Phil is a finance expert who helps us produce accurate and up-to-date mortgage content for our website. He provides us with the latest product and eligibility criteria information, reviews articles before they’re published and proofreads work for our writing team.
Phil is the head of MCI Club – an organisation which works with UK professional mortgage intermediaries to give access to lenders, insurers and product providers offering market-leading terms – having set up the business himself back in 2014.
He spent his early career working in retail banking, notably with Halifax where he held a number of management roles. After that, he established several financial services support businesses, ran TMA Mortgage Club for five years and managed supplier relationships for Pink Home Loans between 2001 and 2007.
Phil also reviews articles for our sister service, Online Money Advisor
*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.
Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.
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