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  • About us

The IVA Mortgage Experts
A great team, dedicated to your requirements

Based in Luton, and offering the best advice in mortgages and debt solutions, we have helped many ex-IVA clients, either by successfully obtaining a mortgage for them, or advising them on when and how best to prepare for a mortgage when the time comes.

Ryan Radford started Zebra Mortgage Centre in 2009 after working on his own as a Mortgage Broker for over 17 years. Having built up an in-depth understanding of the industry, Ryan followed his vision to offer an entirely new level of support for people seeking a mortgage post IVA.

Ryan felt there was a need for professional expert advice for clients grappling with getting a mortgage post IVA, and thus IVA Mortgage Expert was born.

Our team

Ryan Radford
Managing Director & Mortgage Consultant

With over 24 years’ experience in mortgages under his belt, Ryan is a regular contributor to an IVA forum for over 7 years as one of the mortgage experts. His vast experience in mortgage and debt advice and deep understanding of client’s situations, makes him quite comfortable in saying he is the one in the office who knows it all. Ryan enjoys his spare time on his bike or with his family.

Damon Palmer
Director

Damon has over than 30 years’ experience in Financial Services with more than 15 of those years working in the specialist mortgage sector. He is our guru when it comes to keeping the office running with everything from IT, to admin, to finance.  He is responsible for forging close links with a number of the lenders we use to ensure that we all keep up to date with mortgage products and market information. In his spare time, Damon’s passions include football, photography and exploring new places both here in the UK and abroad.

Kevin Bushby
Protection Consultant

Kevin has 28 years Financial Services experience and he started this journey in South Africa, the home of Critical Illness. He is the protection “connection” in the office and loves helping clients sort their protection needs either at a new mortgage stage or a general review. He believes the benefits that protection in today’s market provides are of the utmost importance. In his spare time, after family and grandchildren, he is an avid follower of F1 and tries to attend a different race each year.

Michael Caldwell
Mortgage Expert

Michael has 8 years of experience in the financial services and is the newest member of the team. CeMAP qualified, he loves dealing with challenging situations and helping people. He enjoys football and spending time with his young child and fiancé.

Darryl Dhoffer
Mortgage Expert

Darryl has over 15 years’ experience in financial services. CeMAP-qualified, he is an expert in various products, specialising in Buy to Lets, Limited Companies and Self-employed Mortgages. He is a keen golfer with two children.

Carol Hare
Mortgage & Protection Administrator

Carol has worked for us for many years (almost part of the furniture, some say!), taking on additional responsibilities along the way. She is the force that keeps us all in check whilst learning new skills and keeping her knowledge up to date through supporting members of the team. She completes administration tasks across many areas of the office and is a great communicator between lenders, solicitors and clients. Besides this she does a great job ensuring mortgage applications go through smoothly. In her spare time, she likes walking and socialising with family and friends and is a brilliant Nana, mum and wife.

Lorraine Slade
Mortgage & Protection Administrator

Lorraine has become a valuable member of the admin team since joining us in 2016.  She is passionate about her work and always ensures that our client’s mortgage applications go through as smoothly as possible, taking away much of the stresses our client’s may face in the process. She spent 15 years at the Nationwide Building as a Mortgage Consultant so has a really good understanding of the market.  She is also our product specialist in buildings and contents insurance and will happily provide our clients with a quote.  In her spare time Lorraine likes to spend time with her granddaughter, travel and has a keen interest in archaeology.

Sophie Smith
Mortgage & Protection Administrator

Sophie is our newest addition to the team. Sophie has been an administrator since she left college but has come here for a more challenging experience. Sophie believes working here is the perfect place to push herself and open up possible career opportunities in the future. Sophie enjoys spending her spare time with family and friends.

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