Who We Help


As an ex-professional musician with many musician clients, and a regular performer David has never been far away from the centre of the musical world in London.  Throughout his thirty-five years in the financial services industry, he has helped countless freelance, salaried, and part-time musicians of all musical genres.  He fully understands the lifestyle and insecurities of the profession and is therefore able to take these factors into consideration when helping his clients find the best mortgage, as many of his clients will testify.


Clients with more complex income arrangements

At David Carnac & Co, in addition to our many musician clients, we have successfully arranged mortgages for increasing numbers of clients with more complex income arrangements including those who have multiple sources and styles of income.  Whether you are employed on a shorter-term contract, self-employed or a director of your own company or even a combination of both, especially in these uncertain economic times, selecting the most appropriate mortgage has never been more important.  And, contrary to popular belief, even for complex cases, it’s eminently do-able if you know what the lender requires and how they want to see the application presented.


Self-employed individuals

Most of our clients have some element of self-employment, often representing their freelance performing activities. Following the Covid-19 pandemic, lenders will require reassurance regarding this income and it is vital that a client’s situation is fully understood so that it can be represented accurately to a potential lender.  We also have schemes available to clients who have recently become self-employed or formed their own limited company and know exactly what those lenders will require to approve these cases.

My only aim is that I help my clients completely achieve their financial aspirations through honest and thorough advice – this benefits all parties as not only are my clients happy, but they come back and provide me with introductions to other like-minded people.

David Carnac

David entered the Financial Services Industry in 1987 after a brief career as a professional musician.  He gathered extensive industry experience within a number of advisory and management roles before he established David Carnac & Co in 1997, an independent practice totally designed to meet the needs of his discerning clientèle.  His clients, acquired mainly through personal recommendations, have a wide range of backgrounds.  Many are musicians or connected with the arts and he also has an ever-growing number of clients who are small business owners and or have more complex income structures.

David Carnac

Director and Senior Adviser

David studied the trombone with Peter Gane and Denis Wick at the Guildhall School of Music and Drama in the early 1980’s.  He freelanced extensively during and immediately after this period but in 1988 joined the then rapidly expanding financial services sector and banished his trombone to the loft to concentrate on building a career in financial services.  In 1997 he took the plunge and set up David Carnac & Co to specialise in providing independent mortgage advice to his ever-growing client bank, many of whom are musicians or those connected with the arts.


In 2006, following repeated suggestions by many of his friends and clients, he ventured into his loft, dusted his trombone off and gingerly blew it to see if both the trombone and his “chops” had any life in them.  David now complements his busy business life with a wide range of musical projects, playing principal trombone with the pick of London’s finest amateur orchestras, a considerable amount of chamber music and many charity events including tours to Zambia, Kenya, Sri Lanka and various Indian cities with the musical charity group Toccata.

What clients say

David Carnac & Co is a trading style of David Carnac Financial Services Ltd. David Carnac Financial Services Ltd is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.
Limited Company Number 09392030.
Registered in England and Wales at 7 Birley Road, London, N20 0HB

We normally charge a fee for mortgage advice. However, this will be dependent on your circumstances. Our typical fee is £595. Your home may be repossessed if you do not keep up repayments on your mortgage.

David Carnac & Co.

David Carnac & Co.
020 8343 8629
07958 280089

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