The Clear Choice for Specialist Finance

For over 45 years, we have supported UK mortgage brokers with tailored specialist finance solutions. Our award-winning service, access to flexible lending criteria and commitment to saying yes, is what makes us the clear choice for complex cases.

Partner With Us Case Studies

45+

Years in Business

£2.5B+

Total Lending

2,500+

Broker Partners

1 hour

Terms Issued

Why Brokers Choose Crystal

Quick decision times
Dedicated on-hand support team
£2.5B+ in successful lending
Industry-leading expertise

Supporting brokers in boosting their specialist business

Crystal Specialist Finance has been trading since 1979 and has grown from a small family run business to a successful SME.

Crystal was founded on a simple principle – specialist finance should be made simple, accessible and delivered with exceptional service.

Our reputation has been built by consistently delivering solutions, helping brokers alike expand their offerings. Our speed, service and flexibility is what makes us the clear choice.

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45+

Years in Business

Established expertise in specialist finance

£2.5B+

Total Lending

Supporting brokers with tailored solutions

2,500+

Broker Partners

Trusted by leading mortgage brokers

1 hour

Terms Issued

Industry leading turnaround times

99.8%

Broker Satisfaction

Outstanding service levels

12,000+

Cases Completed

Supporting successful completions

What Our Broker Partners Say

Don't just take our word for it - hear from the brokers who trust Crystal Specialist Finance

"Crystal SF has been instrumental in growing our specialist finance business. Their speed, expertise, and broker-focused approach sets them apart from the competition."

Sarah Roberts

"Great team at CSF. Very helpful in getting complex cases and specialist cases over the line with the main benefit of getting very good rates but at such a quick speed."

Jack Cousins

"From start to finish, we have experienced exemplary customer service which is very refreshing and we couldn’t be happier with the outcome."

Lee Philbrock

Ready to Partner with Crystal?

Join our network of successful brokers and start completing your complex cases today.

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Senior Leadership Team

Introducing some of the people we are proud to have working here.

Jo Breeden

Chief Executive Officer

Jo has been at the helm of Crystal since 2007, a fully qualified Accountant, with extensive expertise in commercial finance, lending strategies, and client relationship management. Jo’s forward-thinking approach, and commitment to service excellence, has transformed the company into one of the UK’s leading providers of broker financial solutions, delivering complex specialist finance.

Jo has been instrumental in product range expansion; bridging, buy-to-let, development finance, and commercial mortgages. He’s lead two company re-brands, reinforcing Crystal’s market position as “The Clear Choice” for our target audience, delivering Year-on-Year growth. Jo is a proud family man, has three children, two pet dogs, and is an avid supporter of Aston Villa FC.

Kris Corns

Operations Director

Kris is one of Crystal’s longest serving individuals, having joined in 2007, from Nationwide BS, and he’s spent the last 17 years applying extensive knowledge across all departments within the business. This has provided invaluable perspective on the overall client journey, and the ideal skillset and acumen for his current role of Operations Director.

Passionate about problem solving and simplifying all matters, Kris utilises his skills, logic and experience, alongside a degree in Economics and Mathematical Science, to focus on delivering the best outcomes achievable for all clients. He’s a tough-mudder, a keen Liverpool fan, and father to one daughter.

Jason Berry

Group Sales Director

Jason joined Crystal 2020. He has extensive board-level experience gained across lender, distributor, and fintech insurer Companies. Beginning his career as a Financial Adviser he moved into account management with Platform Home Loans and led the sales channel to over £4b of specialist lending completions in 2007.

During his tenure as Director of Sales at Uinsure, exponential growth was evident and multiple industry awards attained. A recognised thought leader, Jason is committed to making Crystal the UK’s most recommended distributor. He’s Co-Founder of the Mortgage Industry Mental Health Charter (MIMHC) and an enthusiastic advocate of the topic. A proud father of three, he enjoys padel tennis and supports Manchester City FC.

Toby Breeden

New Business Director

Toby joined Crystal in 2009, after studying Business Management at university. Given 16 years’ experience in specialist finance, Toby can build upon his strong relationships with lenders, guaranteeing that Crystal gets access to the best deals at exclusive rates. Toby leads his team from the front in ensuring they qualify and prime all leads into the operation, turning new business into completions.

Having worked across most areas of the business, including marketing, sales, and underwriting, Toby is exceptionally well qualified to steer Crystal’s new business requirements. Outside of work Toby supports Aston Villa FC and is partial to a bit of Minnesota Vikings NFL.

Richard Bond

Personal Finance Director

Rich joined Crystal in 2015, with over 20 years of experience in the mortgage industry, gained as a Financial Adviser for mortgages and protection for the Openwork intermediary network. He has overseen regulatory aspects at Crystal since then, including the implementation of key regulatory milestones like GDPR, SM&CR, and Consumer Duty.

This in-depth compliance expertise ensures that regulation within Crystal drives positive customer outcomes whilst meeting exacting standards. Rich is committed to enhancing customer experiences alongside facilitating business growth. Outside of work he is a proud dad to three kids, and an avid Aston Villa supporter.

Mark Hutchings

Specialist Services Director

Mark joined Crystal in 2022, with 35 years of extensive experience from a successful career within the insurance industry. Head of Sales at Uinsure, and the Managing Director at Berkeley Alexander, it’s no surprise that he was named winner of the Business Leader Protection or General Insurance Provider at the British Mortgage Awards in 2020.

Mark is committed to helping brokers source alternative product avenues to provide better client outcomes, within Crystal he is responsible for providing new ancillary product solutions. Proudly married to Zoe for 25 years, with a lifelong passion for football, both playing and managing, Mark is now Chairman at his local club Ringmer AFC.

Gareth Shilton

Group Strategy Director

Gareth brings a wealth of experience in all business disciplines to Crystal, with a long-standing career in financial services, having joined Ocean Finance in 1994, in sales. Promoted to General Manager in 1997, becoming CEO by 2009, he held an impressive tenure which extended until the sale to Think Money Group in 2012, wherein he maintained a Directorship until 2018. Since leaving Ocean, Gareth has provided consultancy services in various sectors.

Father of two boys, in his spare time, he loves being in the countryside walking his beloved spaniel Ruby, with partner Julie, and is a self-confessed petrol head, passionate about motorcycling, track days and MotoGP.

Meet Our Sales Team

Introducing some of the people we are proud to have working here.

Jason Berry

Group Sales Director

Dan Morris

Intermediary Sales Director

Dan joined Crystal in 2016, following six years at HSBC, to develop Intermediary Network and Mortgage Club relationships with his expertise across all aspects of specialist finance and complex lending. A key advocate of Crystal, Dan’s vast experience means when it comes to placing tricky cases for all kinds of non-standard properties and complex scenarios, there’s a solution to be found.

Supported at Crystal by a multi-award-winning team for bridging, commercial and development finance, complex buy to lets, second charge loans and specialist residential means Dan can help provide a solution for almost any case! Dan is daddy to two young children, Lewie the dog, supports Middlesbrough FC, and is an avid skier.

Satwant Bhandal

Corporate Sales Director

Sat joined Crystal in 2020, with 15 years of experience in banking and finance, leading our Corporate Sales. He has expertly facilitated a multitude of successful deals for both individuals and businesses, securing finance for property acquisitions, and longer term investments.

With a thorough understanding of the mortgage market, real estate, and access to a wide network of lenders, Sat and his team at Crystal are committed to connecting clients with the best bespoke funding solutions and structures. Whether purchasing a new property, refinancing an existing one, or unlocking equity for further investments. Proud father of one son, a keen golfer and an avid Man United supporter.

Olivia Burke

Business Development Manager (London/South)

Olivia recently joined Crystal in 2024, as the field BDM for our brokers in London and the South regions. She comes with broad experience of both lenders and brokers in financial services, which assists in her thorough understanding of building strong relationships within the industry.

Olivia has a great passion for delivering client satisfaction, wanting to provide her brokers with the best service possible, and help them create seamless processes for their clients. Outside of work Olivia loves to ride her horses and will usually have her Pug in tow (unless he decides to stay in bed!).

Ready to Partner with Crystal?

Join our network of successful brokers and start completing your complex cases today.

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Our Core Values

These values guide everything we do, and shape how we support our broker partners daily.

Trust & Transparency

We build lasting relationships through open communication and transparent processes, updating you every step of the way.

Innovation & Excellence

We embrace new technologies and continuously improve our services to provide a better user experience for you.

Partnership & Support

We view every broker as a valued partner of Crystal. Our success is measured by your success, and we are committed to helping you grow your business.

Speed & Efficiency

We have streamlined processes in place and are committed to providing you with decisions quicker than the industry average.

Our Values in Action

Broker-First Approach

Every decision we make is viewed with helping you close more cases with confidence

Personalised Support

Our on-hand team are available to support you with your cases from initial application through to completion

Continuous Innovation

We invest heavily in technology and processes to stay ahead of market needs

Ready to Partner with Crystal?

Join our network of successful brokers and start completing your complex cases today.

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Our Journey

From a small specialist lender to one of the UK’s most trusted finance partners, here’s how we’ve evolved along the way.

1979

Foundation

The foundations of Crystal were started with a mission to provide exceptional specialist finance solutions.

2002

Incorporation

Crystal Mortgages Limited was incorporated to provide brokers with solutions where others couldn’t.

2012

Market Expansion

Expanded our product range to include development finance and commercial mortgages, serving 500+ broker partners.

2015

Technology Innovation

Launched our digital platform, reducing application processing times by 60% and enhancing the broker experience. This coincided with a rebrand to Crystal Specialist Finance and relocation to our current Head Office.

2018

£1B Milestone

Reached £1 billion in total lending, establishing Crystal Specialist Finance as a major player in the specialist finance industry.

2021

£546m

Terms Issued

Ready to Partner with Crystal?

Join our network of successful brokers and start completing your complex cases today.

WINNER

Best Commercial Broker

Bridging & Commercial Awards 2016

Ready to Partner with Crystal?

Join our network of successful brokers and start completing your complex cases today.

Become A Partner Contact Us