Meet the Team

Daniel Unthank

Managing Director

“Nothing is impossible. There is always a solution - you just have to find it.”


As Managing Director, Dan manages the broker, insurance, and administration teams. He also continues to assist clients with their finance needs and is passionate that every client receives exceptional service. His career in the industry began with a role in an independent financial advisory firm and was followed by several years working for Mayfair brokerages. Daniel founded Holbrook Property Finance in 2010 and is incredibly proud of what the Holbrook team have achieved over the years. Dan is keen runner and experienced Obstacle Course racer, regularly competing in events such as Tough Mudder and Spartan.


Dan has also been a target shooter for many years, now using the excuse that old age and failing eyesight mean he is no longer as accurate as he was!


Graeme Routledge

Senior Mortgage Broker

“If you don’t ask, you don’t get.”


Graeme has over a decade of experience in the mortgage industry, most of it with Holbrook Property Finance. Over the years he has refined his skills in dealing with every kind of financial situation and successfully securing appropriate funding solutions. Graeme particularly enjoys the different type of clients and locations that the average working week delivers.


Outside of the office, Graeme loves taking his family on overseas trips, tending to his Japanese Maple trees, and a glass of red wine or two.


Mark Scott

Senior Mortgage Broker

“The Magic of the Middle. Finding the balance between patience and eagerness has been essential in my success.”


With over 10 years history in property finance, Mark takes great pride in using his skill and experience to ensure that his clients receive excellent advice and have a stress-free experience in obtaining a mortgage.


Mark has helped countless people with on e of the biggest decisions in their lives and knows no two client situations are ever the same. Mark is a regular in the gym, enjoys a run followed by cooking a meal and bingeing a boxset. We won’t mention his football team……


Lee Scroggie

Mortgage Broker

“People don’t care how much you know until they know how much you care.”


Lee’s commitment to finding the best solution for each client and enhancing their overall experience is at the forefront of his practice. He takes pride in delivering personalised service and tailored financial solutions that align with his clients' unique needs and aspirations. Every client has a different story, and finding the right solution for them is always fun and rewarding.


Lee enjoys spending time in the gym, boxing and watching a film with a good quality steak.


Karen Li

Mortgage Broker

“Quality is not an act, it is a habit.”


Karen began her career in finance as a Personal Banker with Santander and two years later became a qualified mortgage advisor. She enjoys assisting her clients in reaching their major life goals, as owning a property is a significant milestone for many. Her role allows Karen to meet individuals from all walks of life, and she finds it incredibly rewarding to make a positive financial impact on their lives.


When not working, Karen enjoys nature walks, bouldering, gardening, beaches, music, and her favourite movie is Inception.


Morgan Bowker

Specialist Mortgage Broker

“Either you run the day, or the day runs you.”


Morgan has 15 years industry experience, starting as a Personal Banker with Barclays and becoming expert in the more niche areas of finance. Morgan has assisted individuals in managing their portfolios, ranging from 4-5 properties and up to and exceeding 90+. She has experience helping within different set-ups including trusts, beneficial interest, complex tax planning, as well as limited company and HMO mortgages.


Outside of work, Morgan loves spending time with her family and dogs. Once she’s settled them all down for the evening, she also enjoys a nice glass of rosé.


Jack Wild

Insurance Director

‘I love to build things, especially if I don’t know it’s possible. If you can’t find a solution, think sideways’


Jack has 18 years experience in providing our clients with piece of mind that they are well protected. Jack has worked closely with families for many years as their trusted advisor, negotiating with insurers for the best possible outcomes for them, and ensuring that they can protect their finances against unforeseen circumstances.


It’s handy that Jack knows all about Protection; outside of work he has a keen interest in racing German cars around racetracks, skateboarding and ice hockey. In more sedate moments, he likes spending time on a beach and a nice wine.


Lisa Ray

Principal - L J Ray Mortgages

““Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful””


Having worked in the industry since leaving college (we won’t mention how long ago that was!), Lisa has a wealth of experience in both mortgage administration & customer service as well as Mortgage Advice & practice. Having previously worked as an adviser for Holbrook Property Finance, she founded L J Ray Mortgages in 2018 and continues to work closely with us as an Appointed Representative.


Lisa takes great pride in guiding people through their mortgage process and unburdening them from as much stress as she can. A happy client who has excitedly moved into their new home sending her pictures is her favourite email to receive.


Lisa loves long dog walks that end with a roast dinner in a candle lit pub with a glass of wine. She is also hugely involved with the theatre, directing & acting in productions as well as watching plays as often as possible.


Clare Eggleton

Administration Manager

“life is what you make it”


Clare’s experience focuses on supporting our clients to ensure a smooth and stress-free process through to obtaining their mortgage offer. Clare enjoys the dynamic nature of working in finance, particularly the opportunity to help clients achieve their financial goals and navigate important decisions with confidence and ease.


When she’s not keeping things running seamlessly at work, Clare is a dedicated mum of two whirlwind children who keep her on her toes for sure! When not refereeing sibling squabbles, she loves socialising with friends, escaping on holidays (she’s always ready to pack a bag and disappear faster than you can say passport), and finding new ways to embrace the chaos while having as much fun as possible.


Stephanie Fraser

Completions Manager

“If you can dream it, you can achieve it!”


Steph has worked in finance for over 10 years and makes sure that once the mortgage offer is produced, clients have as smooth a run as possible through to completion. She is absolutely fantastic at building rapport with both estate agents and solicitors, to ensure our clients get a 5-star service. Steph loves to chat, so is perfect for keeping everyone in the loop during property transactions!


When not in the office, Steph enjoys walks with her French bulldog that believes she is a rottweiler, and also loves to travel.


Matthew Garlick

Insurance Manager

“You never know how strong you are until being strong is your only choice”


Matt has a huge amount of experience completing insurance applications with clients and processing cases to their conclusions, whilst making the client journey as smooth and as stress free as possible. For the last 18 years, he has been able to help clients become financially secure in the case of unforeseen circumstances, so that both themselves and their families are fully protected at their most vulnerable times.


Matt is sports crazy and likes nothing more than watching football, rugby union, sailing and hiking. When being all sporty, Matt enjoys live music and, rather handily, producing wine (that’s not the reason we employ him!)


get in touch

Let’s Start the Conversation

Whether you’re ready to take the next step or just need a little guidance, our friendly team is on hand to answer your questions and provide expert advice tailored to you. No pressure, no hassle—just clear, honest support when you need it.