43 Telegraph Road, Heswall, Wirral, CH60 0AD
0151 342 3084
enquiries@conceptmortgages.net

Meet the Team

Christian Coventry

Managing Director

Christian has worked in the Property & Financial Services sector since 1994 and qualified as a Financial Adviser in the year 2000.


Having spent many years working as an Adviser Christian spent 18 months working as a Business Development Manger for Bank of Ireland Mortgages, which gave him further insight into the workings of the Mortgage Industry. In the summer 2006 Christian took a leap of faith and set up Concept Mortgages, which was the realisation of a long help ambition to own and run his own Independent Mortgage Advice company.


Christian has always provided straight forward, impartial, honest advice and endeavours to provide the best possible customer service to his clients, which is at the heart of everything Concept Mortgages is about.

Michelle Hawthorne

Office Manager

1991 was the year the World Wide Web came to prominence; Terminator 2 was in the cinemas and you could buy a pint of milk for about 30p! It was also the year that Michelle started work in Financial Services for NWS bank where she worked her way up to their Prestige Client department as a Senior Mortgage Underwriter, gaining valuable insight and experience along the way.

Michelle spent several years working in technical roles within financial services and her broad scope of expertise made her the ideal candidate to take on the weight of Concept Mortgages considerable administration burden, where her meticulous nature and eye for detail ensures the smooth running of this side of the operation. Michelle’s commitment to customer service is demonstrated by the numerous five star reviews she has received from our satisfied clients.

Mark Williamson

Mortgage Adviser

It was 2003 when Mark started his career in Financial Services working for Santander based at one of their busiest high-street branches. It was during this period Mark started developing the skills and passion that motivated him to become the mortgage expert that he is today!

Late into 2007 Mark took up a position in a thriving office for one of the country’s largest Estate Agency chains, part of the Sequence group. This allowed him to further enhance his knowledge of the inner workings of the housing market, knowledge that to this day he uses to the benefit of his clients whether buying, selling or simply looking for the best deals available. It was this knowledge and drive to be able to truly help those same clients that ultimately led Mark to Concept Mortgages.

In 2011 Mark joined Team Concept. During this time this he has enhanced his reputation locally and further afield by striving to provide the best advice and service to his clients, keeping their interests as the focal point of his efforts.


Nicola Coventry

Mortgage Process Manager

Having earned a degree in Media Studies from Lancaster University in 2000, Nicola went on to enjoy a rewarding career in media and recruitment, working her way to National Accounts Manager for Jobsite, the UK’s largest job hiring platform

With the growth of Concept Mortgages, Nicola joined the team in 2015 to assist with the day to day administration of the business. Nicola’s broad commercial experience brings a fresh perspective to Concept Mortgages and the operational direction of the firm.

Emma Shaw

Protection Specialist

Emma embarked on her giddy journey in Financial Services in 1997 working for the Nationwide Building Society as a Customer Service Adviser. Since the days of cool Britannia, Emma has had a fulfilling and varied career occupying some key roles across the charities and financial services sectors. However, it was at Vitality Life that Emma really found her passion and helped establish them as a leading health and life assurance brand across the North West region of the UK.
It was the Summer of 2020 when Emma decided to focus all of the experience into heading up the “Concept Protect” brand of Concept Mortgages, where she now works tirelessly to provide the best and most affordable insurance solutions to our clients.

Nick Gatti

Mortgage Adviser

Having studied at the University of Chester and successfully gained a Law Degree in 2008, Nick was eager to develop a career in property and finance. Nick managed to get his foot in the door working as Sales Negotiator for the Sequence group and having obtained his Mortgage Advice Certificate from the Chartered Insurance Institute, he quickly worked his way up to Senior Mortgage Consultant.
Nick spent the next decade working for some of the UK’s largest financial brands, over which time he amassed a wealth of knowledge and experience in all aspects the mortgage and home-buying and process. This gave Nick the confidence to take the next step of working in the specialist independent mortgage market and joined Concept Mortgages in the Autumn of 2020.

Find Out More Today

Looking to move home, buy your first house or want to find out more about what options may be available to you, then speak to Concept Mortages today.

Request a Free Callback

Contact Us

Simply fill in the form below or call us on 0151 342 3084 and one of our team will be on hand to help and advise you.