+ 44 (0) 1844 218 957
+ 44 (0) 1844 218 956
Independent Financial Adviser est. 1988
French and Spanish Mortgage Brokers
French Tax Planning Specialists

About Charles Hamer

Co-Founding Partner and Co-Director of the Charles Hamer Group


Jonathan Pawsey  co-founded the Charles Hamer Group in 1988 .  Our senior IFA , having taken his Degree in Economics, his qualifications extend to Advanced Financial Planning Certificates ( AFPC) enabling him to advise on pensions, investments, at retirement planning , investing for retirement and retirement sustainability).   He is fluent in French and  our “ in house” expert in Anglo-French financial planning matters able to assist anyone wishing to purchase a French home for holidays, rental or for their future place of residence or retirement. 
 

Co-Founding Partner and Co-Director of the Charles Hamer Group


Karen Ellis , a co-founder of the Charles Hamer Group ,  a Bachelor of Science ,   FPC in mortgages with 30 years experience in French mortgage broking , she specialises in heading the French mortgage team within the Group .  Having established banking contacts going back to 1988 , she  has applied and trained her team in the lending criteria of the Group’s extensive panel of French and Spanish mortgage lenders to make the mortgage process client friendly , and as simple as possible for our clients seeking a French or Spanish mortgage. 
 

Head of the Tax team and Co-director of Charles Hamer French Tax Services Ltd 


Alex Romaine completed his BA Hons degree in Business Studies and French back in 2000.  He joined Charles Hamer in 2001 having worked in customer-relations with Abbey National France in the Non- Resident French property Buyers team .  He’s fluent in French, holds the FPCin personal financial advice and has been the head of the French Tax Team within the Group  for 17 years .
Please contact Alex on 00 44 (0)1844 218 956.  Alex@Charlehamer.co.uk.
 

Senior Tax analyst specialising in French Capital Gains Tax Advice  


Emilie Mengin heads our French Office, based in Normandy.   Her qualifications include a diploma +2 years after A level in Accountancy and a Masters (+5) in Operational Management.  With her background in quality management and internal audits, she is known for  her scrupulous attention to detail which results in maximising tax mitigation for clients of Charles Hamer when dealing with the French tax Office whether it be for reducing French Capital Gains Tax on the sale of the French property or completing French Tax Declarations in relation to rental income generated from the French holiday home. Please contact Emilie on 00 33 2 31 97 80 72.  Info@charleshamer.co.uk.
 

Senior French and Spanish Mortgage Broker


Javier De Diego , joined the Group in 2014 , he is fluent in Spanish his background being in Specialised banking projects and Mortgages for Overseas properties. He is CeMAP qualified and  holds a Diploma in Financial Advice.  Clients of Charles Hamer benefit from both his personal and methodical approached which he diligently applies throughout his area of advice.     Javier is also qualified to offer advice on suitable life assurance policies for the French purchase and provides a comprehensive comparison of the policies available  though UK and French providers  to ensure that the French lender's requirements are met and ensure that our clients have a choice of provider.
Please contact Javier on 00 44 (0)18 44 218 957.  Enquiries@charleshamer.co.uk.
 

Commercial  Development and Client Relations Officer


Alice Couderc ,  joined Charles Hamer 2016 , she is in bilingual in French and English and  brings her  extensive experience in the French property sector  and mortgage finance to the Group . Her  background and speciality being in Leaseback developments,  having  worked with the well-known developer Groupe CECIM / Equalliance and NP Diffusion , in the South of France.
Please contact Alice on 00 44 (0) 18 44 261 886.  Mortgages@charleshamer.co.uk
 

COMPANY ETHICS

We support various charities and causes , our main support goes to Medecins Sans Frontier (MSF) , an impressive ethical organisation , which prides itself in being non-political and carries out humanitarian front line life- saving work in situations that are often demanding and dangerous   .  We’re always keen to support Emergency Disaster Committees ,  to reach those who are often the poorest in Society when affected by natural and manmade disasters and life threatening  situations .   Our other regular support goes to Action Aid, War-on-Want and Amnesty International.
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