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ABOUT

What Xinecto does

Xinecto connects you to lenders by matching your requirements against eligibility criteria of different banks and lenders, ensuring you only speak to the ones that match your needs.

Our mission is to bring transparency and efficiency to the UK mortgage market for expats and foreigners. We do this by providing a platform that gives borrowers transparent and direct access to willing lenders, saving you time, money and stress.

Our history

How Xinecto started

Xinecto was founded by three professionals working in the offshore finance sector in Jersey. With a shared enthusiasm and track record in digital transformation, Xinecto was born from a drive to make UK mortgage options for non-UK residents more transparent and efficient through the use of technology.

We were frustrated by the complicated processes involved for overseas investors in UK property. There was no central list of lenders and no published eligibility criteria. This makes it difficult to arrange finance across time zones and language barriers with no visibility, no choice and no control. We believed there was a better way. We built one.

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XINECTO

The Team

Toby Sawyer

CO-FOUNDER

Toby Sawyer

With 20+ years experience in Offshore Finance across some of the largest banks and trust companies, and a strong drive to optimise process efficiency and client experience, Toby co-founded Xinecto to fill an ineffective channel for non-resident banking clients with something fit-for-purpose in the digital age.

CO-FOUNDER

Jake Willis

Digital Automation is at Jake’s core. 20 years in Finance, Operational Risk and Operational Digitisation have helped him to forge a space in the Offshore Finance industry occupied by very few, advising banking clients on Digital Automation to improve risk controls, operational efficiency and ultimately client experience.

Jake Willis
Julian Gums

CO-FOUNDER

Julian Gums

Julian brings invaluable fintech experience to Xinecto, having delivered numerous big tech projects over the past 10 years. Leveraging his expertise in artificial intelligence and cyber security, he is always eager to create the best experience and find the right lender with cutting-edge machine learning technology.

NON-EXECUTIVE DIRECTOR

Oliver Mourant

Oliver brings a strategic mind to Xinecto with 20 years in the finance industry, co-founding a global investment consultancy firm with $40 bn+ AUR and building networks in the UK, Jersey, Europe and Australia. Most recently as COO of a Sydney-based firm, Oliver was involved in creating the operational architecture of a residential mortgage scheme, lending to non-Australian residents, primarily in the Asian market.

Oliver Mourant