MISSION & HISTORY.

meet the gingers.
nic & steve williams.
partners in business...and marriage
We are Ginger finance – Your local independent partner in mortgages + protection
Founded by a team of locals in Milton Keynes—my husband and I—but it wasn’t always that way.
Ginger was a long term dream born on a family holiday with friends in 2017.
We had a stay at home mum, a self employed accountant, a police man and corporate highflyer in the mortgage world.
The dream became a reality in 2022 when sadly one quarter of the Ginger team passed away.
It was then left to the stay at home mum, me, to step up and make this dream a reality.
This sudden passing of a friend, along with a family dynamic that was struggling due to the corporate world breaking our work / life balance spurred us on.
This is Ginger.
We aim to be a one-stop shop for financial services.
Our vibrant Ginger branding reflects our commitment to stand out in a crowded marketplace.
We believe in speaking your language—no confusing jargon, just straightforward, honest advice.
You won’t find us in corporate attire; we’re here to connect with you as real people.
Talk to ginger.


steve.
Steve Williams - CeMAP
Steve submitted his first mortgage in 2004 on Bedford High Street before going on to hold senior roles in two of the big five banks in his 20s and early 30s.
Steve went on to work within Estate Agency based Financial Services as Financial Services Director, and then Managing director within the largest Independent Property Group in the UK.
As Gingers go, we feel you are in good hands with Steve.
nic.
Nicola Williams - CeMAP
Nic has been self employed for several years, and decided to move into the mortgage and protection world a few years ago by undertaking her CeMAP qualifications.
Coming from a self employed background Nic understands the different aspects and challenges her self employed counterparts encounter.
Her favourite part of the job? Getting to meet new people and being able to help and support them.

Ginger Finance provides expert mortgage, protection and insurance advice. Ginger Finance is a trading name of Just Mortgages Direct Ltd and Ginger Finance is the name under which we carry out these services.
Ginger Finance is not a business in its own right, it is part of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited. Pear Financial Services Limited was set up in 2015 and has been part of The Openwork Partnership since 2016.
The Openwork Partnership is one of the UK’s largest Financial Advice networks, with over 4,500 advisers and in excess of 700 appointed representatives based throughout the UK.
Our advisers at Ginger Finance will get to know your individual circumstances, establish what your goals are and what the right mortgage and protection arrangements are for you.