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.

Richard Pape

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!

Gareth Jones

Gareth Jones

FFP Founder

One of the original founding partners of FFP, Gareth has now decided to take a back seat, but is still very much involved in FFP.
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.

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 & Protection Advisor

Beth has recently passed her CeMAP exams and is now a qualified mortgage advisor!

Beth 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!

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.

Katherine Pratt

Mortgage & Protection Advisor

Katherine has worked in financial services for the last 19 years and specialises in equity release, mortgages and protection. She enjoys complex cases and helping clients save money. 

Katherine is also a Rightmove addict and one cat away from being a crazy cat lady! 

Jack Holmes

Mortgage & Protection Advisor

Jack is the newest member of FFP Solutions, He is a Mortgage & Protection advisor. He enjoys playing football and spending time with his daughter

Chloe Messenger-Jones

Mortgage & Protection Advisor

Chloe is happiest with a gin (or 2) in hand, has 2 children and a fur baby called Fred who keeps her on her toes. 

In her spare time she enjoys going on family days out and nights out with her friends which usually end up with her embarassing herself on the dancefloor!

Fiona Roberts

Accounts Administrator

Fiona has recently joined our team to cover the accounts admin,

She comes from an AAT accounting background, when she isn’t here she is very busy at home with her young twins and 2 fur babies.

Lani Messenger-Jones 

Mortgage Administrator 

Lani loves all animals especially fluffy ones like her child (pet dog) Pearl.

In her spare time she likes to go out with her family and friends! Her favourite sports are a mix of Dance and Gymnastics.

Dyon Roberts 

Mortgage Administrator

Dyon who is the newest member here at FFP, is a busy Mum to two young boys. You will most likely find her at the side of a Rugby pitch cheering on her son (like a hooligan).

She enjoys a glass of Prosecco from time to time, cooking & getting outdoors for walks with her boys.


Office Guardian

Looks after us all here in the office.

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

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