We are Baya Financial

We are dedicated to giving time and excellence to each case. Experience has shown us that all cases are as individual as you, so there is very little ‘one size fits all’ in this game. Our loyalty is with you, with no ties to any particular lender.

We work with property investors throughout their journey, from clients starting on their first project through to experienced landlords. We are able to take a creative approach where it is needed to help you achieve your goal.

Over the years we have built up a reputation of getting the job done, and not always with the easier cases. We are a small team, and each and every case is important to us so you can be sure that we will give you our full attention.

This is why we tailor the case to your individual requirements, and work with you from your initial enquiry through to the day it completes.

We have a strong commitment to communication. To get a case across the line, it requires effective communication with all stakeholders – lenders, surveyors, solicitors – we always keep the momentum going right until the end.

The commercial area of finance is broad, from residential investment, both long term and short term; fully commercial or semi-commercial properties and development projects. It is vital that our expertise covers all these areas, so we can continue to work with you as you grow and move into different areas.

Our Team

ELLIE

Hi, I’m Ellie and I’m the new business manager here at Baya. I’ve been here since Jackie set up the company in 2018, and I love finding creative solutions for our clients. Working with property investors is always interesting and no case is the same, so it makes every day a new challenge! Our aim as a company is to be part of your team, so I’m always here to chat through your latest deal and make sure it works before you spend any money. I’m honest (some may say too honest!), but I hate wasting anyone’s time and really want to complete on what I quote you. I have been in finance for over 20 years, having mainly worked in the corporate world. I was a bank manager at Virgin Money before escaping to something more exciting! Outside of work my time is take up with my two busy children and their love of football! I help run my daughter’s team that Baya sponsor. I love to run, and my last challenge was the London Marathon in 2022.

SARAH

Hi, I'm Sarah, the most recent team member here at Baya. This role is new role for me, but I’ve really enjoyed the work, as well as the support and enthusiasm of my colleagues. I am highly organised and love to work efficiently, always looking at ways we can improve and provide the best service to support our clients. I like to work with data and numbers and would class myself as a bit of a data nerd.

Personal circumstances meant I took time out from my career to be my son’s carer. It is the most important role I've had to date. Along the way, I have picked up lots of transferable skills that I hope to utilise in my work life, such as honesty, resilience and the ability to problem solve where solutions aren’t immediately obvious.

In my spare time I do some volunteering work, both at a local hospice and befriending charity. I really enjoy supporting people, getting to know them and hopefully enriching their life.

JACKIE

Hello, I am Jackie and I set up Baya in 2018. I have been in property and finance since late ‘90s, as an employee and broker. What I love about this business is the problem solving.. whoever invented the phrase ‘passive income’ was in lala land. I too am a landlord and have a mixed portfolio so I can see things from broker and landlord point of view, and I know how hard you need to work to keep things reasonably smooth. I am passionate about delivering a company ethos based on transparency. It’s really important that we don’t sugar coat things when shirts can be lost. I really care about our clients. I also invest heavily in my relationships with lenders and solicitors. Knowing when to challenge is important and Baya has a good reputation for shooting a straight arrow, so we are listened to. I set up an office in the Philippines over 3 years ago, with 3 staff members; The wonderful temperament and work ethic of our 3 ladies has made such a positive difference to how we Baya and TFG works. I also own a fiduciary services company, TFG. Understanding the corporate side of finance has become more and more important as so many applications are from Ltd companies. Work aside, I live between St Albans in Hertfordshire and Streetly in the West Midlands with my partner Stuart. I love cars and sport, supporting Liverpool since I was 12. I also play a little golf, badly!! I am a grandmother to Evie and Raya, living near us; also I have a son in the middle East and a step son in NYC.

TRISIA

Hi, I’m Trisia from the Philippines! I’ve been with Baya since 2022, and it’s been an incredible journey of learning and growth. I feel truly privileged and excited to be part of the Baya team. One of the things I’m most grateful for is being able to support my family while working from home and witnessing my daughter’s milestones. It’s a balance I deeply value.

I’ve been in the banking and finance industry since 2016, and I genuinely love helping clients achieve their financial goals. It’s so fulfilling to be part of a process that empowers people to reach their financial aspirations. Hearing our clients' feedback motivates me to keep improving and doing my best every day.

I’m very family-oriented, and in our downtime, my family and I enjoy watching Filipino romantic-comedy movies together. When I’m not working or spending time with my loved ones, I’m always eager to keep learning and growing—both personally and professionally.

Every day with Baya and my family feels like an adventure, and I’m excited to see what the future holds!

LESLIE

Leslie Anne V. Amora is an accomplished Operations Executive at Baya Financial Ltd., bringing valuable expertise from her background in retail banking and collections in the Philippines. Leslie is dedicated to improving operational processes and enhancing customer experiences within the financial sector. Beyond her professional endeavors, Leslie has a passion for crafting, with a particular focus on creating beautiful printables. Whether designing invitations, lootbags, or custom stationery, she finds joy in bringing her artistic vision to life. This creative outlet not only allows her to express herself but also connects her with a community of fellow crafters. An enthusiastic badminton player, Leslie embraces the competitive spirit of the sport, enjoying both the physical challenge and the social aspect of playing with friends. Her diverse interests reflect her vibrant personality, balancing a fulfilling career with creative expression and an active lifestyle.

See Why Our Clients Keep Coming Back!

Excellent

Based on 56 reviews

Fantastic service. We used Baya for our very first bridging application whilst buying at Auction. This was obviously a risky process, and we were really nervous to move forward. They held our hand every step of the way and made sure we were in line for completion. I would highly recommend.

UK Lux Property (UKLP)

Great experience working with the team at Baya. They helped get a financing solution in place efficiently while finding quick solutions to problems along the way.

Paul & Lucy Atherton

We've used Baya for several transactions in the North West over the last 18 months and have several more lined up with them. Ellie, Jackie, Trisia and Leslie really go the extra mile to make sure the process is as smooth as possible. I couldn't recommend them more.

Pil MM1

I recently refinanced my first Hmo with Baya Financial. I’d like to say a big thank you to all the team at Baya. Ellie, Jackie & Trisia were fantastic throughout the whole process from start to completion, highly recommended and I look forward to working with them in the future – five stars!!!

M Li

Thank you for your excellent service in securing my remortgage. I am very impressed with how quickly and professionally you handled everything. I look forward to working with you again.

Judy Williams

The team at Baya Financial have been amazing from start to finish! They have been friendly, professional, tenacious and extremely supportive. We would happily recommend them and we look forward to working with them again.

Mark Hayhurst

Great service, they were so helpful and persevered with my remortgage which took a long time

Royce Turville

We recently used Baya to arrange bridging finance for two property purchases and the service was excellent throughout.

The team were quick, efficient and great communicators, keeping us updated at every stage of the process. They worked hard to get the right product in place and ensured everything progressed smoothly through to completion.

Really professional service and a pleasure to deal with I’d happily recommend Baya to anyone looking for property finance 👍

Ashley Lindsay

Unlike most brokers, Baya are realistic and don't tell you everything that you want to hear just to let you down later.
Their close relationship with lenders means you have a very good idea what the outcome will be before submitting.
They have a great team who keep on top of lenders and solicitors to push things through to completion.
Oh, and they are lovely people too 😀
Highly recommended

Sean Knott

It's been an absolute pleasure working with all the ladies at Baya Financial! After previously working with brokers that always felt like they were doing you a favour for giving them business this experience couldn't have been more different. Proactive, professional and always on the ball with a friendly demeanour which is always important when going through the process of buying houses. Many thanks Baya, until the next one. Would highly recommend!

Let's connect!

Got a question or need advice? We’re always happy to help—drop us a message and we’ll get back to you as soon as we can. We look forward to hearing from you!

We are Baya Financial

We are Baya Financial

Our Team

ELLIE

SARAH

JACKIE

TRISIA

LESLIE

See Why Our Clients Keep Coming Back!

Let's connect!

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