Your Trusted Partner in Mortgages
Welcome to Our World of Mortgage Advice
We’re Charley & Liz – two busy mums with 15+ years’ mortgage experience who decided to do things differently. We know how hectic life gets, and how much it matters to get your mortgage right. Your home isn’t just bricks and mortar; it’s where your family grows, memories are made, and your future takes shape.
We started our business to offer clear, approachable, genuinely supportive mortgage advice. No jargon. No judgement. Just practical guidance and real care so you can make confident decisions about your home and finances.
Whether you’re buying your first place, remortgaging, or exploring your options, we make the process simpler, friendlier, and far less overwhelming – because everyone deserves a mortgage journey that feels as comfortable as home.
Meet the Team
The people powering Emerald Mortgages
Co-Founder and Mortgage & Protection Adviser
Charley O'Neill
Charley O’Neill is a mortgage and protection adviser, passionate about helping clients secure the right finance while ensuring they’re fully protected and informed.
When not at her desk, she enjoys spending time with her children and getting lost with the dogs in the woods.
Co-Founder and Mortgage Adviser
Liz Nugent
Liz Nugent is a dedicated mortgage adviser who loves helping first-time buyers and supporting clients navigating separation, having been through the process herself.
Outside of work, she’s kept busy with her two children — a daughter who’s passionate about horse riding and a son who’s a keen cyclist.
Mortgage Adviser
Claire Davies
Claire is based in East Yorkshire and has over 5 years of experience as a mortgage adviser. She is passionate about breaking down the process for her clients in clear, simple terms.
With a background in legal work, her attention to detail and caring nature make her an excellent and approachable adviser.
When not advising her clients or busy with her children, you can find Claire catching up with friends over a cocktail, or getting lost in a good book.
Mortgage Adviser
Lisa Brooks
Lisa is a mortgage adviser based in Oxfordshire.
Starting in financial services in 1997 and later managing the renovation of a Grade II listed home, she combines deep industry knowledge with hands-on property experience. She specialises in remortgaging to fund improvements, first-time buyers, and 100% mortgages. Clients value her approachable style and calm, jargon-free guidance.
When not advising her clients, you can find Lisa walking the dog, or on the side of a netball court.
Paraplanner & Client Care Co-Ordinator
Jess Akers
Jess is a mortgage-qualified paraplanner with extensive experience in the mortgage industry.
She combines meticulous case preparation with friendly, proactive communication, regularly coordinating with lenders, solicitors and surveyors to help secure prompt mortgage offers. A mum of two and keen runner, Jess brings energy, clarity and care to every client file.
When not at her desk, you can find Jess out running and enjoying time with her family.
Contact Us
REVIEWS
"We were recommended by a friend and we are so grateful. Lisa made the whole experience as easy as possible and guided and explained everything along the way. She kept up us to date on all progress and couldn't have been more helpful. We will definitely be asking Lisa to help us again in the future, highly recommended."
S.J.
"Claire has made our dreams into reality. As first time buyers we were very unsure if we were able to get on the property ladder. When we contacted Claire she built our hopes up and managed to find us a mortgage perfect for us. She has been so responsive and very very helpful every step of the way. I would highly recommend Claire to everyone, she is very professional ad very caring towards her clients."
A.S.
"Liz has been absolutely amazing with helping us buy our first house! Has been there from start to finish, through the ups and downs of buying a house, offered great advice and has amazing knowledge! Would definitely recommend Liz to anyone who is looking for help buying a house and if we are to move again, Liz is the first I would go to for help. If I could give more than 5 stars, I would!"
L.U.
"Claire provides a 5 star service and made the process of getting a mortgage so easy and stress free. My partner and I are first time buyers and have not been through this process before so we needed some extra support. Claire went out of her way to help and support us on our home buying journey. Now we have purchased our dream home and we couldn’t be happier. We could not recommend Claire’s services highly enough."
S.L.
"I would recommend Charley to anybody looking for a mortgage. Her knowledge and service are second to none. Charley has navigated us through the mortgage and remortgage process several times, tailored it to our needs and always found us the best deal available. I wouldn’t go anywhere else."
G.A.