Joanne is the Independent Mortgage Consultant for Hart Financial Consultancy Ltd, having joined Hart in October 2005, she provides all Mortgage research and advice.

Having come to Financial Services in 1997 after time spent in the Armed Forces based in the UK, Joanne gained her full Financial Planning Certificate (FPC 1, 2 & 3) while working with Friends Provident within Pension Review and Financial Consultancy roles, and later on gaining her Certificate in Mortgage Advice and Practice (CeMAP) qualification within a local Countrywide estate Agent while working as a Mortgage Consultant before joining Hart, currently having gained her certificate in Regulatory Equity Release (CeRER).

Joanne lives with her husband Paul in Dorset.