Adverse Money Limited was created as the flagship specialist brand under The Money Group. It follows that the people who are part of this company share the same vision – to help clients the best way possible, despite all the obstacles.

Michelle Leyland - Director

Michelle Leyland


Michelle is a very experienced adviser with over 16 years’ experience in Financial Services advising clients. Starting her career as a cashier at Skipton Building Society in 2002, Michelle worked up to management, running over 10 branches. In 2011, Michelle decided to try the broker market and worked in new builds for 4 years before moving to the Mortgage Advice Bureau in 2015 specialising in re-mortgages and eventually moving into the estate agency arm of the business until 2018.

Get to know Michelle

Favourite Quote – ‘do what is right, not what is easy’

First record ever bought – Kylie Minogue and Jason Donavon – especially for you – on vinyl!

First car – A Citroen Saxo, sporty blue with an embarrassingly yellow and blue interior (cringe)

Favourite film – too many to mention, Dirty dancing, karate kid, the body guard, bridesmaids….. I could go on

Who would play me in a film – I’d like to say Charlize Theron but it’s probably more like Charity Dingle – a rough diamond like me

Ideal night out – My favourite gastro pub, red wine next to the cosy fire

Favourite biscuit – anything with chocolate

Last Holiday destination – Portugal in October… it rained a lot!

What do Michelle’s clients say about her – Having someone like Michelle in your corner is invaluable! Someone there who will answer any questions you might have quickly and in a way you will understand. I would definitely recommend South Yorkshire Money to anyone looking for expert advice from down to earth professionals! - Roisin, Doncaster

Catherine Treneer - Specialist underwriting Manager

Cat Young - Administrator Office Manager

Get to know Catherine

First record bought – Aaron Carter on Tape

First car – A pale blue Ford Fiesta called Fiona

Favourite film – Beauty and the Beast Original Film

Who would play me in a film – Belle or Hermione Granger

Ideal night out – Anywhere with plenty of cocktails!

Favourite biscuit – Lorem ipsum dolor sit amet

Favourite quote – Happiness can be found in the darkest of times, if one only remembers to turn on the light - Albus Dumbledore

Joe Thorpe - Second charge mortgage broker

Joe Thorpe CeMap - Mortgage Advisor

Get to know Joe

First record bought – Muse – Uprising (CD)

First car – Don’t Drive

Favourite film – The Other Guys (Mark Wahlberg & Will Ferrell)

Who would play me in a film – The one that you know is just going to be the first one to die

Ideal night out – A few friends & lots of drinks

Favourite biscuit – Mcvities Milk Chocolate Digestive

Favourite quote – ‘The definition of insanity is doing the same thing over and over again, but expecting different results” – Albert Einstein

What do clients say about him – Always contactable at any hour to answer any questions or resolve any issues

Steve Patterson - Equity release advisor

Jade McAllister - Mortgage Advisor

'Jade is an experienced Adviser who started her career back in 2008 with HSBC as a Mortgage Underwriter. She then spent the next 9 years with the bank, working as a branch customer service officer, a cashier and then completing her exams to become a Mortgage Adviser in 2015. She now specialises in adverse credit and enjoys helping her clients reach their goals in owning their own home.'

Get to know Jade

First record bought – Take That's second album- everything changes- on tape!

First car – a little forest green VW Lupo that was accident damaged but relatively safe!

Favourite film – Difficult to name just one: wolf of wall street, slumdog millionaire, also love pixar and disney films

Ideal Night Out – would probably say night in rather than out! takeaway, wine and a good film.

Favourite biscuit – a classic chocolate digestive

Last Holiday destination – a city break to Budapest, lots of walking, sightseeing and good food.

Favourite Quote – 'Be the change that you wish to see in the world'

What do clients say about him – Jade went above and beyond throughout the mortgage application process, she was available when we needed her and she made it feel easy. Thanks- Mr and Mrs Probert- Lincoln.

Steve Patterson - Equity release advisor

Steve Paterson - Independent Equity Release & Later Life Specialist

Steve is a very experienced Financial Consultant with over 21 Years’ service and experience working within the Finance Sector, particularly regarding building relationships with business and has a track record in delivering high-quality outcomes for customers.

After working on the Money Advice Service Contract and seeing the confusion on Lifetime Mortgages, Steve developed a passion for (and specialises in) the Equity Release market place.

Get to know Steve

First record bought – “Mull of Kintyre by Paul McCartney, a Christmas present for my mam!"

First car – "A mustard coloured Austin Allegro."

Favourite film – "21 Jump Street."

Who would play you in a film? – "Christian Slater."

Ideal Night Out – "Glasgow City Centre, then a sit down meal at an Indian Restaurant."

Favourite biscuit – "Breakaway, perfect with tea."

Favourite Quote – "If you put everything off until you are sure of it, you will never get anything done."

What do clients say about him – “We can't thank you enough for your help and patience throughout the whole equity release process. We will be recommending you to all our friends and family. However, you eat far too many biscuits” - Mary from Glasgow

Steve Patterson - Equity release advisor

Amy Cory - Protection Specialist

Amy has worked in the Financial Services Industry now for over 16 years, having experience in both Mortgage and Protection advice. Since 2008 she decided to specialise in protection only, as she felt this area of the industry was too often over looked from an advice point of view, and was as equally as important if not more, as it can offer financial security and help in the times of need and when clients are at their most vulnerable.

Get to know Amy

Favourite Quote – Life isn’t about waiting for the storm to pass, it’s about learning to dance in the rain. (I live by this quote)

Favourite thing to do? – Family Time, with My 3 favourite Humans, My Husband, My Daughter and My Son.

How do you Relax?– Once The clan are in bed, A Glass of Malbec and a good old True Crime Documentary.

Favourite biscuit – I’m more of a Savoury person, can I just pick a sausage roll?

Who would play you in a film? – I’d like to say Jennifer Aniston, but if you ask anyone else or My husband they would say Jane Danson (Leanne Battersby from Coronation Street) or Kellie Bright (Linda Carter from EastEnders), I get a lot of stick from my Family and Friends for being a cross between the two of them.

Favourite Place to Holiday? – Florida every time, once the kids grow up and leave home, I will still be standing at the Disney Parades, waving like I need a life guard.

Why Did you make the move From Mortgage Advice to Protection Advice? – When we buy our 1st house or forever homes, we don’t like to think of the worst, or ever losing the roof over our head, after all “we are all invincible right? And it will never happen to us”, but it does happen and circumstances can arise that are out of our control. I like to think that I help take away the Financial Stress and burden, so that people can focus their attention on their main priorities.

Steve Patterson - Equity release advisor

Martin Fawcett – Compliance Consultant

Martin Fawcett takes care of all FCA applications, permissions and liaison where appropriate. He is an enthusiastic and highly motivated individual, who has built up over 30 years of experience in all sectors of the financial services industry. With a proven ability to work alongside both management and staff, in order to identify their needs, Martin provides clear guidance and produces the required results.

Martin says

“ There are far too many myths surrounding becoming Directly Authorised, the vast majority of which are far from accurate and in many regards, actually untrue. The regulator has a remit to ensure the consumer achieves appropriate outcomes, regardless of what product or service they are buying. They do not wish to shut down small firms, if anything they want more competition in the market place, not less. My dealings with the FCA have always been courteous and positive and there is nothing to be feared by being Directly Authorised or engaging with the regulator ."

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