Who we are

The team at PIA Financial Group has vast experience, with a combined banking and mortgage background spanning over 170 years. We pride ourselves on going the
extra mile for you in terms of service and performance. Our expert understanding of property investment, development and property lending criteria means we can assist you by structuring proposals that are attractive to both you and your lender.

We have built an extensive network of banks and other specialised property lenders and we can access senior mezzanine debt and equity funds tailored to your specific needs.

By understanding the appetite and methods of lenders, we can match the right lenders to your home, development or investment, thus increasing the likelihood of success for your project.

Regulated and Authorised by the FCA and members of the National Association of Commercial Finance Brokers, we pride ourselves on maintaining the highest possible standards of service.

OUR TEAM

Andrew Nicolaou

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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 he prides himself on his customer relationships and is focused on business development.

Emilia Spano

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Emilia Spano

Emilia has over 30 years’ experience within the financial services industry. She has worked in retail banking, treasury and mortgages with high street banks such as NatWest and Santander before moving on to become Account Director at a prominent third-party service provider to the finance sector.

Emilia has worked with PIA Financial Group since its creation. As Director, she manages several key functions of the business including risk, compliance, regulation and finance as well as playing a significant role in developing and driving the Group’s growth strategy.

Emilia also looks after the company’s considerable portfolio of regular HNW clients, ensuring that they always receive outstanding personal service.

Warren Pringle

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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; 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.

Zumi Farooq

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Zumi Farooq

Zumi is an experienced banking professional who started his career in 1994. He has built up a wealth of experience across a variety of roles including branch management, corporate lending and latterly secured real estate finance.

Zumi prides himself on being customer-focused and delivering solutions in line with need. He meticulously assesses and presents clients’ financial affairs; consistently delivering favourable outcomes.

An asset to the PIA team, Zumi has strong professional industry relationships that help to exact the results he achieves in this sector.

Michael Oats

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Michael Oats

Michael is a career banker and has worked in Commercial Banking for over 32 years, predominantly in the residential and commercial Real Estate sectors. He has a deep knowledge of development finance and the construction process and is adept at arranging and structuring multi-million pound funding facilities for a variety of clients from SME and larger house builders to HNWI and family offices.

Michael’s experience and understanding of development finance combined with strong relationships with most high street and specialist lenders ensures that PIA clients receive an exceptional service and access to the most competitive funding facilities.

 

 

 

Ryan Mankelow

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Ryan Mankelow

Ryan graduated with a degree in Business at the University of Kent before securing a role in procurement with a leading UK food distributor. He decided to break into the would of financial services and started at PIA in 2018.

Ryan works predominantly within our residential team and has gained a vast amount of knowledge, always going the extra mile and building lasting relationships with our client base, first time buyers and buy-to-let landlords alike. His drive and commitment and enthusiasm will be the catalyst for his success.

Anna Kontopyrghou

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Anna Kontopyrghou

Anna is an experienced and proactive real estate finance specialist, with over twenty years’ experience in corporate, commercial and retail lending roles across various sectors.  Before joining PIA Financial Group in 2019 Anna worked at Metro Bank, specialising in real estate finance where she became a top performing and award-winning Relationship Manager.

Anna is highly motivated and committed, together with her experience of working with intermediaries and an extensive variety of customers, she continues building and maintaining relationships with new and existing clients.

Jonathan Dibble

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Jonathan Dibble

Jonathan has worked in the banking sector for more than 20 years, gaining considerable experience in property investment and development funding across multi-million pound residential, commercial and mixed-use schemes with corporate and HNW clients.

Before joining PIA, Jonathan worked for Lloyds Banking Group in various Real Estate sector roles including positions in lending execution, project monitoring and drawdown expedition. Jonathan has a strong focus on delivering exemplary service and successful customer outcomes.

Hashmukh Bhudiya

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Hashmukh Bhudiya

Following a successful career with NatWest Banking Group spanning over 30 years, Hash kindly agreed to join PIA as Head of Administration in 2017.

His eye for detail is exemplary and his pragmatic and warm approach keeps us all in line with the minimum of disruption.

Gary Moore

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Gary Moore

Gary is an experienced career banker with a successful track record of creating and leading highly effective relationship and business development teams. Before joining PIA Group as Chief Operating Officer, Gary spent 37 years with Lloyds Banking Group, gaining a broad and deep understanding of business and real estate finance. By the time he left, Gary was Area Director of the London Real Estate team, and a mentor and lead for recognising and developing emerging talent across the Lloyds Bank SME & Mid corporate business.

As Chief Operating Officer, Gary is responsible for the smooth operation of the business and plays a key role in developing new and existing partnerships with clients and lenders. He shares his considerable relationship management experience with regular team coaching and development and works closely with the directors to ensure PIA Group’s continued growth and success.

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PIA Financial Group is made up of a team of skilled brokers able to help you with all of your finance needs. The team is comprised of ex-bankers who have an in-depth understanding of how lenders prefer propositions to be introduced.

Our team is well-known in the finance sector for our meticulous execution for both clients and lenders alike. Our associates are well-versed in commercial matters and will gladly assist you in an approachable and professional manner.

OUR LEADERSHIP TEAM

Emilia Spano

Director


emilia@piafg.co.uk

0203 867 7440

07808 527720

Emilia Spano

Emilia has over 30 years’ experience within the financial services industry. She has worked in retail banking, treasury and mortgages with high street banks such as NatWest and Santander before moving on to become Account Director at a prominent third-party service provider to the finance sector.

Emilia has worked with PIA Financial Group since its creation. As Director, she manages several key functions of the business including risk, compliance, regulation and finance as well as playing a significant role in developing and driving the Group’s growth strategy.

Emilia also looks after the company’s considerable portfolio of regular HNW clients, ensuring that they always receive outstanding personal service.

Gary Moore

Chief Operating Officer


gary.moore@piafg.co.uk

07856 427 020

/Gary-Moore

Gary Moore

Gary is an experienced career banker with a successful track record of creating and leading highly effective relationship and business development teams. Before joining PIA Group as Chief Operating Officer, Gary spent 37 years with Lloyds Banking Group, gaining a broad and deep understanding of business and real estate finance. By the time he left, Gary was Area Director of the London Real Estate team, and a mentor and lead for recognising and developing emerging talent across the Lloyds Bank SME & Mid corporate business.

As Chief Operating Officer, Gary is responsible for the smooth operation of the business and plays a key role in developing new and existing partnerships with clients and lenders. He shares his considerable relationship management experience with regular team coaching and development and works closely with the directors to ensure PIA Group’s continued growth and success.

OUR RESIDENTIAL BROKERS

Our residential mortgage team is authorised and regulated by the FCA. The director and team of residential mortgage advisers have over 35 years of experience in finding the right mortgages for clients. Our team offers a timely and professional service with the ability to find you the right mortgage product with the minimum of fuss.

TALK TO AN EXPERT TODAY

Warren Pringle

Associate Director


warren@piafg.co.uk

0203 867 7440

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; 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.

Andrew Nicolaou

Associate Director


andrew@piafg.co.uk

0203 867 7440

07808 527704

/andrew-nicolaou

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 he prides himself on his customer relationships and is focused on business development.

Ryan Mankelow

Senior Associate


ryan@piafg.co.uk

0203 867 7440

07808 527702

/ryan-mankelow

Ryan Mankelow

Ryan graduated with a degree in Business at the University of Kent before securing a role in procurement with a leading UK food distributor. He decided to break into the would of financial services and started at PIA in 2018.

Ryan works predominantly within our residential team and has gained a vast amount of knowledge, always going the extra mile and building lasting relationships with our client base, first time buyers and buy-to-let landlords alike. His drive and commitment and enthusiasm will be the catalyst for his success.

OUR COMMERCIAL TEAM

Our commercial team brings a wealth of experience to the table. Our financial acumen, together with our in-depth product knowledge, enables us to provide the most suitable products to meet all of your commercial financing needs.

TALK TO AN EXPERT TODAY

Gary Rand

Business Development Manager


gary@piafg.co.uk

0203 867 7440

07731 012019

/gary-rand

Gary Rand

Gary is an experienced and knowledgeable finance professional with a successful career spanning over 40 years. During this time he has performed senior roles in corporate lending and SME business development as well as numerous management roles in retail banking. Gary’s relationship with PIA Group began when he was working for Lloyds Bank and became an important lending partner on many of PIA’s early deals.

In his role as Business Development Manager, Gary is using his deep knowledge of the industry and considerable business development skills to support the growth of PIA Group’s commercial finance business and promote its bespoke services to new customers nationwide, including SMEs, property investors and HNWIs.

Zumi Farooq

Senior Associate


zumi@piafg.co.uk

0203 867 7440

07808 527727

/zumi-farooq

Zumi Farooq

Zumi is an experienced banking professional who started his career in 1994. He has built up a wealth of experience across a variety of roles including branch management, corporate lending and latterly secured real estate finance.

Zumi prides himself on being customer-focused and delivering solutions in line with need. He meticulously assesses and presents clients’ financial affairs; consistently delivering favourable outcomes.

An asset to the PIA team, Zumi has strong professional industry relationships that help to exact the results he achieves in this sector.

Warren Pringle

Associate Director


warren@piafg.co.uk

0203 867 7440

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; 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.

Andrew Nicolaou

Associate Director


andrew@piafg.co.uk

0203 867 7440

07808 527704

/andrew-nicolaou

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 he prides himself on his customer relationships and is focused on business development.

Michael Oats

Associate Director


michael@piafg.co.uk

0203 867 7440

07511 404293

/michael-oats

Michael Oats

Michael is a career banker and has worked in Commercial Banking for over 32 years, predominantly in the residential and commercial Real Estate sectors. He has a deep knowledge of development finance and the construction process and is adept at arranging and structuring multi-million pound funding facilities for a variety of clients from SME and larger house builders to HNWI and family offices.

Michael’s experience and understanding of development finance combined with strong relationships with most high street and specialist lenders ensures that PIA clients receive an exceptional service and access to the most competitive funding facilities.

 

 

 

Chris Spearing

Associate Director


chris@piafg.co.uk

0203 867 7440

07821 635171

/chris-spearing

Chris Spearing

Chris worked with Lloyds Banking Group for 35 years, most recently as a Relationship Director in their Real Estate division. He has extensive experience having worked with intermediaries and a wide variety of customers to provide a range of real estate finance solutions across residential, commercial and mixed-use assets in both investment and development sectors. He formed a strong relationship with PIA working on many Lloyds’ funded projects over the past years.

Even after all his time in the business, Chris still loves nothing more than to find great solutions for customers and get deals done. Now working with PIA Financial Group, he enjoys building strong, collaborative relationships with clients and their professional teams, working closely to understand the customer’s immediate requirements as well as their longer-term business objectives and delivering the funding they need. Deep industry knowledge, successful outcomes and excellent service are the keys to Chris’s ever-growing list of satisfied customers which include private individuals, family offices, corporate entities and many more.

Anna Kontopyrghou

Client Manager


anna@piafg.co.uk

0203 867 7440

07718 495351

/anna-kontopyrghou

Anna Kontopyrghou

Anna is an experienced and proactive real estate finance specialist, with over twenty years’ experience in corporate, commercial and retail lending roles across various sectors.  Before joining PIA Financial Group in 2019 Anna worked at Metro Bank, specialising in real estate finance where she became a top performing and award-winning Relationship Manager.

Anna is highly motivated and committed, together with her experience of working with intermediaries and an extensive variety of customers, she continues building and maintaining relationships with new and existing clients.

Jonathan Dibble

Client Manager


jonathan@piafg.co.uk

0203 867 7440

07808 527729

/jonathan-dibble

Jonathan Dibble

Jonathan has worked in the banking sector for more than 20 years, gaining considerable experience in property investment and development funding across multi-million pound residential, commercial and mixed-use schemes with corporate and HNW clients.

Before joining PIA, Jonathan worked for Lloyds Banking Group in various Real Estate sector roles including positions in lending execution, project monitoring and drawdown expedition. Jonathan has a strong focus on delivering exemplary service and successful customer outcomes.


PIA Financial Group Partners Team

PIA Financial Group Limited expands with the addition of a further Commercial Finance Team.

There are always opportunities to be found in the commercial property sector, but whether you are an experienced investor or a first-time commercial buyer, it’s vital to secure the right funding for your needs

 

TALK TO AN EXPERT TODAY FROM THE PIA FINANCIAL GROUP PARTNERS TEAM

Lakis Kasapis

PIA Financial Group (Partners) Ltd – Director, Founding Partner, Broker


lakis@piafg.co.uk

07917 105 909

/lakis-kasapis

Lakis Kasapis

Lakis is a hugely experienced career banker with over 23 years spent working with corporations and HNW clients in the property investment and development finance sector. He is committed to building strong, long-term relationships and delivering bespoke financial solutions with exemplary service.

Before founding PIA Financial Group (Partners) Ltd with Bambos Lambrou, Lakis was the Director of Property Finance at Cynergy Bank (formerly Bank of Cyprus UK) leading the specialist lender’s North London team of 22 bankers and managing combined lending commitments in excess of £1bn.

Lakis now enjoys working directly with clients and more than 140 lenders ensuring that his clients have access to the most competitive commercial property finance solutions meeting all their individual requirements.

Bambos Lambrou

PIA Financial Group (Partners) Ltd – Director, Founding Partner, Broker


bambos@piafg.co.uk

07821 635 628

/bambos-lambrou

Bambos Lambrou

Bambos has worked in banking for over 21 years, providing bespoke £multi-million property finance solutions to a wide variety of developer and investor clients across London and the South-East. Before founding PIA Financial Group (Partners) Ltd with Lakis Kasapis, Bambos worked with Cynergy Bank (formerly Bank of Cyprus UK) as a Relationship Director.

 

As well as leading a team of Relationship Managers, Bambos was also responsible for managing a £150m portfolio of property loan commitments and maintaining close relationships with some of Cynergy’s most active and successful developer, investor and broker contacts.

Today, Bambos uses his deep commercial finance experience and market knowledge to ensure his clients can access the competitive funding they need to thrive and grow.


ADMINISTRATION SUPPORT

At the heart of every successful organisation is the support team. Our administration team are highly experienced and competent who have our clients and team members at centre stage of their working day

 

TALK TO AN EXPERT TODAY

Hashmukh Bhudiya

Head of Administration


hash@piafg.co.uk

0203 867 7440

Hashmukh Bhudiya

Following a successful career with NatWest Banking Group spanning over 30 years, Hash kindly agreed to join PIA as Head of Administration in 2017.

His eye for detail is exemplary and his pragmatic and warm approach keeps us all in line with the minimum of disruption.