Richard Esses: 07968 023438 | Graeme Hood: 07921 760169

About Us

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The M Solution provides expert mortgage advice. Whether you are a first-time buyer, home mover, looking to remortgage or become a buy to let landlord. We’re experienced in providing advice to both new and existing customers about their property purchase and remortgage needs.​

We only give advice following an initial discussion or meeting to establish exactly what the client wants. We start with a broad discussion to gather the clients requirements and aspirations for the short, medium and long term, before moving onto an in-depth research and analysis process to find the most appropriate mortgage or remortgage.​

We take the time to consider the situation and the clients priorities before giving a clear, easy to understand, point-by-point recommendation which includes a full explanation of why we believe our advice is right for each circumstance.​

We will source the most appropriate mortgage lender, repayment method and mortgage type to suit our clients individual needs and circumstances. Our advice is backed by a combined 30 years experience and the knowledge and expertise to ensure this part of your property purchasing journey is smoothly and stress free.


Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage

Some buy to let mortgages are not regulated by the Financial Conduct Authority

Graeme Hood

Financial Adviser

Graeme lives in Sandwich with his family and two dogs. He is passionate about treating clients the way he would expect to be treated. Helping people get their first house is a particular favourite part of his job.

Richard Esses

Mortgage & Protection Adviser

Richard Esses lives in Broadstairs with his wife and young son. He has a real determination and passion for saving people money and getting that all important ‘yes’ when high street banks have given a no!

Sesil Kasam

Mortgage & Protection Adviser
Mum of two, Sesil joined The M Solution after being in the property industry for over 12 years. She believes that mortgages are about more than just money. Sesil is one for a positive mindset and is a self-development obsessive! She is determined to give you the best solution tailored specifically for your needs and make the whole process smooth and understandable.

Tawa Adebiyi

Mortgage & Protection Adviser

Tawa Adebiyi lives in Slade Green with her husband and 2 children. She finds the best part of what she does is the opportunity to help people at an important point in their lives, She enjoys the satisfaction of her work being truly valued. It is fulfilling helping clients find and apply for the right mortgage for them. A mortgage application could be a potentially daunting experience, she’ll  be on hand throughout the whole process to ensure everything runs as smoothly as possible.

Udaya Lamsal

Mortgage & Protection Adviser

Udaya lives in Welling, Kent with his wife and two children. Udaya is very determined to help people fulfil their dreams in either purchasing their first home, stepping up the ladder or downsizing in later life. With his accounting background he can assist employed but especially self employed with his knowledge and expertise 

Amer Nessari

Mortgage & Protection Adviser

Amer lives in London and knows the area and surrounding areas extremely well. He understands the importance of owning your home and protecting the property….and yourself! He takes great joy and satisfaction helping people to acquire keys for their first property or assisting people in moving up the housing ladder.