About

Andrew Snowdon

Mortgage & Protection Adviser (CeMAP) Managing Director - Zeo Finance

I have worked in the financial services industry for 21 years and started Zeo Finance in 2017 in order to offer quality, independent mortgage advice. In my spare time I’m out and about with my wife and children, sometimes I get a chance to play the guitar and enjoy the morning views after wild camping on a mountain.

Ross Muge

Senior Mortgage & Protection Adviser (CeMAP)

I am a seasoned mortgage adviser with over 20 years’ experience helping clients navigate even the most challenging cases—from complex income and credit situations to unconventional income streams, helping overseas nationals and portfolio landlords with tricky buy-to-let scenarios. My passion lies in turning what others might see as obstacles into successful outcomes and recognising the importance of building relationships with clients, being available to go through each step is an important element for me when securing a mortgage for clients.

Outside of work, I am an avid sea swimmer, regularly braving the tides for a refreshing dip. When I’m not in the water, I’m walking the dog along scenic coastal paths or sampling local ciders, always on the lookout for a new favourite. I bring the same enthusiasm and dedication to my clients—whether conquering tough mortgages or discovering a crisp, new cider blend.

Jennifer Ridgeon 

Senior Mortgage & Protection Adviser

I’ve been a mortgage and protection adviser for over 20 years. Getting the right advice is vital in every walk of life. My passion is to provide a valuable and respected service. It’s so important to build honest and supportive relationships, especially when it comes to you and your family.

My husband (Rob) and I have 2 little girls, Lizzie and Maddie, who we absolutely cherish. As a full time working mum, it’s important to make the most of our family time. We have a touring caravan and love to trek around the UK!

Let’s talk Rugby League! Yes I’m a northerner and yes I’m mad about my team Warrington Wolves. However, I can appreciate a good game of Rugby Union too. F1 is a touchy subject in our household as we tend to support different teams but we agree that McLaren are and will always be pretty epic. Love Wimbledon, Shopping, Netflix & Pistachio Ice Cream.

Baggio Wan

Mortgage & Protection Adviser (CeMAP)

I was born and raised in Hong Kong and have worked in the financial services industry for over 10 years. I am trilingual, speaking English, Cantonese and Mandarin and specialize in mortgages for non-UK nationals. In my spare time I like to watch movies and play football. I am a big Manchester United fan.

Anna Amarante

Mortgage & Protection Adviser (CeMAP)

I’m a CeMAP mortgage adviser with nearly 10 years of experience, diving into the world of complex cases like expats, limited companies, and property portfolios. I love helping clients navigate the mortgage maze, turning financial challenges into success stories! When I’m not crunching numbers, you can find me traveling to new places, whipping up tasty dishes in the kitchen, or getting lost in a good book.

Nikki Whittaker

Mortgage Adviser and Case Manager (CEMAP)

I joined Zeo Mortgages in 2024 and getting to understand the mortgage industry has been fascinating. Helping both clients and advisers be able to find the right product for each individual circumstance is very rewarding. When I am not in the office and spending time with my family, I like being outdoors, walking, running, and playing my violin.

Kylie Law

Mortgage Case Manager (CEMAP)

I started at Zeo Mortgages in September 2025 to join the team that specialise in mortgages for non UK nationals. I am originally from Hong Kong with over 10 years in the financial services industry and speak Cantonese, Mandarin and English.

In my spare time I love travelling and getting together with friends and family as well as a game of table tennis or two! Since settling in the North West I have spent a lot of time volunteering and working with the local community.

Joanna Bacon

Operations Director - Zeo Finance

After 25 years working in education, first as a maths teacher and then a deputy head teacher and School Improvement Director I have taken the plunge as Operations Director. In my spare time I enjoy spending time with my family, walking my labrador and I’ve started to grow my own vegetables. I also enjoy watching football and have a season ticket at Blackburn Rovers FC.