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

Elise Crosby
With over 23 years of experience in the financial industry, Elise brings extensive knowledge of finance and customer service to her role at NC Property Finance. Her career at Virgin Money included positions such as Team Manager, Coach, Workflow Coordinator, and Complaints Assistant, giving her broad insight into the sector.
In her current role, she enjoys connecting with clients, delivering exceptional service, and supporting them on their journey to securing their forever home.
Contact Elise
What Our Clients Say
EXCELLENT Based on 16 reviews Posted on RossTrustindex verifies that the original source of the review is Google. I’ve used Nicola for life insurance, a remortgage, and a new mortgage after moving house. Each time, she’s been extremely helpful and explained everything in great detail. Highly recommend!Posted on Amber JoblingTrustindex verifies that the original source of the review is Google. Fabulous service!Posted on AnnaTrustindex verifies that the original source of the review is Google. I’ve used Nicola for years for mortgage advice and wouldn’t go to anyone else! She gets you the best rates, gives brilliant advice and options to best suit your needs and takes the stress of the process completely off your hands. Thank you so much for all of your help Nicola.Posted on Charlotte CoatesTrustindex verifies that the original source of the review is Google. Fantastic service, we highly recommend Jaime, Nicola and the team. Everything was handled efficiently, it was a simple process and we will be telling everyone they need to use NC for their mortgage needs!Posted on Steve DouglassTrustindex verifies that the original source of the review is Google. Nicola has just done our re-mortgage and sorting out a BTL mortgage with such ease and would 100% recommend!! Thank Nicola!! xPosted on Michael YardeTrustindex verifies that the original source of the review is Google. This is the third time we’ve used Nicola at NC Property Finance, and once again, she was absolutely fantastic. We’ve worked with her twice for remortgages and this time for arranging a new mortgage, as well as our insurance. Every time, Nicola’s personal approach has been exceptional and made the stressful process of moving house so much easier. Nothing is ever too much trouble, and she responds to all communications quickly and efficiently. I have already recommended Nicola to family and friends and wouldn’t hesitate to do so again. I genuinely can’t see how the service could be any better, which is why I won’t be going anywhere else for our financial needs.Posted on Mandy McMullenTrustindex verifies that the original source of the review is Google. Nicola helped us throughout the buying process. As we were moving from Scotland to England the processes were slightly different but she ensured we knew what we needed to do. She is very easy to deal with and provides a very customer focused service. I'd definitely recommend Nicola for both our house move but also helping us get insurance in place. Great job Nicola!Posted on Abbigail KewinTrustindex verifies that the original source of the review is Google. I can't recommend Nicola highly enough! As a small business owner it was starting to feel impossible to get on the property ladder - even with a guarantor. Yet with Nicola's guidance she managed to find a mortgage deal that has allowed me to first time buy for more than I thought I could initially afford (on a very tight time frame with some less than ideal personal circumstances) ! Her team are quick and efficient and she has been really helpful and easy to communicate with. Even when some unexpected hurdles arose she was very reassuring and has saved me lots of stress, keeping me informed and in the loop throughout, whilst full of useful advice. I'm over the moon and can't wait for this new chapter - thank you again Nicola!Posted on Andy WiltonTrustindex verifies that the original source of the review is Google. I found myself in the unwelcome position of being evicted from a property due to the landlord selling up. I was looking to buy my first place and NC Property Finance were recommended to me by a family member, who had a great experience with them. To say Nicola helped enormously would be an understatement. From the very beginning Nicola was friendly, knowledgeable, professional, approachable and did an amazing job of both exploring every avenue while also explaining it successfully to me. Despite the property I wanted to buy being a bit strange and challenging to purchase, Nicola found a way. I genuinely couldn't recommend NC Finance highly enough. Clients are in the fantastic position of working with someone who is brilliant at what they do, but also with a firm that isn't so vast that you are just another body in the system. Thankyou NC Property Finance!!Posted on Dan NorcottTrustindex verifies that the original source of the review is Google. As a first time buyer Nicola has saved me and girlfriend hours of stress and hundreds if not thousands of pounds. She found us the best mortgage deal on the market and saved us over £500 by recommending a solicitors (who have also been great). She was also happy to set up home and life insurance if we needed it and has given us lots of very important advice around buying our first property as well as checking in with us on a regular basis. Couldn't recommend Nicola enough!
