Turning dreams into reality since 2004
At Imagine Finance, we get the best possible deal for our customers every time. Find out what makes us different and meet our expert and professional team. At Imagine Finance, we get the best possible deal for our customers every time. Find out what makes us different and meet our expert and professional team.
Finance you can rely on
At Imagine Finance, we are experts in residential, commercial and buy-to-let mortgages, secured loans and bridging finance. We are dedicated to finding the best possible deal for our customers and their unique circumstances.
Why choose us?
Thousands of people have taken out finance with us since we were founded in 2004. Here’s what makes Imagine Finance stand out:
- We’re experienced. With experience in finance going all the way back to 1983, our founder, Tony Sutton, has built up unrivalled knowledge and connections in the field.
- We do the legwork. We source finance for our customers, comparing the market to select the best possible products from a wide range of leading UK lenders.
- Excellent reputation. Don’t take our word for it. Other borrowers recommend us for our expert knowledge of the market, world-class customer service and our ability to provide the best finance products available.
- Competitive rates. At Imagine Finance, you will get a better deal than price comparison sites. We deal with almost every lender in the UK market. With some, we have exclusive products and extra-competitive rates.
- One-stop-shop. Get everything you need in one place, including advice on mortgages and insurance.
- Reliable and professional. Our team have the one thing in financial services that money cannot buy - life experience. They will help you achieve your financial goals in the shortest possible time.
- One point of contact. When you make an enquiry with Imagine Finance, you are allocated to an experienced account manager who will deal with your application from start to finish
Our History
Imagine Finance was founded by Tony Sutton back in 2004. Since then, we’ve been providing financial solutions to help thousands of clients achieve their economic goals. Weathering the financial crisis of 2008 and other challenges within the industry, Imagine Finance has been a stalwart for our customers through thick and thin.
Who we are
A veteran of the financial sector, Tony has been personally trading since the 1980s. He knows the business inside out, and his experience is unparalleled within the industry.
Tony has hand-picked a highly-experienced team to offer the best possible customer service here at Imagine Finance. All of our customer-facing staff have extensive industry experience, expertise, qualifications and life experiences that make us ideally positioned to advise on all types of finance.
Meet the team
At Imagine Finance, we’re really proud of our team. Expert, professional and always ready to help, our advisers are there at the end of the phone to help you get the best finance for your circumstances.
Discover more about the senior people in our team by clicking on their photos below.
Tony Sutton
Managing Director
I started my finance career in 1983 with the lender Cedar Holdings, completing second charge loans and commercial mortgages and have been directly involved in the industry ever since.
My first finance company was established in 1989 and grew to become one of the UK’s largest finance providers. In 2004, I started Imagine Finance, which has become one of the country’s most respected finance companies.
My qualifications are with the Chartered Insurance Institute (CII) for mortgages and the Finance Industry Standards Association (FISA) Foundation Examination for second charge loans. However, my view is exams are no substitute for experience, which is why all my staff have considerable financial services expertise.
I enjoy cooking for my family, DIY, fishing, and football in my spare time.
My first finance company was established in 1989 and grew to become one of the UK’s largest finance providers. In 2004, I started Imagine Finance, which has become one of the country’s most respected finance companies.
My qualifications are with the Chartered Insurance Institute (CII) for mortgages and the Finance Industry Standards Association (FISA) Foundation Examination for second charge loans. However, my view is exams are no substitute for experience, which is why all my staff have considerable financial services expertise.
I enjoy cooking for my family, DIY, fishing, and football in my spare time.
Kirsty Reilly
Loan Partner, Regulated team
My career in finance began in 1997 when I started working with Tony Sutton’s finance company.
Since then, I have taken on various roles, including a second charge underwriter, credit operations team leader, customer services manager, asset manager and new business manager. This experience has enabled me to understand the many different aspects of the financial industry.
I am now responsible for the team arranging homeowner loans, residential mortgages, and bridging loans on a customer’s home.
I have passed my Certificate in Mortgage Advice and Practice (CeMAP) exam and the Finance Industry Standards Association (FISA) Foundation Examination for second charge loans.
Outside of work, I like to spend with my daughter Sophia, walking my dog Max and socialising.
Since then, I have taken on various roles, including a second charge underwriter, credit operations team leader, customer services manager, asset manager and new business manager. This experience has enabled me to understand the many different aspects of the financial industry.
I am now responsible for the team arranging homeowner loans, residential mortgages, and bridging loans on a customer’s home.
I have passed my Certificate in Mortgage Advice and Practice (CeMAP) exam and the Finance Industry Standards Association (FISA) Foundation Examination for second charge loans.
Outside of work, I like to spend with my daughter Sophia, walking my dog Max and socialising.
Jo Lock
Loan Partner, Commercial team
My financial services career began in 1995 with the Halifax Building Society, offering unsecured and secured loans and mortgages to the public. I have also worked for GMAC as an underwriter for mortgage applications and GE Money, where I restructured mortgages to keep people in their homes.
I joined Imagine Finance in 2016 in their commercial mortgage department and now head the team responsible for all commercial mortgage applications.
I have qualifications from the Institute of Financial Services, Certificate in Mortgage Advice and Practice, Certificate in Financial Administration and Planning, Institute of Certified Bookkeepers and Chartered Insurance Institute.
Outside of finance, I am a member of a local MS charity and spend time fundraising to help those in the community with MS.
I joined Imagine Finance in 2016 in their commercial mortgage department and now head the team responsible for all commercial mortgage applications.
I have qualifications from the Institute of Financial Services, Certificate in Mortgage Advice and Practice, Certificate in Financial Administration and Planning, Institute of Certified Bookkeepers and Chartered Insurance Institute.
Outside of finance, I am a member of a local MS charity and spend time fundraising to help those in the community with MS.
Hayley Stockwell
Loan Partner, Buy-to-Let Team
Upon leaving school, I worked as a manager in the jewellery industry, then trained to become a medical technician working in London for the emergency services for four years. Upon becoming a mum to twins, I decided on a change of career and gained my CeMAP qualification to allow me to give advice on mortgages.
I head up the buy-to-let team, where I am responsible for first charge loans on buy-to-let properties for individuals and limited companies. I am also the company’s first aider, as I am qualified as an IHCD Emergency Medical Technician.
In my spare time, I have my hands full with my twins and enjoy winding down with a glass of wine.
I head up the buy-to-let team, where I am responsible for first charge loans on buy-to-let properties for individuals and limited companies. I am also the company’s first aider, as I am qualified as an IHCD Emergency Medical Technician.
In my spare time, I have my hands full with my twins and enjoy winding down with a glass of wine.
Kylie Lardi
Head of Marketing
Upon leaving university with my degree, I worked for TUI in brochure production, responsible for copywriting, editing, and putting holiday brochures together. Upon my return, I took a year out to travel and, on my return, worked for a smaller specialist travel company in their brochure department. After this, I had a slight career change, working as the editor of a trophy and engraving magazine, writing and editing copy, and putting together monthly magazines and marketing trade shows.
I have been with Imagine Finance since September 2016, where I am responsible for marketing their specialist lending products through various channels.
I spend my spare time standing on a football pitch watching my two sons play (a lot of) football.
I have been with Imagine Finance since September 2016, where I am responsible for marketing their specialist lending products through various channels.
I spend my spare time standing on a football pitch watching my two sons play (a lot of) football.
Simon Flaxman
IT Manager
My career in financial services began in 2001 with my Managing Director, Tony Sutton, where I was responsible for taking new loan enquiries. Within a year, I moved to the IT Department, where I reported directly to Tony.
In 2005, I joined Tony at Imagine Finance. Today, I am responsible for every aspect of IT and systems within Imagine Finance, including building and maintaining their computer systems, writing websites, organising mailshots, and designing in-house software. I have passed the Finance Industry Standards Association (FISA) Foundation Examination for second charge loans.
Outside of work, I am the chairman of my local social club, play the trombone in a wind orchestra and regularly sing in a church choir.
In 2005, I joined Tony at Imagine Finance. Today, I am responsible for every aspect of IT and systems within Imagine Finance, including building and maintaining their computer systems, writing websites, organising mailshots, and designing in-house software. I have passed the Finance Industry Standards Association (FISA) Foundation Examination for second charge loans.
Outside of work, I am the chairman of my local social club, play the trombone in a wind orchestra and regularly sing in a church choir.
Friendly, efficient, discreet and very helpful – thank you!
Mr & Mrs Evans
