Phil Jay Director
Phil Jay has been in the specialist mortgage sector for 18 years, having worked for a mutual Building Society for a further 10 years. Phil joined Ian Nelson at BDS back in 1996 when packagers were beginning to make a mark in the intermediary sector. Starting out with a small group of local brokers Phil grew the business year on year which, at the peak of the market, employed 80 staff and represented over 30 lenders. Phil and BDS achieved a number accolades including ‘Best Mortgage Packager’ at Mortgage Strategy and ‘Best Business Leader’ at Mortgage Solutions.
In October 2004 BDS became a mortgage network and generated a strong brand of tied distribution which enabled the business to generate good profits and acquire quality staff in the sales, administration and compliance departments. BDS was able to offer a quality service which attracted loyal and quality brokers.
In 2007 Phil was instrumental in selling BDS to the Skipton Group which complimented their growth strategy and aligned it’s business to Pink Homeloans.
In 2010 the mortgage market continued to be greatly depressed, Phil joined forces with Tony Salentino to grow and improve the great reputation of Complete. Since joining Tony the business has had an excellent growth spurt and more staff have been appointed which has enabled Complete to offer an excellent broker focussed proposition.
Phil is a hands-on businessman who leads by example, ensuring the service given is always first class with honesty and integrity at the centre. Phil loves his sport and manages to still dash around a squash court. Phil is married to a fellow Southampton FC fan which makes Saturdays fun as they disappear together to St Mary’s to watch their beloved Saints.
DDI: 023 8045 0504
Email: phil@complete-fs.co.uk
Damian Cain Director
Damian re-joined Complete in December 2015 having been a Director from 1993 to 2008. He began his financial service career in 1984 working for a US money shop where he quickly became the firms youngest UK branch manager. Never one to miss an opportunity Damian saw the potential of the fledgling packager market of the early 1990s and formed Complete Mortgage & Loan Services in 1993.
Damian’s outside interests include being a long term season ticket holder at Southampton Football Club, being a member of Hockley Golf Club, and regular walks out in the nearby New Forest with his wife and cockapoo Harry, whilst of course accidentally finding the occasional pub for lunch.
Damian’s return highlights the Complete’s commitment to continued growth, whilst maintaining market leading service for its introducers and lender partners.
DDI: 023 8045 0511
Email: damian@complete-fs.co.uk
Claire Budden Director
Claire joined the Complete board as a director in Jan 2024 having re-joined the company as Associate Director of Operations in 2017. She also worked for Complete as Office Manager between 2005 and 2010.
Between 2010 to 2017 Claire was a key member of the management team within another financial services firm, gaining significant management and leadership skills over this period.
She brings with her a wealth of financial services experience having now been in the industry for 25 years.
She has proven ability in the implementation of new departments, the merger of existing companies and the retraining of staff against new goals in line with new company structures.
Claire is a hands-on manager who leads by example ensuring that service is at the heart of everything that she does.
Outside of work Claire can regularly be found at St Mary’s Stadium supporting her beloved football team, Southampton FC. She enjoys socialising with friends and spending time with her nephews and niece.
DDI: 023 8045 0518
Email: claire@complete-fs.co.uk
Phil Jay Director
Phil Jay has been in the specialist mortgage sector for 18 years, having worked for a mutual Building Society for a further 10 years. Phil joined Ian Nelson at BDS back in 1996 when packagers were beginning to make a mark in the intermediary sector. Starting out with a small group of local brokers Phil grew the business year on year which, at the peak of the market, employed 80 staff and represented over 30 lenders. Phil and BDS achieved a number accolades including ‘Best Mortgage Packager’ at Mortgage Strategy and ‘Best Business Leader’ at Mortgage Solutions.
In October 2004 BDS became a mortgage network and generated a strong brand of tied distribution which enabled the business to generate good profits and acquire quality staff in the sales, administration and compliance departments. BDS was able to offer a quality service which attracted loyal and quality brokers.
In 2007 Phil was instrumental in selling BDS to the Skipton Group which complimented their growth strategy and aligned it’s business to Pink Homeloans.
In 2010 the mortgage market continued to be greatly depressed, Phil joined forces with Tony Salentino to grow and improve the great reputation of Complete. Since joining Tony the business has had an excellent growth spurt and more staff have been appointed which has enabled Complete to offer an excellent broker focussed proposition.
Phil is a hands-on businessman who leads by example, ensuring the service given is always first class with honesty and integrity at the centre. Phil loves his sport and manages to still dash around a squash court. Phil is married to a fellow Southampton FC fan which makes Saturdays fun as they disappear together to St Mary’s to watch their beloved Saints.
DDI: 023 8045 0504
Email: phil@complete-fs.co.uk
Damian Cain Director
Damian re-joined Complete in December 2015 having been a Director from 1993 to 2008. He began his financial service career in 1984 working for a US money shop where he quickly became the firms youngest UK branch manager. Never one to miss an opportunity Damian saw the potential of the fledgling packager market of the early 1990s and formed Complete Mortgage & Loan Services in 1993.
Damian’s outside interests include being a long term season ticket holder at Southampton Football Club, being a member of Hockley Golf Club, and regular walks out in the nearby New Forest with his wife and cockapoo Harry, whilst of course accidentally finding the occasional pub for lunch.
Damian’s return highlights the Complete’s commitment to continued growth, whilst maintaining market leading service for its introducers and lender partners.
DDI: 023 8045 0511
Email: damian@complete-fs.co.uk
Claire Budden Director
Claire joined the Complete board as a director in Jan 2024 having re-joined the company as Associate Director of Operations in 2017. She also worked for Complete as Office Manager between 2005 and 2010.
Between 2010 to 2017 Claire was a key member of the management team within another financial services firm, gaining significant management and leadership skills over this period.
She brings with her a wealth of financial services experience having now been in the industry for 25 years.
She has proven ability in the implementation of new departments, the merger of existing companies and the retraining of staff against new goals in line with new company structures.
Claire is a hands-on manager who leads by example ensuring that service is at the heart of everything that she does.
Outside of work Claire can regularly be found at St Mary’s Stadium supporting her beloved football team, Southampton FC. She enjoys socialising with friends and spending time with her nephews and niece.
DDI: 023 8045 0518
Email: claire@complete-fs.co.uk
Phil Jay Director
Phil Jay has been in the specialist mortgage sector for 18 years, having worked for a mutual Building Society for a further 10 years. Phil joined Ian Nelson at BDS back in 1996 when packagers were beginning to make a mark in the intermediary sector. Starting out with a small group of local brokers Phil grew the business year on year which, at the peak of the market, employed 80 staff and represented over 30 lenders. Phil and BDS achieved a number accolades including ‘Best Mortgage Packager’ at Mortgage Strategy and ‘Best Business Leader’ at Mortgage Solutions.
In October 2004 BDS became a mortgage network and generated a strong brand of tied distribution which enabled the business to generate good profits and acquire quality staff in the sales, administration and compliance departments. BDS was able to offer a quality service which attracted loyal and quality brokers.
In 2007 Phil was instrumental in selling BDS to the Skipton Group which complimented their growth strategy and aligned it’s business to Pink Homeloans.
In 2010 the mortgage market continued to be greatly depressed, Phil joined forces with Tony Salentino to grow and improve the great reputation of Complete. Since joining Tony the business has had an excellent growth spurt and more staff have been appointed which has enabled Complete to offer an excellent broker focussed proposition.
Phil is a hands-on businessman who leads by example, ensuring the service given is always first class with honesty and integrity at the centre. Phil loves his sport and manages to still dash around a squash court. Phil is married to a fellow Southampton FC fan which makes Saturdays fun as they disappear together to St Mary’s to watch their beloved Saints.
DDI: 023 8045 0504
Email: phil@complete-fs.co.uk
Damian Cain Director
Damian re-joined Complete in December 2015 having been a Director from 1993 to 2008. He began his financial service career in 1984 working for a US money shop where he quickly became the firms youngest UK branch manager. Never one to miss an opportunity Damian saw the potential of the fledgling packager market of the early 1990s and formed Complete Mortgage & Loan Services in 1993.
Damian’s outside interests include being a long term season ticket holder at Southampton Football Club, being a member of Hockley Golf Club, and regular walks out in the nearby New Forest with his wife and cockapoo Harry, whilst of course accidentally finding the occasional pub for lunch.
Damian’s return highlights the Complete’s commitment to continued growth, whilst maintaining market leading service for its introducers and lender partners.
DDI: 023 8045 0511
Email: damian@complete-fs.co.uk
Claire Budden Director
Claire joined the Complete board as a director in Jan 2024 having re-joined the company as Associate Director of Operations in 2017. She also worked for Complete as Office Manager between 2005 and 2010.
Between 2010 to 2017 Claire was a key member of the management team within another financial services firm, gaining significant management and leadership skills over this period.
She brings with her a wealth of financial services experience having now been in the industry for 25 years.
She has proven ability in the implementation of new departments, the merger of existing companies and the retraining of staff against new goals in line with new company structures.
Claire is a hands-on manager who leads by example ensuring that service is at the heart of everything that she does.
Outside of work Claire can regularly be found at St Mary’s Stadium supporting her beloved football team, Southampton FC. She enjoys socialising with friends and spending time with her nephews and niece.
DDI: 023 8045 0518
Email: claire@complete-fs.co.uk
Harry Raymond
Harry started college in 2013 and studied Uniformed Services for 3 years. Whilst studying he worked part-time in retail to finance his away days with Newcastle United FC.
Having finished his studies, Harry wanted to find a long-term position with the opportunity for career progression and joined Complete in April 2017 through an Apprenticeship scheme.
In his spare time Harry follows his beloved Newcastle United up and down the country. When he isn’t watching football he is playing football for two different teams (Harry used to play at county level but had to stop due to work commitments). And when he isn’t kicking a ball around Harry enjoys socialising with friends.
