Meet The Team

Meet the Team

With over 20 years experience in the Mortgage advice industry the team at Anita Cambie Financial Ltd bring a wealth of knowledge and experience to their clients. Since starting Anita Cambie Financial Ltd in 2010 Anita has many satisfied customers, read some of their testimonials here.

Anita and her team will guide you through every step of the application process. They provide a personal approach to all their clients and are available to answer any query you may have.

Anita Cambie Financial Ltd was built with the customer as priority. This is a core value of the business and ensures that the customer always receives the best advice. There is a NO FEES policy at Anita Cambie Financial Ltd ensuring that the customer is always looked after.

Anita Cambie Financial Ltd is one of Waterford’s and the South East leading Financial Brokers for MortgagesIncome ProtectionLife InsuranceSerious Illness and Home Insurance.


Anita Cambie

Anita Cambie

Owner / Principal

Anita is in the mortgage/insurance industry since 1997 and over the years has gained a wealth of experience. In 2011 Anita established her own mortgage broker business, Anita Cambie Financial Ltd. With Anitas in-depth knowledge of the mortgage and insurance industry the business has grown from strength to strength. 

Her experience with all the financial institutions has enabled her to offer a unique service to her clients. Anitas knowledge and awareness of the industry allows her and the team at Anita Cambie Financial Ltd deliver quality and suitable products that are currently available in the market to her clients. Each client has unique and particular requirements that they would like to achieve with their finances. Anita and her team pride themselves on delivery quality financial advice that is most suitable to their clients unique circumstances. The strength of this advice is often referred to with new clients that have been referred by a previous client.

Clair Moriarty

Clair Moriarty 


As Mortgage Manager for the firm, Clair is committed to providing comprehensive solutions to clients financial needs.  Clair started her career  in the Financial Services Industry in 1999 .  Her areas of expertise include Mortgage Advise for both Personal and Business clients and Wealth Management.  Prior to joining the team, Clair served as Senior Mortgage Advisor, Sales & Service Management and more recently Credit Union Lending Manager.  Throughout her career, Clair has helped individuals, families and businesses with their financial needs, and continues to provide only the highest standard of care and expertise.

Clair is a fully Qualified Financial Advisor (QFA) since 2009 and was awarded Graduate Diploma in Financial Planning in 2019.

Carmel Hutchinson

Carmel Hutchinson


Carmel is a well known and respected Qualified Financial Advisor with a wealth of experience in the financial services industry.Carmel held management positions for over the past 15 years in one of Irelands leading financial institutions. She has vast knowledge and expertise in Mortgage Lending, Business & Agri Lending, Personal Lending, and Wealth Management. Carmel is looking forward to meeting all her clients both old and new and providing them with a professional and friendly service.

Maria Nolan

Maria Nolan


Maria joined the team in May 2021.  Maria is delighted to return to financial services after taking a career break.   Maria has over 7 years’ experience as a mortgage adviser and is currently completing her QFA exams.   Maria is looking forward to advising clients throughout their mortgage journey and delivering a professional and friendly service.

Bernie Farrell

Bernie Farrell


Bernie joined our team in January 2018 having previously worked in AIB for almost 40 years. Bernie spent most of her time with AIB in management positions. During this time Bernie has gained a wealth of experience and knowledge of the finance industry. Bernie is a Qualified Financial Advisor and is delighted to bring her expertise to clients of Anita Cambie Financial.

Cait Kenny

Cáit Kenny


Cáit joined the team at Anita Cambie Financial Ltd in July 2021, having spent the previous 35 years working in various roles at PTSB, including almost 20 years as Assistant Manager and Mortgage Advisor. She is a Qualified Financial Advisor and has a wealth of knowledge of the financial services industry. Throughout her career she has enjoyed helping her clients with all of their financial needs, and she prides herself on striving to deliver only the highest standards of customer care to all. She is enjoying this new role and is really looking forward to meeting and dealing with all the clients of Anita Cambie Financial, existing and prospective.

James O'Sullivan

Nicola O'Malley


Nicola joined the team at Anita Cambie Financial Ltd in February 2022 as a mortgage administrator. She has 16yrs financial services experience having previously worked as a senior bank official at PTSB. Nicola is a qualified financial advisor and has extensive knowledge of the financial services industry. Nicola has spent her career helping clients with their financial needs and always delivers in a professional, helpful and efficient manner. Nicola is thoroughly enjoying her role as a mortgage administrator at Anita Cambie Financial Ltd and looks forward to helping all existing and prospective clients with their needs.

James O'Sullivan

Aisling Hutchinson

CIP , APA Loans

Aisling joined the team at Anita Cambie Financial Ltd in April 2022 as Mortgage Administrator and is coming from the lnsurance lndustry. Aisling has a wealth of experience from her previous Account Executive, Administration and Customer Service roles, Aisling has her APA Commercial & Personal General lnsurance qualification and is currently working towards her QFA qualification. Aisling is really looking forward to assisting the team in offering a professional and friendly service here at Anita Cambie Financial Ltd.

James O'Sullivan

James OSullivan

Office manager/Company Secretary

James is the office manager and is involved in keeping the office running smoothly. James has responsibilities in HR, Marketing & Strategy and administration. James has a long standing background in company development and is delighted to bring these skills and expertise to the team at Anita Cambie Financial Ltd. 



The maximum mortgage available is 90%, however this should be seen as guide only and for a specific assessment on to your own circumstances, please contact Anita Cambie Financial and we will guide you through the process.


Income Protection

An income protection insurance policy protects against the loss of your ability to earn money due to illness or disability .An income protection policy gives you the comfort of knowing that if your income ceases you will still have a source of income

Life Insurance

Life insurance pays money to your spouse or dependants or a named person when you die. It pays either a lump sum or regular income if you die during the time limit set out in the policy.

Expats Mortgage

Are you Irish and living abroad. Are you looking to move back to Ireland. If so Irish residents can apply and secure a mortgage for a property in Ireland without being present in Ireland.

Serious Illness

Serious illness insurance pays you a tax-free lump sum if you are diagnosed with one of the specific illnesses or disabilities that your policy covers, this can also be refered to "critical illness cover".

House Insurance

There can be considerable differences between policies in terms of what they exclude and the extras included. When you buy insurance, it is important to remember that the policy offering the lowest premium is not always the best.

Personal Attention

A referral remains the highest compliment we can receive. If you know of someone who could benefit from our advice we would be grateful for the introduction. 

Contact Us

Have a questions about your finances? We are happy to help. Use the contact form below and one of our team shall respond to your message.


Anita Cambie Financial came recommended to me from the some of Waterford’s estate agents and getting her help was the best move I made as regards my first mortgage application. Anita knows her stuff inside out and there was no enquiry too big, small or unusual no matter what time of the day we spoke. She was extremely professional and down to earth throughout the whole process and talked me through everything, and anyone I’ve recommended her to have had the same experience. Cannot speak highly enough of her.

Robert McDonald

Anita has dealt with my mortgage for a number of years now, starting from the initial draw down, and now with switching my mortgage to a new provider. Anita was available to take the call even outside of regular working hours, explain what state the process is on in plain English, what the next steps are and most importantly, Anita dealt with lots of administrative issues in a transparent way. I have recommended Anita’s services to several of my colleagues and would warmly recommend her again without any hesitation.

Dalen Kambur

My wife and me are absolutely delighted with Anita s service. We are really impressed with the personalised professional service and financial advice given to us. I have no hesitation in recommending Anita services to any of my friends and family

Madhu Narayanan & Sneha Das