Gareth Griffiths BA(Hons) CeMAP
Director

Gareth graduated with a degree in Financial Services, and following a season playing cricket in New Zealand, entered the finance sector with Bristol & West. Following around 5 years in mortgage administration, financial advice and mortgage underwriting roles, he then joined SPML as a mortgage underwriter, where he worked for several years before moving to Abbey Alliance Limited to move to the other side of things as a broker. Two years later saw the birth of CMS Limited, which was formed by Gareth and colleague Owen Mallia.

Based at Head Office in Bristol, Gareth is an experienced property investor and with mortgage underwriting experience both in the prime and sub-prime sectors and with mortgage advising experience, he has seen the mortgage industry from all angles, so is in a strong position from which to offer specialist advice. He has helped several of his clients build up and manage large property portfolios from scratch, and offers advice across the sector from buy to let, secured and commercial lending to first time buyer and adverse credit scenarios.

Gareth enjoys many sports and with a passion for cricket, having recently toured Fiji and Samoa with the prestigious MCC. He has played several seasons of Premier League cricket across the country, and played rugby at club level in the Bristol area.

Owen Mallia BA(Hons) CeMAP
Director

The Senior Director (in years!) at Clifton Mortgage Services Ltd is ex-professional Motor Cyclist and keen sportsman Owen Mallia.

Since attending the University of British Columbia in the early nineties where he attained a degree in Business Management, Owen has been involved in financial services; he joined the Lombard Financial Group in 1995 where he trained in Finance and Insurance services. Owen transferred to the Mortgage and Investment sector in 1998 and has been providing sound mortgage and investment advice from his practices in Torquay, Taunton and now Bristol, he is qualified to provide mortgage advice and has attained the Certificate of Mortgage Practice (CeMAP) qualification.

Since 2004 Owen has specialised in investment-property mortgage advice and portfolio management and welcomes enquiries from existing relationships and new clients alike.

Owen hold associations with a number of property intermediary companies and occasionally guest speaks at selected seminars.