Complete FS

Complete FS was established in 1994 as a specialist distributor of mortgage products. Based on the south coast, our head office team is headed up by 3 directors all of whom have vast industry experience:

Damian Cain founded Complete FS in September of 94 and specialises in adviser, network and lender relationships.

Phil Jay joined the board of Complete in 2012. He has a history which includes working for a High Street Building Society, leading a market leading specialist Packager. Phil has a wide knowledge of all aspects of the specialist mortgage market and  is particularly well known for his knowledge of all things related bridging.

Claire Budden has over 20yrs experience in mortgage processing, compliance, sales and operations, she joined the board of Complete in January 2024.

The highly motivated team at Complete have a passion for quality. Putting the clients first is at the forefront of everything we do. A browse through our website testimonials provided by clients’ advisers and lenders, gives an insight into how much we CARE.

Complete commitment to good customer outcomes.

Always put the interest of the customer first.

Respect for customers, advisers and lenders.

Easy to deal with


What we do

We are committed to providing and processing loan applications on behalf of the financial intermediary from our diverse panel of specialist lenders for distribution to the entire sector.

Our 2 main aims are to negotiate exclusive products and criteria enhancements with our panel lenders and to convert as many new enquiries into completions. We are proud to have some of the best conversion ratio’s in the country.

This is further enhanced by the numerous lender on-site underwriters that we have to ensure more accurate decisions in principals, more consistent underwriting which leads to quicker offers and more completions.

Take a look at our latest exclusive for Legal & General Mortgage Club members.

Please click on this link to see the many genuine testimonials we have received.

Referral Areas

  • Special residential mortgages
  • Complex buy-to-let mortgages
  • Second charge mortgages
  • Bridging finance
  • Development finance
  • Commercial mortgages
  • Commercial finance
  • High value mortgages