Contact Us
Our People
Our Locations
Mortgages
Insurances
Resources
01727 893999
Book Appointment

Our People

Proud to have the Best

At IMAB, our service is only as strong as the people behind it — which is why we invest in having the very best team at every stage of your journey. With a 5-star Trustpilot rating and over 1,200 five-star reviews, our reputation is built on consistency, expertise, and genuine care for our clients.

Our experienced Advisory Team provides clear, tailored advice, supported by a dedicated Admin Team who keep everything running smoothly behind the scenes, while our Management Team ensures the highest standards are maintained across the business. Together, this structure allows us to deliver an outstanding, reliable service every time.

Meet Our Advising Team

Mortgage & Protection Adviser

Carol Allen (nee Savage)

Contact Carol

Email: carol.allen@imab.net

Telephone: 01923 933025

About Carol

I joined iMAB in 2001 as a mortgage and protection adviser. I love helping my clients ( and now some of their children, friends and families) to get through what can be a minefield of lenders jargon and numbers.

But over and above that I like to think we make that difference, as the one person on your side and will always go way beyond just the mortgage and insurance. If I don’t know the answer I know where to point you to who will.

Outside of advising I love getting outdoors walking and training, in my now home of Wath in South Yorkshire. ( I visit the office in Watford and St Albans, but these days zoom, teams and phones are for more time efficient for you the customers) I am passionate about most things I do but friends are always at the heart of it.

Director of Stevenage Office

Adrian Murphy

Contact Adrian

Email: adrian.murphy@imab.net

Telephone: 01438 360040

About Adrian

I have been in the mortgage industry since I started with NatWest in 1994. I joined iMAB in 2002 and opened up Independent Mortgage Advice Bureau (Letchworth) Ltd in 2008, which later moved to Stevenage Old Town in 2010.

I am married with 2 grown up children and live in St Neot. I enjoy cricket, football and spending time with my family.

Mortgage & Protection Adviser

Justyna Piasecka

Contact Justyna

Email: justyna.piasecka@imab.net

Telephone: 01923 490990

About Justyna

I have worked in the financial services since 2009, working for companies such as HSBC & NatWest. I started working as a Mortgage Adviser with NatWest in 2011 covering areas such as Ealing, Uxbridge, Eastcote, Pinner and Amersham. I joined iMAB in June 2016 as a Mortgage and Protection Adviser which has allowed me to help even more people achieve their dreams. I help First Time Buyers, Home Movers, clients remortgaging, and those with BTL, self-employed income, adverse credit and many more.

Outside of work I love travelling, camping and being close to nature. I love learning about other cultures and religions as it is enriching and helps with understanding of others. I also enjoy live music, cinema and theatre.

I am also fluent in Polish and happy to conduct meetings in this language.

Mortgage & Protection Adviser

Karen Ramirez (nee Dolling)

Contact Karen

Email: karen.ramirez@imab.net

Telephone: 01727 893999

About Karen

After working for Lloyds TSB for 7 years, I joined iMAB in 2007 as an Independent Mortgage & Protection Consultant in the St Albans Office, Hertfordshire.

Having been in this role for a number of years, I have a multitude of loyal clients; many self-employed and clients that work as contractors, for whom I’ve arranged many mortgages on both a residential and buy to let basis. I continue to arrange mortgages for these clients, even years after they have moved away from the area and now live in various parts of the country.

I live in Leighton Buzzard, Bedfordshire with my 2 sons. I love and appreciate the time I spend with my family, but in my own time, I enjoy running, listening to music and playing touch rugby.

Mortgage & Protection Adviser

Dan Leto

Contact Dan

Email: dan.leto@imab.net

Telephone: 07970 720623

About Dan

Dan is part of the team who founded Ingram Finance Limited, a trusted mortgage and protection firm built on a straightforward, client-first approach to advice. Now part of IMAB, Dan continues to operate under his own brand while benefiting from the support, infrastructure and expertise of a wider, established brokerage. This enables him to deliver tailored mortgage and protection solutions with the same personal service, backed by enhanced resources and industry insight.

Mortgage & Protection Adviser

Bob Rixon

Contact Bob

Email: bob.rixon@imab.net

Telephone: 01494 510501

About Bob

I have been working in the mortgage industry for almost 30 years and have been part of iMAB since 2003. Many of my clients are in the media, theatre, music and entertainment industries, which always keeps things interesting!

As well as advising on regular residential and buy to let mortgages, I also offer equity release advice to older clients, which has been a growing part of business in recent years.

When not working, I enjoy long country walks, going to the theatre and playing guitar in my noisy band!

Mortgage & Protection Adviser

Dan Curtin

Contact Dan

Email: daniel.curtin@imab.net

Telephone: 07867 798559

About Dan

I have been a mortgage adviser in Stevenage and Knebworth for 18 years and have dealt with well over 1200 mortgages throughout Hertfordshire and Essex and other parts of the country. I’m fully qualified to offer protection advice as well as mortgage advice and can also provide Wills to give an all-encompassing service. I am able to offer evening appointments as well as home visits to assist around work schedules.

I’m married (18 years and counting) with two kids, whose football teams I coach. I also run a team in the local 7-a-side league and enjoy playing veterans’ football. I like to spend my hard earned salary on Lego, to help unwind, and travelling with the family, when we are able to again!

The FCA does not regulate wills

Mortgage & Equity Release Adviser

Darren Constant

Contact Darren

Email: darren.constant@imab.net

Telephone: 01223 987742

About Darren

I have been giving Mortgage and Equity Release advice for the last 5 years after qualifying in 2019. I have a vast experience in the property industry – ranging from estate agency to property development – which gives me a wide knowledge of all aspects of the sector. My passion lies in Later Life lending, knowing that this can help people nearing or entering retirement stay in their own homes.

If I am not thinking about mortgages or spending time with my family, I enjoy motorsport, from watching to racing. Through my involvement with motorsport, I have been supporting the mental health charity CALM, so I am delighted that iMAB supports The Ollie Foundation.

Meet Our Administration Team

Client Support Associate

Lucy Ginger

Contact Lucy

Email: admin@imab.net

Telephone: 07984 415947

About Lucy

I joined the admin iMAB team in 2014 to kickstart my career and learn a new industry as I started off with little knowledge other than having my own personal mortgage and protection insurance. Over the years I have thrived in my role continuing to develop new skills which now allows me to support on the processing of applications for the advisers.

I find my role rewarding, no two days are the same, and the satisfaction of knowing I have helped a client complete on a purchase or remortgage is invaluable. The pandemic has also allowed me to develop other skills such as learning to work remotely and communicating with the iMAB team without being able to see them face to face. I have also found walking my dog at the weekend has been a great way for me to keep fit and ensure I am focusing on my wellbeing in such unprecedented times.

Client Support Associate

Natalia Fos

Contact Natalia

Email: client.support@imab.net

Telephone: 01923 547430

About Natalia

I have been working at iMAB since 2016 originally starting as a Receptionist. I have since progressed to a Mortgage & Protection Administrator working at both our St Albans & Watford Branches.

My attention to detail gives me the ability to be thorough and accurate whilst processing all types of applications from Residential Mortgages, Buy to Lets, and Protection. I am eager to help clients get through to completion by liaising with all parties creating the smoothest transition possible.

As a first time buyer in St Albans I am kept busy setting up our new home. I enjoy going to the gym and spending my time at the stables.

I also love cooking and connecting with my Spanish roots trying to recreate my Grandparents Recipes.

Client Support Associate

Jane Eames

Contact Jane

Email: jane.eames@imab.net

Telephone: 01438 360040

About Jane

I’ve worked for Adrian as his admin assistant in the Stevenage office since early 2015. I love organising (you can’t beat a good spreadsheet!), which helps me contribute to a hassle and stress free experience for our customers.

When I’m not at work, I spend as much time as I can gardening.

Client Support Associate

Emily Eames

Contact Emily

Email: admin@imab.net

Telephone: 01438 360040

About Emily

I joined Adrian’s admin team in the Stevenage office in July 2020. It’s my first job since graduating from university and I’m greatly enjoying it. My favourite task at work is thoroughly checking and organising documentation from our customers.

Outside of work, I love gardening and listening to banging tunes.

Client Support Associate

Marcelina Sowa

Contact Marcelina

Email: client.support@imab.net

Telephone: 01923 547430

About Marcelina

Coming Soon!

Client Support Associate

Shelby Harding

Contact Shelby

Email: client.support@imab.net

Telephone: 01923 490990

About Shelby

I joined iMAB in 2009 as part of the administration team and then went on to complete my CEMAP.

I have always been employed within customer focused roles and very much enjoy talking to people and doing my utmost to ensure they have the best customer service experience possible.

I love holidays, Zumba and reading. When not engrossed in those pastimes or working, my time is kept busy with my husband and teenage daughter and you’ll often find us sharing our love of films together or enjoying all things “Friends”.

Meet Our Management Team

Director

Nick Wood

Contact Nick

Email: nick.wood@imab.net

Telephone: 01923 547430

About Nick

I joined the Halifax in 1992 and have worked in financial services ever since. In January 1997, I made the decision to leave the bank and open the first iMAB office, as I wanted to offer customers independent mortgage advice on the high street. Thankfully, twenty years later, that still looks the right decision!

I am married with two young sons and a house full of animals. I occasionally manage to fit in a bit of football, golf or tennis when I’m allowed!

Head of Sales & Operations

Phil Saville

Contact Phil

Email: phil.saville@imab.net

Telephone: 01727 893999

About Phil

I have worked in the mortgage industry since 2001 and joined iMAB as a mortgage & protection adviser in 2006. Initially, I spent 5 years advising from our Watford branch before moving across to manage St Albans in 2011. I now manage both offices, as well as handling iMAB’s compliance and regulatory requirements.

I am married with one son and currently reside in Dunstable, Beds. Outside of work, my hobbies include sports of various kinds, and much of my time is spent attending my son’s sporting events. Live music is also a keen passion of mine.

Head of Case Management

Sue Streets

Contact Sue

Email: suzanne.streets@imab.net

Telephone: 01923 547430

About Sue

After starting my career in Barclays in 1997 I joined iMAB as a part time administrator in 2011 at the St Albans office.

I am a fully qualified Mortgage Adviser, however, I have moved across to the Administration and Compliance side of the business and currently manage the Case Handling Team here at IMAB

I live in Pinner, and I am married with two children. I enjoy spending time with my family as well as travelling and socialising with my friends.

Really knowledgeable and approachable team. Communication was prompt and the use of their online platform made providing required information and documents very straightforward.

Martin Adams

The best mortgage advisor company ever! Karen at IMAB is honestly one of the most helpful, consistent and hardworking people I have ever had the pleasure to deal with. 

Louis Mills

Amazing service from the team at IMAB. Want to thank Karen and Emily for their help throughout the process. Very supportive, knowledgeable, patient and professional team, would highly recommend them to anyone. 

Kim

We've worked with Carol @ IMAB on two different house purchases now over the course of around 5 years, and she's been fantastic for both. She helped us (two people who are 'maths challenged') understand the basics; find a good...

SK

There are no words to say how this company has helped us, throughout the years and especially this year with the sale and purchase of our new home. Karen has been incredible to say the least!! We have been with them since...

Olympia

Repeat customer, wouldn’t use anyone else. We’ve used IMAB a few times now and they are our go-to choice and recommendation. We’ve mostly dealt with Karen, but have everyone we speak to be extremely helpful, often...

Nicholas Akass

Brilliant! A colleague recommended I speak to Karen for mortgage advice when buying my first home and I would recommend anyone else to do the same. I had regular contact with Karen, everything was explained so well...

Esther C

Communication is always the key. Karen made complex communications simple. We appreciate this. Despite this digital age we were able to navigate the complexity with relative ease.

Bill Watson

I would recommend IMAB to anyone who needs advice in regards to their mortgage, Karen and Emily helped me throughout my process and the service I received was amazing, responses were fast and helpful in giving...

Harry Batstone

I used IMAB 5 years ago after they were recommended by a colleague and they did not disappoint. I was constantly kept up to date and couldn’t speak to someone whenever I wanted. So when my mortgage renewal came up...

John

Dan was helpful and thorough throughout our remortgage process providing clear and accurate information at all times. Highly recommended for anyone looking for independent mortgage advice.

Lewis Green

Carol and the team at IMAB have always been exceptionally helpful and knowledgeable when arranging our Buy to Let re-mortgages, providing useful market insight and proactively managing the process from start to finish.

Maxwell Morais

Excellent service from Carol and Emily. They kept us informed throughout and provided speedy resolutions to any issues that cropped up.
Highly recommended!

Lauren & Richard

Excellent service, our mortgage advisor Luca has been exceptional, - communication either by email or in person. Luca advised us what interest rates were available from various lenders and went through the process...

Tracey

I used Adrian 5 years ago and when I was due to remortgage again i went straight back to him and he has been amazing again. He is always happy to help with my questions and provides a brilliant trustworthy service.

Rachel Bird

Adrian was so helpful in the process of getting us a mortgage. It was tricky at times but Adrian made it happen and we couldn’t be more grateful! He was extremely knowledgeable, patient and always available to help me with...

Jessie Burden

Fantastic job by Luca, he found us a great mortgage offer, which was accepted this week. We had a slightly complicated situation as we were waiting for payment of an inheritance, which was being held up, but luca kept...

Rachel Pidoux-Smith

Another 5 star effort. This is the third mortgage I have used them for, all needing slightly different requirements and flexibility. More than happy with the process, service and results. Would not go anywhere else.

Anthony Scott

I was informed at every stage , great communication and understanding of my requirements. I can’t speak highly enough of the advice given by my personal advisor. Advice given to help understand every aspect of the process.

Warren Hamilton

My difficult case was cracked with ease by Darren. His commitment throughout whole process of buying my first home was unmatched. Everything was on point. Definitely highly recommended.

Adam Of