Zoe Fulford-Smith is an accomplished Mortgage and Protection Adviser with over 10 years of experience in the financial services industry. Her unwavering passion for her work and extensive knowledge in the field have established her as a highly skilled professional. Zoe’s career began as an Apprentice Administrator for a renowned Financial Services company, where she quickly excelled and was promoted to the position of Practise Manager. It was during this time that her passion and expertise flourished, leading her to become a Mortgage and Protection Adviser.

Throughout her career, Zoe’s dedication and commitment to the industry have allowed her to accumulate invaluable experience in meeting clients’ mortgage and protection needs. With a comprehensive understanding of the process from various levels within the industry, she has become well-versed in serving the diverse requirements of her clientele. Zoe’s special interest lies in working with First Time Buyers, and she actively seeks out more complex cases, finding great satisfaction upon their successful completion.

Zoe has also emerged as Kind’s trusted Equity Release specialist, providing guidance and support to older clients as they navigate the challenges of rising living costs. Her involvement in advising on Equity Release was inspired by witnessing the positive impact it had on a family member. Recognising their initial apprehension, Zoe understood the importance of professional expertise in easing their fears and highlighting the benefits. She acknowledges that Equity Release is not suitable for everyone, but for those who can benefit from it, the outcomes can be truly life-changing.

One of Zoe’s core beliefs is the significance of developing personal connections with her clients. She invests time in getting to know them individually and on a deeper level, allowing her to gain a thorough understanding of their priorities. By forging these personal bonds, she fosters a sense of friendship and trust throughout the process, ensuring a fulfilling experience for her clients.

While Zoe acknowledges the importance of technical knowledge, she firmly believes that effective advising extends beyond expertise alone. She places equal emphasis on active listening and establishing meaningful connections with her clients. This approach enables her to tailor her services and strategies to meet their unique needs, resulting in personalised and satisfactory outcomes.

Outside of her professional pursuits, Zoe eagerly anticipates Formula One races. However, her greatest joy lies in spending quality time with her family, especially her beloved daughter, Isla.