Meet the team

Two people.
One Yorkshire firm.

Excel Money is small by design. Two directors, both with their hands on every case. No junior staff substituting for principals, no overseas call centres, no automated decisions.

Talk to Andy or Jayne → 0800 448 0298

Andy handles the advice and gets your application off to the right lender. Jayne handles the underwriting back-and-forth and chaperones every case to completion. Between them: over fifty years of combined mortgage industry experience, and a small mountain of "we got a yes" stories from people the high street had said no to.

Director · Mortgage Advisor

Andrew Billups "Andy" to everyone who's ever met him.

In the mortgage industry since the day he left school, in 2001.

Andy runs the advice side of Excel Money. He's the voice on the phone when you first ring, the person who'll ask the awkward credit questions early, and the one who'll personally pick up the phone to a specialist underwriter when your case needs a human nudge rather than a portal submission.

His hobbies, however, are far from mortgages, and mostly revolve around football. Andy is the manager and chairman of his beloved Swinton Athletic FC. If you recognise his mugshot above, that's probably because you've seen him at one of the many Swinton pub quizzes (the only thing he loves more than saving you money on your mortgage).

Rest assured though: your mortgage will always come first. And with his business partner Jayne on hand to drive the case through underwriting and completion, you're with the safest possible company either way.

In finance since 2001 Swinton Athletic FC manager & chairman Pub-quiz regular Born & raised in South Yorkshire CeMAP qualified

Director · Underwriter · Completions Specialist

Jayne Merner the second half to Excel Money.

In finance by chance since 2009, and indispensable ever since.

Jayne's career in finance started by chance back in 2009, but she quickly found her niche supporting clients through the parts of a mortgage that everyone else finds boring: the on-going solicitor discussions, the underwriter queries, the insurance requirements, the "what does this form mean?" questions. She is the reason cases that should take months complete in weeks.

By day she is Excel Money's Director, Underwriter and Completions Specialist. But most importantly, she is a mum to two grown-up children and a Nannie, who she loves spending her free time with. Born and bred in South Yorkshire, she's definitely the person to see when looking for a property locally.

(If you can get past the fact she's a Liverpool FC supporter. We've tried. It's a work in progress.)

In finance since 2009 Underwriting & completions specialist Mum & Nannie Born & bred South Yorkshire Liverpool FC supporter

How we work together

One case. Two specialists.

Most brokerages have one person doing everything badly, or twenty people doing one thing each so nobody knows your case. We split the work between two specialists, and we both stay on it from first call to keys.

Andy handles

Advice & placement.

The first phone call & fact-find
Whole-of-market sourcing
Building the case for the underwriter
Negotiating with specialist desks
Decision in Principle & full application
Renewal review every two years

Jayne handles

Underwriting & completion.

Document gathering & case packaging
Underwriter queries & clarifications
Solicitor liaison through to completion
Insurance & protection arrangement
Lender condition discharge
The "is everything OK?" calls in week six

By the numbers

Decades of getting it done.

Real outcomes for real people. The same two faces, every time.

2023

Excel Money
founded in Barnsley

3,200+

Approved cases
between us

£487m

Lent through us
across the team

94%

Placement rate
on adverse cases

What we believe

Five values, one promise.

Everything we do, every call, every case, every recommendation, comes back to these.

Confident

We know our stuff and get results. Decades of placing the cases the high street rejects has given us calm, evidence-backed expertise.

Supportive

We're here to guide, not judge. There is no question too small, no situation too embarrassing. The first call is confidential, and without obligation.

Clear

No jargon, no double-talk, no fine-print surprises. Everything important goes in writing, in plain English, before you commit a penny.

Positive

We focus on solutions and progress. If we genuinely can't help, we'll tell you, and where possible, we'll point you somewhere that can.

Trustworthy

FCA-regulated, fully insured, with a real office and a real telephone. Your goals are our priority. The money is a by-product of doing right by you.

The firm

Where we are. Who we serve.

Excel Money Limited is the trading style of The Mortgage Shop (Barnsley) Limited, an independent intermediary firm authorised by the Financial Conduct Authority (firm reference 450713). We have one office, in South Yorkshire, and we work across the local area by appointment, and the rest of the UK by phone.

A meaningful proportion of our new clients arrive on the recommendation of a previous client. That's the proof we point to: people who've been through the process, telling their friends to do the same.

When you instruct us, you instruct Andy or Jayne, directly. No middle-people, no handovers, no "I'll get someone to call you back."

Have a chat →

Our office

Excel MoneyOffice 23, Silkstone House
Pioneer Way, Wath upon Dearne
S63 7JZ

0800 448 0298info@excelmoney.co.uk

Mon–Fri · 9am–6pm
Weekends by appointment
Andy works most Sundays

FCA 450713 FOS member FSCS protected

Two people.One Yorkshire firm.