Becki Davidson CeFA, CeMAP

Director & Adviser of Mortgages, Protection & General Insurance

Becki has been in Financial Services since she was 16, about 25 years, although she doesn’t like to admit her age.  Starting at the “Pru” as a school leaver and working through varies large Banks such as RBS, Natwest and Bank of Ireland.  Becki has worked roles including Sales & Quality, Underwriting, Training, Business Development & Advising – you may say she knows this industry inside out!

Whilst at Bank of Ireland she achieved Sales Person of the Year at the Mortgage Strategy Awards, an amazing experience at the Royal Albert Hall, with the award delivered by the engimatic Rob Brydon.

In 2009 Bank of Ireland decided to pull out of the UK market for a while, leaving her jobless, so what better time, than in the middle of a world wide Financial Crisis to move into a Self Employed Role dealing directly with clients?! Actually this was a blessing in disguise as she hasn’t looked back, being able to draw on her extensive experience with major lenders has allowed her to provide a 5 star service to clients for both their Mortgage & Protection needs.

Becki became Principal of XL Finance Ltd in June 2016 and continues to run XL as a firm committed to their clients and dedicated to establishing long lasting relationships, it is hard work, and many hours however never a chore – Becki loves this job, and loves her clients.

When not working Becki likes to relax with a G&T with her family, aggressively cuddle her long suffering dog Montylicious and visit the Cornish Coast

You can contact Becki on 07753 748780 or

Mike Harvey

Adviser – Mortgages, Protection, General Insurance

Mike has been with XL Finance Ltd since its inception in 2005, he has over 26 years in the industry having previously worked in banking, estate agency and another firm of Independent Financial Advisors. 

He is based in his hometown of Burntwood in Staffordshire, with clients from all over the Midlands and some even further away than that. He makes it his priority to ensure that everyone he deals with gets the same high level of attention and service up until completion and beyond.

When not working he likes to spend time with his family and new grandchild, watch his beloved Birmingham City, listen to all types of music and in recent times thanks to Lockdown 2020 he has developed a passion for running.

Mike can be contacted on 01543 275 894 / 07710 862 959 or

Harry Kalsi

Adviser – Mortgages, Protection, General Insurance

Harry trades under XL Finance Ltd as “Financial Planning Care Ltd” and is based in Stourbridge, he has over 30 years in the industry, and previously worked for a large insurance provider.

When Harry isn’t advising he loves to retreat to the Cornish Coast for long walks and enjoys staying active with all types of sporting activities including swimming and football.

Harry can be contacted on 01562 882 074 / 07885 866415 or

Raj Dhesi Cert PFS, FPC, CeMAP

Adviser – Protection, General Insurance

Raj has worked in Financial Services since 1978! He previously worked for a major insurance provider and joined XL Finance Ltd in 2013.

Raj has chosen to specialise in Protection and has been awarded several industry accolades over the years, including a 21 year consecutive run of attending Achievement Conference Awards for the insurance provider for excellent business standards in proving Financial Services.  He also was awarded with the Life Insurance Associations (LIA)Award which signifies a high degree of professional competence in the selling of Life Insurance combined with exceptional service to both clients and the profession.

Raj is a certified member of the Personal Finance Society (PFS), a recognised UK association of professional Financial Advisers, as well as being a member of the Million Dollar Round Table (MDRT) which is an international body of professional advisers.

Raj can be contacted on 0121 357 9131 / 07951 391069 or

John Coleman

Adviser – Mortgages

John has many years experience within the industry and has chosen to specialise in Mortgages, he has been with XL Finance Ltd since 2013 having worked for various other companies in previous years.

John is based in Barnt Green and has clients all over the Midlands, he is now serving the children of clients which is a testament to his professionalism and how well his clients think of him.

When taking some well earned rest from XL Finance Ltd John loves to travel and sail, and has a love of vintage cars.

Harriet Hobbins

Adviser – Mortgages & Protection

Harriet has been in Financial Services for the past 10 years. Having worked for every side of the fence – Lender, Packager and Specialist brokerage – she understands the transaction from everyone’s perspective, to help make your journey as smooth as possible.

This focus on customer service helped Harriet achieve Business Development Manager of the year at the Mortgage Introducer awards – for two years in a row!

Harriet has joined the team in 2021 to specialise in Mortgages and Protection and is based in Solihull. Her background in specialist lending means she can help with cases including adverse credit, complex income and cases where the computer may have said no to clients in the past.

In her personal time Harriet likes to play Netball and ride her road bike- mainly to burn enough calories for the cake at the end!

Montylicious Superpup

Chief Tail Wagger

Montylicous, Monty for short is based with Becki at XL HQ, he is 11 this year and feels his cuteness, and nose twitching contributes to a happy workplace … he isn’t wrong, his happy demeanour lifts Becki’s spirits on a daily basis – he would also like to point out that Becki absolutely CAN work whilst having a 4.5 stone furball on her lap and he doesn’t understand why she says no!

John Woffinden

John Woffinden founded this firm in 2005 and since day one the company has grown in clients and advisers to become a well-respected, and frequently recommended firm.

John sadly passed away June 2016; with Becki taking over to continue the good work and continue the firm with the mantra of WWJD (What Would John Do?).  Over 15 years of serving the West Midlands and surrounding areas, with clients up and down the country from Newquay to Northern Ireland, Solihull to Scotland, we will continue to give our clients the best advice, a listening ear and if they are very lucky an XL Finance Ltd Keyring!

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