About Us

F & M Finance


F & M Finance is a specialist provider of advice to individuals, landlords and property developers helping them source, apply and receive the best possible property finance for their needs. 


Accredited, qualified and trustworthy; our aim is to help you turn your goals into reality. Indeed, our experienced advisers are experts in the world of finance, implementing processes and, importantly, caring for people just like you.


We specialise in helping businesses & individuals reach their potential, opening the door for them to the lending that can not only elevate their life or business and turning their dreams and goals into reality.


From individual’s, local investors to international clients, we strive to provide the best possible service for our clients


Everyone has dreams; everyone has potential. So, when the opportunity to realise that potential arises, we are always on hand to help.


By knowing our clients in depth and working with them to articulate their goals, our expert advisers can provide the knowledge, resources and financing they need to help shape their future.


Our client’s success is our success. So, when the opportunity arises to reach your potential, we are on hand to help you access the right resources at the right time.


That’s why we do what we do!

Our Vision

When you and your business needs funds, we pride ourselves knowing that the specialist support we provide is on hand for when you need it most.


Building trustworthy and long-lasting relationships with our clients is what we do best, striving hard and working nonstop to help you meet your ambitions.


We want you to invest the same trust in our advisors as you would in yourself as our vision is not to work for you, but to work with you.

Our Mission

Our mission is to support the growth of Merseyside’s inspiring property ownership community. Our target is to raise £100 million for local businesses and individuals by 2025.


By supporting people and businesses and helping them create stable foundations we can support our community in achieving their personal goals, develop their businesses and, in turn, invest back into the same community which has served them so inspiringly over the years.

Who Are We?

Mark Rea

Mark is an experienced portfolio director and business builder. From founding a local business to becoming a director of national financial services provider, Mark has always been opportunities led.


Working in Corporate and Commercial Finance led Mark to help motivated people look for ways to make businesses stronger.


As a strong believer in relationships, Mark always looks to establish sustainable partnerships with both internal and external stakeholders because, he understands, people are key to long term success.


Mark aims to be that critical friend who provides you with knowledge and advice based on his experience and focuses on our property developer clients helping them with bridging finance, development loans and development exit loans.

Francesca Rea

Francesca is a customer focused manager with 15 years’ experience working with both corporate and start-up businesses, managing up to 60 people across multiple sites.


In her career, Francesca has successfully built and maintained relationships with key stakeholders including team members, senior managers, departments and suppliers.


Francesca enjoys working with people and became a mortgage advisor  to enable her to help clients with commercial mortgages and to set down real roots. Francesca looks after all of the firms mortgage business, from residential homeowners through to large portfolios of international buy to let investors.

Our Partners, Associates and Trade Bodies