First time buyers

Paul Ritchie

Paul has been an industry-leading mortgage broker for over 15 years. He started out working for one of the largest independent estate agencies in London before becoming an Independent Financial Adviser.

Prior to bringing PIA Financial Group into the regulated market, Paul ran his own successful mortgage company for a number of years.

Paul is Director of the residential mortgage team and is responsible for onboarding, training, compliance, business development and supervision.

Emilia Spano

Emilia has over 30 years’ experience in various fields within the financial services industry. This includes domestic, treasury and mortgages in major high street banks before becoming Account Director at a prominent financial services provider.

Emilia has been with PIA Financial Group since inception and has excelled on behalf of our high net worth client base and in her relationships with private banks alike.

Andrew Nicolaou

Andrew has over 10 years’ banking experience within a major high street bank; advising on mortgages and protection products. For the last three years of those, Andrew managed and developed his own team of advisers.

Andrew has been with PIA Financial Group since its inception and has recently accepted the position of Associate Director within the firm. He prides himself on his customer relationships and is focused on business development.

Warren Pringle

Warren started out in the sales team of a market-leading financial publishing and analytics company, before starting a successful sales career in the City. He consistently exceeded targets and expectations across several roles, latterly as Account Manager for multi-million pound accounts on behalf of a global shipping company.

Warren has been with PIA Financial Group from day one and has recently accepted the role of Associate Director; seamlessly working across our residential and commercial customer base. He has an excellent eye for detail and a can-do approach which motivates colleagues and clients alike.

Ryan Mankelow

Ryan is our newest Associate, working predominantly within our residential team. He has already gained a vast amount of knowledge, going the extra mile and looking to build lasting relationships with our client base, first time buyers and buy-to-let landlords alike.

Ryan graduated with a degree in Business at the University of Kent before securing a role in procurement with a leading UK food distributor.

We are delighted that Ryan has decided to break into the world of finance and it’s clear his enthusiasm will be the catalyst for his success.