Rachel Lummis – Xpress Mortgages

Hello Judges

Why should Xpress mortgages, a small brokerage in surrey win this award? Where do I start?

I am Rachel Lummis, a Mortgage advisor and have been in the business since late 2005.

I started Xpress Mortgages back on 14th February 2006. alone, with the help of my aunty Susan who helped me set the office up. Its been an interesting journey and a role that I could do whilst bringing up my two children.

Xpress is now a busy and energetic office with an all-female (not intentional) team of five.

The business has grown organically rather than strategically and therefore it has never just been about profit and loss, more about people. Xpress has grown slowly out of taking on employees, one by one, who have been trained and supported in their mortgage careers and the business has flourished from there into the successful business it is today.

Year on year, since 2006, has seen an increase in turnover and profit and the last 6 months have been the best ever.

We take pride in what we do and essentially it is all about our customers. We pledge to go above and beyond to ensure our clients needs are met and as a result, over the years, we have forged many lifelong working relationships with trusting clients.

In 2018 Xpress lost two local clients to cancer who we supported as much as we could in their final months and assisted another who is bravely beating the illness now.

We understand that our customers are real people and all valued to us. We know them enough to be included in their life events, weddings, christenings and, more sadly, funerals, not just their mortgages.

We love our clients, and work tirelessly for them, reflected in our almost 50 odd 5 star google reviews and by the bags under my eyes from often being at my desk from 5am to 7pm.

The team has gained respect in the financial industry too, through professionalism, extensive knowledge and our friendly, approachable manner.

We are a go to brokerage for lenders to trial their new products and ask for our opinion on criteria and marketing. We often, confidentially view new product developments well in advance of roll out to the general market.

I love this industry and all the people in it and have a great relationship with lender partners, colleagues and industry folk, I always go out of my way to promote the industry and regularly contribute to Mortgage Strategy, Mortgage solutions, FT adviser the Sunday times and even the Sun on one occasion.

In this, we feel that we, and other small brokerages, play a vital role within the industry for the benefit of the wider mortgage community. Winning this award would consolidate the hard work the team puts in on a daily basis and would be a fitting nod to Xpress, together with all smaller businesses that contribute their time and knowledge to help the market as a whole to prosper.