The right advice starts with the right people

We believe that property finance and protection should work around you.

At Inca Financial, we take a calm, clear, and strategic approach to what can often feel like a messy or rigid process. Whether you’re a first-time buyer, looking to remortgage, moving house, growing a property portfolio or handling a complex commercial deal, we’re here to simplify the complexity.

We also provide protection solutions, so if life throws a curveball, your mortgage, bills, and family are covered giving you control and security when you need it most.

A woman and a man sitting on a blue sofa, engaged in conversation in a cozy room with a brick wall. The woman has a ponytail, and the man is holding a notebook. There is a large green plant next to them, and sunlight is coming through a nearby window. A dog rests near the woman's lap.

What sets Inca apart

Why start anywhere else?

Whether your situation is complex or simple, we fit a solution around you. We research, structure it properly, and match you with the right lenders. When others say no, we look for a way through.

Always a backup

If something goes sideways (like a down valuation or a sudden lender pull-out), we already know who to call next. There’s always a backup plan.

Smart deal structuring

We don’t just match you with a lender, we shape your application to fit the bigger picture. That means looking at what really matters to the lender and presenting your case in the best possible light.

Long term thinking

This isn’t about one deal. It’s about helping you protect and build your home, your portfolio, your future. That’s why our clients come back and recommend us.

Fast and honest communication

We stay in touch with everyone to keep things moving and on track. At Inca Financial, we believe in clear, honest communication, so you always know exactly where things stand.

Real world thinking

We think like investors, builders, and business owners because that’s who we work with. Our advice reflects how things actually work on the ground.

Meet the Team

  • John Aikman

    Founder & Managing Director

    Former pro rugby player turned mortgage specialist and business owner, he brings a straight-talking, results-driven approach to complex and commercial finance. He enjoys walks with his wife, daughter, and their dog, Inca.

  • George Keech

    Operations Director

    Mortgage expert with nearly a decade in property finance. Dedicated, reliable, and always finds the right deal for clients. Loves gaming, cooking, and his dog, Diamond. George is a bit camera shy, so here’s a photo of Inca instead.

  • Sam Tyson

    Marketing & Operations Manager

    Creative and results-driven, Sam specialises in client experience, lead generation, and campaign management, backed by over 10 years of marketing experience. She is happiest outdoors and spending time with her two toddlers.

  • Sally

    Sally Kehoe

    Senior Mortgage Adviser

    Over 20 years in mortgages, specialising in complex cases. Detail-focused, highly efficient, and compliance-savvy. Big fan of long walks, films, family time, and spending quality time with her daughter.

  • Reece Allen

    Mortgage & Protection Adviser

    Reece is a former competitive footballer and University of Leeds graduate who helps people navigate their property journey with confidence. He’s known for clear, honest mortgage and protection advice. Outside work, he enjoys hiking, running, and travelling.

Our services

With over 15 years of combined experience, we’ve been helping clients secure the right property finance and protection for their goals. Whether your situation is straightforward or more complex, you’re in the right place, we’ll help find the solution that is best for you.

  • Whether you’re buying your first home, remortgaging, moving house, or growing your property portfolio, we’re here to make it straightforward.

    At Inca Financial, we do more than just find you a mortgage. We guide you through the entire process with clear advice, tailored solutions, and real support. By working closely with a wide network of specialist lenders, we can secure finance that genuinely fits your situation.

    No jargon. No guesswork. Just a hands-on approach that gives you clarity and confidence from start to finish.

  • Most people know they should have protection in place, but assume it won’t happen to them until it does. That’s why it’s important to be covered if life throws an unexpected curveball.

    At Inca Financial, we keep it simple. We explain your options clearly and help you choose what cover fits your situation. From life insurance and income protection to accident, illness and key person cover, we’ll make sure you and what matters most are protected.

    And we don’t just recommend something and move on. We take the time to ensure you understand why it works for you, so you feel confident in the decisions you’re making.

Take the next step
Take the next step

Real experiences, real results

  • Shaun (First-Time Buyer)

    “George had been our main point of contact, who was reachable at all times to help us with any questions we had. The process we went through was made completely hassle free thanks to John and his professional team. Many hurdles had came up which we expected being first time buyers, these were always explained in depth by George. He helped us manoeuvre through these hurdles to successfully purchase our first home. I would recommend using John and his team for a professional and helpful assistance in purchasing your home.”

  • Helen (Property Investor)

    “I wanted to thank Inca Financial for their services and support to get my most recent bridging and development finance in place. This was an auction purchase through my company so had tight timescales and additional hoops to jump through. It was a challenge but they rose to it with enthusiasm and professionalism providing me with support throughout. My sincere thanks again of completing on time, and I look forward to working on the next one. I highly recommend speaking with Inca Financial to discuss your lending needs.”

  • Kelly (Remortgage & Protection)

    “This is now my third mortgage using John. I will continue to use them for mortgages and life insurance. The service is exceptional, they call when they say they will, they reply quickly to my emails and calls. They are realistic and honest and provide good advice which is explained in terms that I can understand. My mortgages and remortgages have gone through without a glitch and have been completely pain free. I recommend them to friends and family all the time. Thank you!”