Meet The Team
Stuart Vitty FPFS
Chartered Financial Planner
Stuart founded Independent Lending in 2005 and has grown the business through his passion for developing client relationships and providing excellent customer service. He is a Chartered Financial Planner and in 2022 became a Fellow of the Personal Finance Society. He is committed to maintaining up to date relevant industry knowledge to support the business and obtain the best outcomes for clients
James Baughan FCBI, BA(Hons)
Commercial Finance Director
James is a highly experienced corporate, commercial and retail banker with over 30 years experience. He has held various roles at NatWest Group, Santander and latterly Metro Bank specialising in relationship lending and leadership roles. He is an experienced commercial finance professional who specialises in the following areas of commercial finance:
Olivia Hibbert Cert CII (MP)
Mortgage Director
After completing her A-Levels, Olivia joined Independent Lending as an Apprentice in 2015. She quickly completed her apprenticeship and has now completed her Mortgage qualifications and has been a Mortgage Adviser for Independent Lending since 2021. Olivia has become a respected member of the team and provides valuable advice and support to our clients. She has recently been appointed as a Director of Independent Lending and is committed to providing high levels of customer service for our clients.
Thomas Higginbottom DipPFS Cert II (MP)
Mortgage Adviser
Tom joined the Independent Lending Team as a mortgage administrator in July 2024 after graduating from New Buckinghamshire University. He has now completed his Mortgage qualifications and has been a Mortgage Adviser for Independent Lending since 2025. Tom is an invaluable member of the team providing excellent customer service to our Residential and Commercial clients..
Ashley Thompson
Commercial Finance Administrator
Ashley joined the Independent Lending team in May 2024 and has extensive experience working and supervising in Mortgages and Finance. She has recently spent some time developing and managing the family bakery business but was keen to return to Financial Services use her knowledge and skills providing a service she is passionate about.
Ashley delivers high levels of customer service to all our clients and provides administrative support to the Commercial Finance Director.