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John Studman

Senior Consultant Mortgages & Equity Release


I am a fully qualified & experienced “whole of market” adviser for both mortgages and equity release. I hold the Certificate in Mortgage Practice (CeMAP), Certificate in Equity Release (CeRER) as well as the Diploma in Financial Planning (Dip PFS).

My entire career has been in the mortgage and equity release industry. Initially a Branch Manager with Cheltenham & Gloucester and then over 20 years ago, I jumped ship to become an independent adviser, working initially at Birmingham IFA firm Webb Holton, then running the national mortgage desk at PKF Financial Planning (Pannells Financial Planning) for over 12 years.

Over five years ago I had the good fortune to join the team at Heritage IFA who I had known and for whom I had already provided mortgage services for many years.

Throughout my career, I have dealt with all aspects of the mortgage market – house purchases and remortgages for both owner-occupation and buy-to-let, as well as “later life” lending solutions such as retirement interest-only (RIO) mortgages and equity release.

personal interests

Outside of work I am a rugby & cricket fan – supporting Northampton Saints for many years and getting to Edgbaston to see any format of cricket whenever time (and the family) permit.

In what little remaining time I have available, I seem to provide an unpaid taxi service to my teenage daughter!