Joe Lane is a leading property finance specialist and mortgage broker. Since starting his career in 2012 as a letting’s agent, Joe has had a flourishing career, heading up a growing team who share his passion for providing clients with the most competitive finance options and exceptional customer service. Joe is an avid property investor himself, with a portfolio worth over £1.5million, and a prominent public speaker. After successfully capitalising on a series of below market value purchases and BRR transactions, Joe now focuses on commercial revaluations on existing property, sourcing refurb opportunities and property finance structures.

Having worked in accountancy across various sectors for many years, Tracey decided to change direction slightly, and move into financial services where she qualified as an Independent Mortgage & Protection Advisor (CeMap) in 2014. Alongside this, Tracey is a Help to Buy Wales (HTBW) accredited advisor.

David Stock & Co are a family run business of Independent Financial Advisors with access to the 'Whole of Market'. We offer expert advice in the areas of Mortgages, Equity Release, Pensions, Investment, Insurance and have been doing so for over 30 years.

We also specialise in niche areas of the mortgage market and can source mortgages for first time buyers, Limited Company Buy to Lets, Portfolio Landlords and can arrange remortgages for the purpose of capital raising, home improvements and debt consolidation.

Tracey set up Clearwater in November 2003. With over 20 years’ experience Tracey started Mortgage Advising after qualifying in 1999. Since the initial set up the company has gone from strength to strength, resulting in progressive expansion.

Tracey is a fully qualified independent adviser who has access to thousands of lenders and the associated products such as insurances, enabling her to provide clients with the best and most suitable products for them. Tracey runs the business and works with Sharon in managing the administration.