Getting to Know Us
NC Property Finance was founded by Nicola Cowan, who has worked in the property industry for her entire professional career.
For us, there’s no better feeling than helping you take your first steps onto the property ladder or advising as you begin to explore property as an investment.
Buying a home is a huge achievement, and helping people with that journey feels like such a privilege, whether it be buying their first home, taking the next step up the ladder, remortgaging, or growing a buy-to-let portfolio.
NC Property Finance was started with a simple goal: to create a mortgage advisory business that simplifies things. Buying a property is hard work on its own—why should mortgage or investment advice add even more to your plate?

Nicola Cowan
Nicola has worked in the industry for over 13 years and holds both CeMAP and CRER qualifications. She searches a comprehensive panel of lenders to find the best rates tailored to each client’s needs and goals, cutting through jargon to provide clear, friendly, and reliable advice.
As a parent, Nicola understands the importance of a home and offers holistic guidance that helps clients achieve their objectives without the pressure often associated with mortgages.
Contact Nicola

Jaime McHugh
Jaime has lived in Whitley Bay all her life and now raises her two children here with her husband, their dog, and an active role in the community through her daughter’s PTA. With family roots in the town going back generations, she has always felt a strong connection to the area.
After working across the country, Jaime returned home 11 years ago to focus on family life and a career in mortgages and protection, combining her love of property with helping people onto the housing ladder. Joining NC Property Finance was a natural step, as she shares Nicola’s values and passion for supporting people and the local community.
Contact Jaime

Nicola Snowdon
Nicola has worked within Financial Services for the last 17 years, spending 10 years at Newcastle Building Society in various roles, including Customer Service, Information Security, Business Continuity, and Operational Risk.
She then decided on a change in direction and moved into Mortgages, where she has built up a strong knowledge base around mortgages and protection. Nicola now provides ongoing administrative and customer support to Mortgage Advisor Nicola Cowan.
Contact Nicola S
What Our Clients Say
EXCELLENT Based on 44 reviews Posted on Alan HilleyTrustindex verifies that the original source of the review is Google. Excellent service as always. great teamPosted on Hayley TateTrustindex verifies that the original source of the review is Google. Absolutely amazing service. From start to finish, Jaime was so supportive throughout the process and we will 100% use again! Thank you so much for everything.Posted on Cat WhiteTrustindex verifies that the original source of the review is Google. Great service, thank youPosted on lisa horrocksTrustindex verifies that the original source of the review is Google. Very efficient, friendly and professional. Always come back to you and you can ask as many questions and make as many changes with no problem whatsoever. Everyone on the team is so nice!!Posted on Aylisha HollandTrustindex verifies that the original source of the review is Google. Amazing service, staff were really supportive and attending during a naturally anxious time of purchasing a property. Would recommend to anyone. Huge thank you for everything!Posted on kate wrightTrustindex verifies that the original source of the review is Google. Would recommend Nicola 100%. She is absolutely brilliant at everything finance. We used her for our mortgage and she was professional, attentive and extremely knowledgeable and honest throughout the process. She has a background in property so is brilliant for advice on the property side aswell. We definitely won’t go anywhere else and I would recommend her and her team to anyone looking for financial advice or guidance.Posted on EmmaCollinsTrustindex verifies that the original source of the review is Google. Great and fast communication. Nicola explains everything clearly and is patient. Made being a first time buyer a lot easier and smoother! Thank youPosted on Oliver HaywoodTrustindex verifies that the original source of the review is Google. Nicola was fantastic from start to finish. I have used her multiple times, and each time she has provided excellent, well-curated advice tailored to my circumstances as a self-employed person. She was always quick to respond to any queries, professional, friendly, and incredibly helpful throughout the process. Her clear communication and support made everything much less stressful, and I would highly recommend her.Posted on Tamar DuttonTrustindex verifies that the original source of the review is Google. Nichola is a very knowledgable advisor and we appreciated how quickly she responded to any and all enquiries. She made sure that we understood the process, and that we were able to get a mortgage offer that was right for us. Thank you
