Debbie Collier

Mortgage Advisor / Broker

Debbie has been a Property, and Finance Expert for all of her working career, and founded Emil Thomas Associates in 2007.


She is a former Banking and Finance Lawyer who understands all aspects of transactions, and has extensive experience in all areas of Residential, Buy-to-let,  Commercial Transactions (by referral), and Mortgages.


Debbie prides herself on providing a top-quality service to clients, and is proud of the commitment and dedication that both she, and our Advisers offer to clients.


She particularly enjoys the relationships that she builds with her clients, and the lenders to ensure that her clients receive the best advice, and an unrivalled experience with Emil Thomas Associates.


Out of work, Debbie enjoys socialising with family and friends over good food and wine. She also takes an interest in most sports, and is currently 2 years into learning to play golf, and now attending Golf Days.



Tom Collier


Tom has recently joined the Firm after graduating and spending the last 7 years at “Top 5” Accountancy Firms in London, Sydney, and Melbourne.


He previously specialised in Corporate Recovery and Insolvency, and has extensive experience in providing financial advice to clients, and dealing with the lenders to negotiate better outcomes for clients.


Tom is currently undertaking the Full Diploma which will enable him to provide specialist advice across a number of sectors; including Mortgages, Protection, Pensions, and Investments. Tom is on track to be a fully qualified Financial Planner by 2020.


Outside of work, Tom enjoys a range of activities including Travel, Squash, Scuba Diving, Skiing, Football, and Rugby.  



Kieron Horn 


Kieron has worked with Debbie since 2015, and has more than 30 years’ experience in the mortgage market working for both Royal Sun Alliance, and Nationwide Building Society.


His initial background was as an Underwriter, specialising in approving loans on behalf of Lenders, and selling loans to customers via intermediaries.


Kieron believes a good customer outcome is the priority for all our clients, and he strives to provide this at every opportunity.


Outside of work, Kieron participates in Community Projects, and is responsible for the administration of 26 youth football teams at Whyteleafe FC; as well as being a manager for one of his son’s football teams.



Nikki Burgess

Compliance Officer and PA

Nikki has been working at Emil Thomas since it began in 2007, and alongside being a PA to Debbie, she is also now responsible for all Compliance at the Firm.


Before working at Emil Thomas, Nikki was employed by Swiss RE in London as a Team PA to the Finance Department, where she assisted around 40 team members with a variety of tasks including Marketing, Organisational management, and Administration.


Nikki effectively manages all our compliance obligations at the Firm, and she also ensures that the Firm runs seamlessly in order to allow a client orientated focus.


Out of work, Nikki spends most of her time with the family, and particularly enjoys Hiking, Swimming, and is an animal-lover.


Lisa Killin

Case Manager

Lisa has been working with Debbie since 2016, and she has progressed to Case Manager during this time.


Previously, Lisa has worked in the finance sector with Lloyds Bank and Bank Of America, with a primary focus on Payments and Accounting Systems.


She is enjoying learning about all aspects of Mortgage Lending, and is keen to continue expanding her vast knowledge in the Financial Advisory space.


Outside of work, Lisa enjoys socialising with her friends and family, participates in Pilates, walking with her Border Terrier, and watching her sons play football at the weekends.