The team

Meet our team

Find out about our professional and experienced team - who they are, how they can help you and how you can contact them.


Andrew SolomonidesManaging Director

Andrew established Crystal Life in 1993 and has successfully built his team to become a reputable firm, providing Protection and Mortgage advice. Andrew qualified in 1988 while working for Allied Dunbar and holds the FPC and Adv CeMap qualifications. He has experience advising on pensions, investments, protection and mortgages, however, he specialises in residential and commercial mortgages, bridging finance and equity release.

Andrew is a keen player and follower of football, he keeps himself fit by playing 5-a-side football twice a week and, as an Arsenal season ticket holder, if he isn’t playing football he’s at the game watching it.

*Some Forms of Commercial Lending and Bridging Finance advice are not regulated by the Financial Conduct Authority.

Dilip KapurFinance Director

Dilip was the owner and Director of Tremellen Jeffrey Allen before the merger with Crystal Life in April 2020. He has always been an entrepreneur and has an excellent track record of building companies and growing businesses across various different sectors. Dilip is also currently a Director of two media companies that operate in the film and cinema sector and he was a member of the City Branch of the Institute of Directors for a decade before retiring this post.

In his spare time Dilip is also a member of BAFTA, a Freeman of the City of London and a member of The City Livery Club, however, when he is relaxing outside of work, he fills his spare time with films, tennis, golf and portrait drawing. He is also a keen player of Chess and Bridge and he was even number 2 in the country at Chess in his younger years.

Debbie LincolnOffice Manager

Debbie worked for Tremellen Jeffrey Allan Ltd since 2010 and is the Office Manager and moved to Crystal Life with the company merger in April 2020. Debbie spent 9 years working in the IFA division of Allied Dunbar and has in excess of 10 years financial services experience. As well as managing the office, Debbie is involved with all aspects of the business and provides invaluable support to the advisers.  Debbie is also a qualified adviser holding the Diploma in Personal Financial Services and although not currently practicing, she continues her professional development ensuring that she keeps her knowledge up to date and relevant.

In her spare time Debbie enjoys eating out, reading and going to the gym.

CHRISTOPHER ALLENRetail Investment Adviser

Christopher is a Chartered Associate of the London Institute of Banking & Finance (LIBF). He likes to engage with and understand his clients, to make the most appropriate recommendations, and make referrals to other professionals where appropriate.

Previously to Crystal Life Ltd, Christopher was a technical pensions specialist and became a Chartered Financial Adviser and Pension Transfer Specialist. He carries the skills and knowledge gained during this experience into his role at Crystal Life and aims to enhance and build upon those foundations through client service and further studies.

In 2020, Christopher became one of the first people to sign up to the 9 Principles of the Financial Vulnerability Taskforce (FVT). The FVT is an industry effort to improve dealings with customers, by sharpening the awareness of advisers, strengthening the processes of financial businesses serving the retail sector and promoting the idea of “A Safe Pair of Hands”.

In his spare time, Christopher is a trustee of a beekeeping association, vice president and treasurer of his local Rotary Club, and looks after a hive of friendly honey bees.

Dimitris HitraMortgage Adviser

Dimitris joined Crystal Life in 2007 as a Mortgage Administrator and progressed to qualify as a Mortgage and Protection Adviser in 2011. He holds a CeMap qualification and specialises in Residential and Buy to Let mortgages as well as Protection.

In his spare time Dimitris is a keen fitness enthusiast. When he is not working he will likely be either playing football or be working out in the gym. Dimitris is a fan of Tottenham Hotspur and, although loves working alongside Andrew, when it comes to football you won’t find them on the same team.

*Some Forms of Buy to Let advice are not regulated by the Financial Conduct Authority.

Karl LovelProtection, Mortgage and Equity Release Adviser

Karl holds the CeMap 1,2 and 3 qualifications, as well as the CII RO5 and a Certificate in Regulated Equity Release. He began working in the industry in 2005 and has a wealth of industry experience dealing with individual and business requirements. His specialist areas include life and critical illness cover, income protection, health insurance, business protection and trusts. Karl is currently working towards his Diploma in Regulated Financial Planning.

Karl is a huge Rugby Union fan and likes the odd game of golf, however, when he’s not enjoying sport, he loves travelling and cooking.

*Trusts Planning advice is not regulated by the Financial Conduct Authority.

Timothy DailyMortgage, Lifetime/Equity Release & Protection Adviser

Tim holds the CII Financial Planning Certificate and the CII Equity Release Certificate. He first entered the financial services industry in 1979 first working for HSBC then moving to a branch in the City of London. His career then quickly developed and by 1991 he was the Vice President of a US Investment Bank and was the founder and Chairman of the International Securities Lending Association, ISLA. Wanting to spend more time with his young family Tim left the City and moved into retail financial services in 1992 by joining Legal & General based in Milton Keynes as a financial adviser specialising in mortgages and protection for both individuals and business clients. Over the last 30 years Tim has established himself in the Milton Keynes area as a well-respected Mortgage and Equity Release adviser with expert knowledge particularly for the Self Employed, First Time Buyers and Retired clients. He joined Mortgage Solutions Centre Limited in July 2014 and this Company was subsequently acquired by Crystal Life in December 2021

Tim is a family man with two adult daughters and 5 grandchildren. In his spare time, he helps run a community choir in his home town of Newport Pagnell called the Newport Pagnell Singers along with his wife Jenny. Tim has been a chorister for over 40 years and has sung at many of the great Cathedrals such as St Paul’s, Ely, St Georges Chapel Windsor and most recently Westminster Abbey.

*Some Forms of Buy to Let advice are not regulated by the Financial Conduct Authority.

Trevor SmithOperations Support

Trevor joined Crystal Life in 2020 as the Operations Director. Prior to joining Crystal Life, Trevor had 47 years’ experience in financial services including working with Tremellen Jeffrey Allan since 2011 as an Independent Financial Adviser, specialising in workplace pensions and automatic enrolment pension schemes, as well as 6 years’ experience as a workplace pensions specialist.

Before becoming an IFA, Trevor had a career in both sales and management with Prudential Assurance and spent 28 years with them before taking early retirement. As an Associate of Chartered Insurance Institute, qualifications were gained in pension scheme administration and law.

During his spare time Trevor loves travelling in his motorhome in both the UK and all over Europe. He also serves as a Trustee of his local Citizens Advice Bureaux.

*Auto Enrolment advice is not regulated by the Financial Conduct Authority.

Rachel TrulockAdviser Support

Rachel joined Crystal Life in June 2021, having previously worked in the hotel sector as an Events Sales Manager, organising events such as weddings, parties, and other large-scale celebrations. Rachel is an asset to the team, bringing extensive customer service experience, working along side the other members of the admin team. Rachel will usually be your first point of call in the office, ready to help you with any queries you might have.

Most of Rachel’s spare time is spent bringing up her family and making memories with her two children. When she does get time to herself, she loves socialising with friends and making the most of life.

Mortgage Office: 14 Park Road, Crouch End, London, N8 8TD  |  T: 020 8292 6556    E:

IFA Office: Suite 243, Kinetic Business Centre, Theobald Street, Borehamwood, Hertfordshire, WD6 4PJ  |  T: 01923 333199    E:

The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Crystal Life Ltd is an appointed representative of The On-Line Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.

Registered in England and Wales. Registered No. 3687985.

Registered office address: First Floor, 677 High Road, North Finchley, London, N12 0DA


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