About Us

Who We Are

Company Profile

Founded in 2013 by leading financial advisor and thought-leader Philip Cullen, we have grown our business based on providing first class services and the best financial advice to our clients. With over 20 years’ experience as a qualified financial, retirement planning and mortgage advisor, Philip has helped hundreds of clients to manage their financial affairs for a happier and more secure future. Together with his wife Sharon and the wonderful team at Southeast Financial Services, you can always expect a friendly and attentive service.

Southeast Financial Services is proudly accredited by the All-Ireland Business Foundation. We are well-known as a leading mortgage broker in Wexford and the South-East, offering our clients the best offers through our well-established relationships with the largest lenders in Ireland. If you are looking for a mortgage, we should always be your first port of call.

Who We Are

About Our Organization

Meet the Team

Philip Cullen

Founder / Director

Philip Cullen QFA, RPA, APA (Qualified Financial Adviser, Retirement Planning Adviser, APA Personal General Insurance) is the founder of Southeast Financial Services, with over 20 years’ experience in this industry. He has established himself as a leader in his industry and holds a Thought Leader Accreditation in Mortgages and Financial Planning from the All-Ireland Business Foundation that honours Irish businesses based on the company’s background, trustworthiness and performance, including feedback from customers, vendors and employees. Philip is a member of Brokers Ireland, the Life Association of Ireland, and the Institute of Bankers. He is passionate about finding the best outcome for clients ensuring that you and your family can enjoy a happy and secure life.

Lizzie Apostolopoulou


Lizzie Apostolopoulou is a Qualified Financial Advisor and Mortgage Advisor with a background in financial services and lending in commercial banking. Lizzie helps her clients to obtain mortgages for buying their first property, remortgaging, moving house, purchasing additional properties, and even those with a history of adverse credit. She believes that everyone’s life situation is unique and understands that each mortgage case must be structured to reflect this. Lizzie enjoys securing the best mortgage for her clients, regardless of circumstances and finds it a great pleasure to be part of this process, from the very first meeting through to completion.

Sharon McCarthy Cullen


Sharon McCarthy Cullen QFA is a Qualified Financial Advisor who has worked in Southeast Financial Services since the very beginning. Sharon has helped to grow the business to where it is today and she brings a wealth of experience to all the services we provide. She enjoys talking to clients and is committed to providing a discreet, professional service. Sharon believes strongly in our moral obligations to our valued clients. She is married to Philip and has two grown-up children. When not at work, Sharon enjoys spending time with family, reading, and walking her dog Ruby.

Carola Cullen

Executive Assistant

As Executive Assistant, Carola manages the smooth running of the office. With over 20 years of experience in a professional office environment, she ensures everything happens on time and on budget.

She is responsible for the efficient handling of client enquiries, managing calendars, setting up review consultations and timely access to the advisors as required. Carola provides high-level administrative support to Philip and the team and excels in time-management. She is studying for her QFA Qualification at the moment.


Nicole Hempenstall

Trainee mortgage advisor

Nicole is our Trainee Mortgage Advisor and her job is to support the Mortgage Advisors. She is responsible for overseeing clients’ mortgage applications from pre-offer through to completion. She ensures the process runs as smoothly as possible by ensuring files are managed to the highest standard and clients gather all the documents required for their mortgages.

She is 25 years young, and loves all types of sports especially GAA and soccer and attends lots of matches. She also loves walking her dog Lolly in the evenings. With a background in customer service and telesales, Nicole is excited to be part of our growing mortgage team and is currently working towards her APA (Loans) qualification.

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