Meet The Team

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.

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 his clients. Gavin has helped many of his clients become successful landlords and to create their own property investment portfolio, as well as helping first time buyers secure their first home.

Gavin is married with two boys and has a keen interest in all sports. In particular, football and squash. He also enjoys eating out, going to the cinema and spending time with his family and friends.

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.

Emma has worked for Citrus Mortgages since they began in August 2007.

Her friendly disposition makes her a very popular advisor with Citrus Mortgage clients. Emma 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.

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.

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.

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.

He has great knowledge of policy & criteria which enables him to place even the most trickiest of cases from the whole of the mortgage market 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.

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.

Viv has worked in the customer service industry for over 25 years, 20 years as a Manager in the travel industry and the last 5 years as an administrator in the mortgage industry.

She has excellent knowledge of the administrative processes required in helping customers from mortgage application stage right the way through to completion and has built up excellent relationships with lenders, solicitors and clients.

Viv prides herself on a friendly, approachable demeanour and takes great pride in the job that she does.

David joined Citrus Mortgages in 2018 having worked in the financial services industry since 2001. He has been a qualified Mortgage and Protection Adviser since 2003. He has a wealth of experience and knowledge and has spent a significant part of his career working with New Build Developers.

He is keen to listen to a client’s needs and requirements both in regard to their mortgage and protection and enjoys building long-term relationships with his clients.

David has three young children and is a keen golfer. Sadly, these two things do not mix well.