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Thomas Richards
I first got into financial services while studying at the University of Sussex, and I’ve been working in the industry ever since. Alongside my degree, I took on client-facing roles across different areas of financial advice and property investment, which helped me build hands-on experience early on.
Outside of work, I love travelling and try to visit new countries whenever I can. I’m also a big fan of music — pretty much anything with a good beat. In my spare time, I keep active with badminton, running, and skiing, and I’m always on the lookout for great new restaurants to try around Brighton.
I have been dealing with Paul Grennan and Julie Ward for a mortgage that has not been entirely straightforward. Frankly, I am so impressed by the service I have received, that I felt compelled to drop you a line. I have not been this impressed or this happy with customer service for a long time, and you should know that Paul and Julie are an asset to your business. It was not just the positive result I was happy with, but also the fact that I was called when a promise was made to call me, emailed when a promise was made to email me and kept informed at every single stage. Paul and Julie are friendly and knowledgeable professionals. Top-class customer service has become a rarity in many service industries, so it’s good to know that I chose well, when I chose Pembroke.
My partner Caroline and I recently bought our first home, and we really cannot overstate how helpful and reassuring Pembroke were throughout the whole process. Without Paul and Julie, our contacts at Pembroke, we probably wouldn’t be moving at all. Paul got straight on the phone with us at the start of the process, managed to explain each step in a really informative yet simple way, and was extremely patient with our various ‘first-time buyer’ questions and emails. Paul found some great mortgage deals for us, explained the pros and cons of each element (like the length of our fixed-rate term), and gave sound advice that made us feel comfortable and prepared. We would thoroughly, thoroughly recommend Paul and the team at Pembroke to anybody, especially to first-time homebuyers.
Great support and communication throughout the entire process, by Julie.
Pembroke Financial Services (Julie especially) actively went above and beyond what I expected from a mortgage adviser, they really went that “extra mile” for me and I cannot recommend them highly enough! Thank you!
Fantastic experience with Paul and Julie. Super helpful, communicative and full of advice. Will not hesitate to use Pembroke in the future.






