Broker Focus: Pam Brown, Owner, Pam Brown Mortgages

Describe your business in a few sentences.

We are a very active small family business in the heart of Bicester. I have been in the business for almost 20 years and focus on mortgages. I have also worked closely with my personal assistant for almost 12 years, Vicky Rock, and my daughter, Nina, who after completing her Masters decided to go into the business and develop the protection part.

Luckily, Nina loves the job and breaks it too! My son Joe just passed his CeMap 1 exam and, having completed 2 and 3 shortly, will be joining me as a mortgage broker.

We are passionate about our customers’ travels and treat everyone as we would like to be treated. We are also proud to be part of the Primis mortgage network. They guide me along my path.

What made you decide to become a broker?

I previously worked as a recruitment consultant in London so I was very used to working in a fast-paced environment and working with the public. After starting a family I moved to Oxfordshire and wanted to be able to work from home while taking care of my daughter.

Buying my first home and making a good deal with my mortgage broker was the start of my mortgage career and I haven’t looked back since.

I think all companies should help people wishing to enter this industry with their CeMap qualifications

I am still as passionate about my job as when I started. I love the rewarding feeling of helping people buy their first home and watching their family grow over the years, or helping someone save thousands of dollars by getting them a better deal. It’s an incredible feeling.

What plans do you have for the future of your business?

My plans are for my business to continue to grow and for my two children to be more successful than their mother.

Having a bigger team now means we can expand into different areas and help even more clients, which we look forward to.

What could lenders do to make the life of a broker the best?

This is an easy question to answer: please give us access to the underwriters.

Some banks and mortgage companies have understood this well, but others leave us to have to decipher their message and their demands.

I also think there has to be continuity for each case, with the same insurer handling each mortgage, because sometimes you get different requests for the same case from different insurers.

What advice would you give to a new broker?

Try, try and try again! Don’t let the bad days overwhelm you or make you give up. It’s a great career, with so many positives. Remember to treat everyone the way you would like to be treated.

Make sure to join a network like Primis, where you will receive ongoing training and support and always have a staff member or other broker who will be happy to help and guide you.

How can the industry encourage a new influx of brokers?

I encouraged my children to join Pam Brown Mortgages for several reasons.

For my daughter, it was because I wanted her to be able to work part time when she started a family while earning a good salary.

My son was for a different reason. He has Crohn’s disease and can get sick sporadically, so I wanted him not to have the pressure of a 9 to 5 job as an employee.

It’s a great career, with so many positives. Remember to treat everyone the way you would like to be treated

Being a mortgage broker means having the ability to work from home as and when needed. As the last 18 months have proven, we no longer need to see customers face to face and everything can be done remotely thanks to the world of Zoom.

As for the industry, I think all companies should help people who want to enter this industry with their CeMap qualifications.

This support could include courses and training days, as well as financial assistance for required mortgage and protection qualifications.

If you would like your business to be listed in Broker Focus, please send an email Mortgage strategy Deputy Editor Gary Adams at: [email protected]

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