Meet our team

Simon Garling

Managing Director

I am married with two grown up children and live in the Cotswolds.

I have been in the industry since 1987 & started S.O.E. Consultants which morphed into S.O.E. Financial when Vikas joined me a few years ago.  I like to go on a morning run most days through the beautiful Cotswold countryside with my border collie Sunny

Most weekends I can be found messing about with old cars, either with my head under the bonnet fixing things, preparing a car for a show or watching historic car racing and enjoying the occasional track day.

Vikas Jain


Vikas lives in the Midlands with his wife and 3 young daughters. Having been qualified & working in the industry since 2004, he brings with him a breadth and depth of specialist mortgage and insurance knowledge. Vikas has spent 10 of those years with national corporate estate agents as their in house mortgage adviser. He joined S.O.E. Financial, in his own words, “because of their personal touch and straight speaking attitude,” something Vikas says is missing from financial services.
Outside of work Vikas is a charity football league player and if he isn’t spending time with his daughters he will be found honing his cooking skills as he is allegedly quite a cook!

Akeel Hussain


Primarily a mortgage & protection adviser, I have been involved in financial services & the property sector for nearly 20 years. My experience in other fields such as teaching, IT & hospitality have given me a well rounded & systematic approach to different scenarios.  All my clients will benefit from this diverse experience as part of the advice process which will help to create & maintain a long term business relationship.  When not working I can be found down at the cricket pitch indulging my huge passion & enthusiasm for the game.

Nadine Gruber


I live in South Wales, on the edge of the beautiful Brecon Beacons (now renamed Bannau Brycheiniog) with my partner and granddaughter. 

Having had a keen interest in property for many years and having experience of being a landlord for 10+ years, I wanted to help others to achieve their aspirations of property ownership, whether that be a first home, family move or an investment.

After relocating from Kent to Wales, I had the opportunity to develop my passion for property into a career and I qualified as a Mortgage and Protection Adviser. 

I love spending my free time with my grandchildren, having outdoor adventures in the surrounding Welsh countryside or in the garden learning how to grow our own food. It seems that we are very good at growing rhubarb, visitors are not allowed to leave unless they take some! 


We are independent mortgage advice specialists.

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Find Us At

Registered Office

Contact Us

Vikas Jain
Tel: 07944 477509
[email protected]

Simon Garling
Tel: 07771 802606
[email protected]

Akeel Hussain
Tel: 07908 717949
[email protected]

Nadine Gruber
Tel: 07719 762250
[email protected]

Joanne Hourigan
Tel: 07734 773242
[email protected]

Office Hours

Monday : 09.00 – 17.00

Tuesday : 09.00 – 17.00

Wednesday : 09.00 – 17.00

Thursday : 09.00 – 17.00

Friday : 09.00 – 17.00

Saturday : Closed

Sunday : Closed

Appointments outside of office hours by arrangement.

S.O.E. Financial Ltd is directly authorised and regulated by the Financial Conduct Authority (FCA) under reference number 935448. The Companies House registered office is at Ladywood, Whips Lane, Watledge, Nailsworth, Gloucestershire, GL6 0BB & is registered in England under the company number 12848050