approach to providing a first class service.

Jamal has a Passion for Football, Travelling, Politics and spending time with his friends

Jamal is currently taking his qualifications to become a mortgage adviser and is relishing the challenge of progressing his career.


Direct Dial – 01908 761988

E-Mail –


Team B&W