About us

Get in touch for a free, no-obligation chat with an adviser about how we can help

Why choose us?

We create value for our clients because of our expansive understanding of the lending market, our expertise at finding financial solutions for complex requirements and our ability to access bespoke loans from specialist lenders. It is a secret throughout the banking industry that it is actually possible to negotiate interest rates with banks. This is where our knowledge and skillset shine.

The Mesa team can act quickly and we are not restricted to a panel of lenders. Therefore we can search the market and use our well established contacts to get the best financial solutions for our clients.

To ensure that our clients are in the strongest possible financial situation, we take a holistic approach to financial services and work with an exceptional network of professional partners.

Meet the Team

James McGregor


James is an experienced leader within financial services and one of the founding directors that established Mesa Financial in 2015.

After starting in banking as a cashier at 18 years of age, he has learnt the financial system from the ground up. James’ latest role before leaving the bank was managing a portfolio of high net worth clients for one of the top four UK banks.

James takes on the role of advising on structured finance for Private clients & Corporate businesses when they want to borrow more than £1,000,000.

Other than finance, James likes to pretend he’s a keen athlete, footballer and ex wakeboarder. 

Francisco Mesa Baya


Fran has fifteen years experience in banking and management. He went to the university of Seville in Spain and has a degree in business administration and economics. His main area of expertise is residential and buy to let mortgages. Fran has worked for 2 of the largest UK banks in various roles and in the last twelve years he has specialised in mortgages; initially as a mortgage adviser and as an independent mortgage broker and company director in the last six years. As well as mortgages Fran advises on lifetime mortgages (equity release) and he is our protection expert, advising on all insurance products in relation to mortgages..

In his spare time Fran enjoys travelling, cycling and paddle boarding on the Thames. 

Jo Payne CeMAP

Associate, Mortgages

Jo started working for Mesa Financial as a relationship manager in 2017. Since becoming an integral part of the team, Jo has built a great relationship with our high net worth clients. Her specialist areas include residential mortgages and family protection.

Before Mesa Financial, Jo spent 10 years at a high end London based estate agency looking after clients that were selling or buying for over £1,000,000. This is why Jo’s knowledge of the buying and selling process is second to none. 

Chris Treadwell

Senior Associate, Development Finance

After six successful years serving in the British Army, Chris decided to embrace the challenges and opportunities offered by the London property finance market. His role at Mesa Financial is to advise developers and property professionals on how to structure their capital stack. There is not a better analytical brain when looking at viability of development projects.

Chris started out as a high-net-worth mortgage broker in a Mayfair private office. He was then appointed as head of a new commercial & development finance team, where he predominantly worked with property developers and commercial investors. Chris then spent three years within a family office structure where they predominantly focused on lending money directly to SME developers.

Chris is also a keen runner and skier. (So he tells people) 

Dee Ganesharajah

Senior Associate, Mortgages

Dee comes to Mesa with over 10 years of experience in the mortgage industry. With a wealth of knowledge accumulated over this time, she provides an unparalleled personal tailormade service. Providing the best solutions to even the most complex scenarios.

Dee’s experience comes from working in a banking environment, followed by working with high net worth and ultra-high net worth individuals for a private brokerage. She worked for one of the largest buy to let brokerages in the U.K. giving her the scope and experience across the whole market.

Her specialism lies in the residential market, which often requires more attention to detail and knowledge of the market which she is certainly not short of.