About us

Exceptional mortgage solutions built on a foundation of trusted expertise.

About Guild Finance

Guild Finance is a specialist, independent mortgage brokerage founded by Oli Pearce. Operating from our base on the Isle of Wight, we serve company directors, entrepreneurs, and clients with complex financial backgrounds both locally and across the UK.

We launched Guild Finance as an exclusive, dedicated arm of our established firm, My Family Mortgages. While our sister brand continues to provide warm, accessible support to first-time buyers and local families, Guild Finance was created for a specific purpose: to handle high-value, multi-layered, and non-standard borrowing requirements with absolute precision.

The Person Behind the Brand

When you work with Guild Finance, you aren’t dealing with a call center or an automated portal. You deal directly with me, Oli Pearce.

With years of experience navigating the shifting landscape of UK property finance, my role is to act as your personal financial advocate. We look at the human story and the commercial reality behind your numbers, ensuring your application is presented flawlessly to the right decision-makers.

Why Guild Finance Exists

The high street is built for the simple cases. If you draw a standard salary, the algorithms work. But if you are a business director utilizing retained earnings, an investor with multiple income streams, or someone whose wealth doesn't fit into a standard tick-box, mainstream banks routinely say no.

We built Guild to bridge this exact gap. Our day-to-day expertise involves decoding:

Director & Corporate Financed Incomes: Utilizing net profits and retained business earnings, not just your drawn salary.
Complex Scenarios: Presenting multi-layered or unconventional wealth structures to specialist underwriters who look at the big picture.
High-Value Property Financing: Securing competitive, bespoke terms for high-net-worth acquisitions and complex portfolios.

Meet Oli

Founder & Senior Adviser

Oli brings a rare blend of professional expertise and genuine human warmth to his work. A father of two and an active member of his community, he spends much of his time outside the office as a Scout leader and football coach — roles that reflect his calm leadership style, patience, and commitment to helping people grow. Having studied music from a young age, he also carries a creative streak that shows in the thoughtful, structured way he approaches complex financial cases.

His career in property began in 2009, starting in sales before moving into finance, where he honed his understanding of the full property journey from every angle. Oli has worked across the new‑build sector and was responsible for around 20 offices across East Anglia, giving him a deep, practical understanding of how transactions really work behind the scenes. This experience makes him a highly competent property professional who can anticipate challenges long before they arise.

“My role is simple: to give you clarity, confidence, and a mortgage strategy that genuinely fits your life.”

When he’s not advising clients, you’ll often find him at the beach with his family, watching his children sail, or enjoying music and films. These moments of calm balance the precision and focus he brings to his work — and they’re a reminder that, for Oli, good advice is ultimately about helping people build the life they want.

Why people choose us. . .

Specialist Expertise

We understand the financial lives of business owners, senior professionals, and high‑net‑worth clients. Complex income, bonuses, multiple revenue streams, retained profits — these aren’t obstacles, they’re the starting point of our work.

Private‑Bank Access

Some clients need more than a standard lender. We work with private banks and specialist underwriters who take a holistic view of your assets, income, and long‑term plans.

Clear, Structured Case Presentation

Your financial story is presented to lenders with clarity, precision, and context — removing ambiguity and strengthening your position from the outset.

A Personal, Relationship‑Led Service

You deal directly with Oli from the first conversation to completion. No call centres, no hand‑offs, no repeating your story. Just calm, consistent guidance throughout.

Discretion & Professionalism

Our clients value privacy. Every conversation is confidential, and every case is handled with the care and attention you’d expect from a boutique advisory service.

A Complete Understanding of the Property Journey
With a background spanning property sales, new‑build operations, and specialist finance, we understand the entire buying process from every angle. This means fewer surprises, smoother transactions, and better outcomes.

Advice That Fits Your Life — Not Just Your Paperwork

We take the time to understand your goals, your pressures, and your wider financial picture. The result is lending that genuinely aligns with your life, not just your income documents.

Backed by a Five-Star Track Record

While Guild Finance is our premium brand, it is built on an ironclad foundation. We carry across the exact same core values, rigorous regulatory standards, and immaculate reputation that has earned our broader firm over 60 five-star Google reviews.

You get the elite capability of a specialist city broker, delivered with the transparent, honest, and dedicated personal service of a trusted regional business.

Ready to explore your options?

Whether you’re planning a purchase, restructuring existing lending, or simply want clarity on what’s possible, we’re here to help. Every conversation is confidential, pressure‑free, and tailored to your circumstances.

Book a confidential consultation

A short conversation could give you the clarity you need to move forward with confidence.

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