Our Team

Richard Lloyd-Jones


After starting off in the fashion world owning his own clothes shop in Prestatyn (Signature), in 2007 he decided on a total career change and did his CeMap mortgage exams.

He’s an LFC fan and a golf lover, the lowest handicap in the office he might add – so you will see him on the golf course most weekends.

Knows very little about house renovation and DIY….. although has got flat pack furniture assembly down to 8 hours!!

He has 2 lovely children, and his wife has the patience of a saint putting up with him.

Gareth Jones


Lover of Coffee and Indian food.

At weekends often found chasing a white ball across a field. Also, partial to the odd pint of quality lager.

Guardian of the office dog, Snoop. So he’s dragged around the shores of north wales or trudging about the hills on a daily basis.

As well as nearly being the best golfer in the office, he’s also an aspiring fantasy footballer – currently lying a lowly second to bottom in the league.
Also interested in design architecture and fast cars.

Richard Pape


Richard has worked in Financial Services for the last 18 years with Halifax, Lloyds and Bank of Scotland. He specialises in Loans, Mortgages and Credit Cards.

When he isn’t in the office you will find him on the golf course or out running or cycling as he’s very keen on fitness. He’s also family orientated with 3 children – Alex, Charlotte and Thomas and wife Sarah who is very bossy and tells him what to do!

Sonja Frost

Mortgage Adviser

Sonja looks after all the 1st time buyers. She loves helping them through the process and getting their first set of keys!

Being a city girl most of her life, she moved to the countryside 7 years ago, to do up at renovation project…. and she’s still working on it now!! When she’s not in the office, you will happily find her up a ladder, on the digger or a dumper.

Chris Lannin

Business Funding Manager

When action man Chris is not jumping off mountains on a paraglider (and crashing into barb wire fences), he can be found up Snowdon or other mountainous peaks.

He likes beer and has recently bought himself a refurbished camper van. Hopefully he won’t be combining these two pastimes!

Chris loves to help UK businesses with business funding in particular Tax and Vat loans.

Jessica O’Brien

Office Manager

Can be seen with a large glass of sauvignon blanc in hand as soon as Friday comes round….if not before!

Enjoys dogs walk with her beagle, Alfie, music festivals (even though she has rubbish taste in music) planning for her upcoming wedding and is the office star baker!

Keith Haughton

Mortgage & Protection Adviser

The elder statesmen of FFP, Keith has probably written more mortgage deals than everyone in the business put together. When he is not sat as his desk helping first time buyers and home movers you can find him at the dojo practising he life long passion of Karate. He is a black belt 2nd dan! Nobody at FFP messes with Keith!

Bethan Ward

Mortgage Administrator

Beth is one of our newest team members here at FFP.

She loves to travel and explore and has previously lived in Australia. You’ll mostly find her enjoying outdoor sports, trying out new restaurants or walking her gorgeous spaniel Ozzy!

Mark Morgan

Development Finance Manager

Mark has over three decades of experience working in the Banking and Finance sector and has a specialty in the property development sector. He enjoys the outdoors and regularly explores the wonderful mountains of North Wales.

Lee Evans

Mortgage & Protection Adviser

Lee is our resident Welsh speaker in the company and looks after mortgage clients throughout the UK, and in particular those on the island of Anglesey. He is mad keen on football having spent many years as a kid’s football coach. Another LFC fan and the second-best FPL player in the business.


Office Guardian

Looks after us all here in the office.

Loves his ball, frisbee, walks at the park and cuddles!

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