Meet the Fairview Financial team

Luke Tomkotowicz

Founder and Managing Director🔹 Mortgage and Protection Adviser

Luke has worked in Financial Services for many years and founded Fairview Financial in 2017 with a simple mission: to build a truly client-first mortgage advising business rooted in honesty, integrity and clarity.

While Luke is an expert in all areas of lending, he is at his best when things get a bit more "outside the box." If you’ve been told your situation is too complicated elsewhere, Luke is the person you want in your corner. He has a real passion for specialist and niche mortgages—whether you are self-employed with complex accounts, have adverse credit history, or are navigating a unique property type. He thrives on the "no stone unturned" approach, digging into the details to find solutions for clients that many other brokers might shy away from.

Luke’s analytical mind and deep knowledge of lender criteria mean he doesn’t just find you a mortgage; he finds the right mortgage, no matter how intricate your circumstances may be.

When he’s not untangling complex mortgage cases, Luke enjoys a round of golf, travelling the world, and spending quality time with his family. You’ll also often find him exploring the Cotswold countryside with Rocky, his much-loved (and very energetic) adopted terrier.

CONTACT LUKE:

Tel: 01242 697821 | Email: luke@fairviewfinancial.co.uk

Laura Healy

Mortgage and Equity Release Adviser

With nearly two decades in financial services, Laura has seen just about every scenario the mortgage world can throw at her. She brings a massive wealth of knowledge to the Fairview team, but what really sets her apart is her ability to make even the most complex financial jargon feel simple and manageable.

Laura is our "go-to" expert for later-life lending. She has a deep understanding of Equity Release and the various options available for those looking to make the most of their hard-earned assets in retirement. Having worked for several leading banks before joining us, she knows exactly how the big lenders think, giving her clients a clear advantage when navigating the market.

Her real superpower? Connecting with people. Laura doesn't just look at affordability calculators, she listens to your story to ensure the advice she gives is as personal as it is professional. Whether you’re a first-time buyer or looking at retirement options, you’ll find her advice clear, confident, and always in your best interest.

When she’s not helping clients secure their future, Laura enjoys eating out, cooking, and attending music and comedy events. Most of all, she loves spending time with her daughter, Isla as well as her friends and family.

CONTACT LAURA:

Tel: 01242 697821 | Email: laura@fairviewfinancial.co.uk

Emily Bourgeois

Mortgage and Protection Adviser

Emily is a true all-rounder with over a decade of experience in the mortgage industry. Having spent years in advisory roles for both major high-street banks and specialist brokerage firms, she knows the mortgage process inside and out—from the very first "hello" to the moment you get your keys.

What makes Emily stand out is her versatility. She’s just as happy helping a first-time buyer take those exciting initial steps as she is untangling a case for a client with complex income streams or adverse credit. She knows that life isn’t always a straight line, and she takes great pride in providing a steady hand and expert guidance for those whose circumstances don't fit into a standard "box."

Emily is known for her friendly, down-to-earth approach and her meticulous attention to detail. She takes the time to really understand each client’s circumstances and explains things clearly, so clients feel informed, supported and confident every step of the way.

Emily’s home life is just as busy as her work day! She’s kept on her toes by her two young children, her lively Spaniel, and the family cat. When she does find a quiet moment, she loves long dog walks, experimenting in the kitchen, and hosting lively dinners for her friends and family.

CONTACT EMILY:

Tel: 01242 697821 | Email: emily@fairviewfinancial.co.uk

Rachel James

Mortgage and Protection Adviser

Rachel brings a wealth of experience and insight to the Fairview Financial team. She started her journey at a building society and quickly made a name for herself in the industry. In fact, while working for one of the UK’s largest property services groups, she made history as the youngest-ever Associate Director appointed by the company—a testament to her drive and her deep understanding of the mortgage market.

Rachel is a specialist in all areas of residential lending, but she really shines when it comes to the details of Buy to Let, Shared Ownership, and Self-Employed mortgages. She understands that these aren't just transactions; they are major life milestones. Her approach combines that high-level professional expertise with a genuine, caring touch, ensuring you feel supported from your very first inquiry to the day you move in.

If you’re looking for someone who knows the "inner workings" of the industry but will treat your mortgage with the personal care it deserves, Rachel is the perfect person to have on your side.

Life at home is just as vibrant as life at the office for Rachel! She stays busy with her three children and two dogs. When she manages to find some "me-time," she loves heading to the beach, long countryside walks, and enjoying a glass of fizz with her friends and family.

CONTACT RACHEL:

Tel: 01242 697821 | Email: rachel@fairviewfinancial.co.uk

Victoria Hurst

Mortgage and Protection Adviser

Victoria has been a fixture in the financial world since she was 18, starting her career as a bank cashier and working her way up to becoming a personal banker. This "from the ground up" experience gave her a front-row seat to how banks operate, and it sparked a lifelong passion for helping people reach their property goals.

After qualifying as a mortgage consultant, Victoria spent years advising for major high-street banks and managing relationships for high-net-worth clients. This means she is just as comfortable handling large, intricate portfolios as she is helping a first-time buyer navigate their very first mortgage.

Whether you are looking to remortgage, invest in a new property, or step onto the ladder for the first time, Victoria takes the time to truly listen. To her, a mortgage isn’t just a product; it’s about finding the right fit for your unique life story.

When she’s not securing the best deals for her clients, Victoria is usually planning her next adventure. she loves to travel—with a particular fondness for cruise holidays with her family. Back on dry land, she enjoys catching up with friends over a few cocktails.

CONTACT VICTORIA:

Tel: 01242 697821 | Email: victoria@fairviewfinancial.co.uk

Rebecca Durn

Case Manager

Every successful mortgage needs a master of the details behind the scenes, and for Fairview Financial, that’s Rebecca. With an exceptional background in mortgage administration, she is the person who keeps the wheels turning and ensures every application is "audit-ready" from day one.

If there’s a spreadsheet involved, Rebecca is in her element. She is famously efficient and has become our absolute go-to expert for all things mortgage compliance. In an industry full of red tape, Rebecca’s meticulous attention to detail means nothing is left to chance. She manages the journey from application to completion with a steady hand, liaising directly with solicitors, estate agents, and lenders so you don’t have to.

Rebecca’s mission is simple: to make the "boring" part of the paperwork feel seamless and stress-free for you. Her commitment to getting things right the first time is what makes her such an invaluable part of the Fairview team.

Outside of the mortgage world, Rebecca loves a quiet life. She’s a fan of binge-watching a good Netflix documentary, spending time with her cat, and escaping into a great book in the garden.

CONTACT REBECCA:

Tel: 01242 697821 | Email: rebecca@fairviewfinancial.co.uk

Kelly Carpenter

Case Manager

Kelly joins Fairview Financial with over a decade of deep-rooted experience at a major banking group, bringing a wealth of technical expertise to the team. With an extensive background in analyst roles and mortgage fraud prevention, she has a fantastic eye for detail and a natural instinct for spotting the "fine print".

As a Case Manager, Kelly is dedicated to supporting our advisers and guiding clients through their mortgage journey from start to finish. She is a proactive communicator who thrives in a fast-paced environment, ensuring that every application is handled efficiently and every deadline is met with ease. Her goal is to make the administrative side of the journey feel seamless, using her proactive approach to keep everything running like clockwork.

Outside of the office, Kelly likes to stay active at her local gym and loves hitting the pavement for a run. She is a keen traveller who is always looking for her next adventure and enjoys getting lost in a good book. Above all, she treasures relaxing and spending quality time with her family and friends.

CONTACT KELLY:

Tel: 01242 697821 | Email: kelly@fairviewfinancial.co.uk

Claudia Duman

Operations Director

Claudia has been at the heart of Fairview Financial since day one. Working alongside her partner, Luke, she helped build the company from the ground up, and today she’s the driving force that keeps our day-to-day operations running like clockwork.

If there’s a way to make things faster, smoother, or more efficient for our clients, Claudia will find it. She has a real passion for streamlining the "behind-the-scenes" tech and automation, but she has one golden rule: efficiency must never come at the expense of the personal touch. For Claudia, the ultimate goal is ensuring that every client feels supported and every member of the team has exactly what they need to deliver 5-star service.

She is the glue that holds the office together, ensuring that as Fairview grows, we never lose that friendly, family-run feel that our clients love.

When she’s not refining our business processes, Claudia is often found in the garden or the kitchen - her friends and family can vouch for the fact that her home-baked treats are second to none! She’s also a talented amateur photographer with a particular eye for architecture, a hobby she loves to indulge in whenever she’s travelling.

CONTACT CLAUDIA:

Tel: 01242 697821 | Email: claudia@fairviewfinancial.co.uk

Rocky

Chief Happiness Officer & Head of Barketing

Rocky may lack formal financial qualifications, but he is easily the most enthusiastic member of the Fairview team. As our Chief Happiness Officer, he is responsible for maintaining office morale, managing "biscuit security," and providing mandatory head-scratching breaks for anyone staring at a computer screen for too long. He’s an absolute expert in treat-based lending and specialises in high-energy greetings for every visitor.

While he hasn’t quite mastered the difference between a fixed and tracker rate, Rocky leads by example when it comes to work-life balance—usually by demonstrating the perfect strategic nap under Luke’s desk. When he’s not "working," he can be found exploring the Cotswold countryside, chasing tennis balls (with varying levels of success), and trying to convince the team that he definitely hasn't had his lunch yet.

WHAT SETS US APART

Why Clients Choose Fairview Financial

Access to the Whole Market

As independent brokers, we’re not tied to any lender. We search the whole of the mortgage market, working with over 90 lenders and thousands of products, to find the right solution for your circumstances.

Experience Where It Matters

Our team brings decades of combined experience, including complex cases many brokers avoid. Every recommendation is fully independent and based on what’s right for you, not what’s easiest.

Personal Support from Start to Finish

You’ll never be passed around. From your first enquiry through to completion, you’ll have a dedicated broker and case manager handling the paperwork, chasing progress, and keeping things moving.

Your Information, Securely Handled

Your data matters. Our encrypted client portal lets you upload documents and track your application securely, giving you peace of mind at every stage.

Advice That Fits Your Schedule

Mortgages don’t always fit into office hours. That’s why we offer flexible appointments, including evenings and Saturday mornings, so you can get advice when it suits you.

Trusted by Hundreds of Clients

With over 400 five-star reviews, our reputation is built on clear advice, honest conversations, and results. Clients recommend us because we put their interests first, every time.

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Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

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Our Fees

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.