Business Details
21 Years
experience
Expert Mortgage Advice in Kettering
Established in 2005, TMP The Mortgage People specialise in providing tailored mortgage solutions with a focus on Shared Ownership and affordable housing. Our team of experienced consultants combines deep industry knowledge with a commitment to transparent, client-centric service. With over two decades of collective expertise, we guide clients through every stage of the homebuying journey, from initial affordability assessments to final property acquisition. Our approach prioritises clear communication, ethical practices, and innovative problem-solving to address complex financial scenarios.Recognised for our exceptional customer service, we maintain strong partnerships with lenders and registered providers to deliver competitive rates and bespoke financing options. Our dedication to continuous professional development ensures our advisors remain at the forefront of mortgage market trends and regulatory requirements.
Services
Mortgage Advice
Shared Ownership Guidance
Remortgaging Services
Affordability Assessments
Protection Consulting
Details
- Year established: 2005
Highlights and features
- We specialise in Shared Ownership schemes with dedicated experts
- Our team provides transparent fee structures with no hidden costs
- Personalised guidance from 15+ years' industry experience holders
- Award-winning customer service with 4.9/5 independent ratings
- Comprehensive support through every stage of the homebuying journey
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Exceptional customer service
Knowledgeable advisors
Stress-free process
Successful completions
Transparent fees
Services
Mortgage Advice
Our mortgage advisory service provides expert guidance through the entire homebuying process. With specialists in Shared Ownership and first-time buyer schemes, we help clients navigate financing options, eligibility criteria, and application procedures. Our FCA-regulated advisors offer transparent fee structures and access to exclusive deals, ensuring clients secure the most suitable mortgage products for their circumstances while maintaining compliance with industry regulations.
Shared Ownership
Specialist Shared Ownership services help clients purchase property with reduced deposits and flexible financing. Our team works directly with registered providers to secure competitive rates and guide clients through eligibility requirements, partial purchase arrangements, and staircasing processes. We provide comprehensive support from initial assessment to completion, ensuring clients understand their ongoing responsibilities and future options within the scheme.
Remortgaging
Our remortgaging service helps homeowners secure better financial terms or release equity from their properties. Advisors assess current mortgage arrangements, market alternatives, and client financial situations to identify optimal refinancing opportunities. We manage the entire process including valuation coordination, lender negotiations, and legal documentation, ensuring minimal disruption while maximising potential savings or capital gains.
Affordability Assessments
Instant affordability assessments provide clear insights into clients' borrowing potential. Using advanced calculation tools and current lender criteria, we evaluate income, expenditure, and credit history to determine realistic borrowing limits. This service includes scenario planning for different property types and financing options, helping clients understand their market position before formal applications.
Protection Consulting
Mortgage protection services ensure financial security against unforeseen circumstances. Our consultants recommend appropriate insurance products including life cover, critical illness protection, and income replacement plans. We explain policy terms, coverage limitations, and claims processes, helping clients select appropriate safeguards that align with their mortgage commitments and personal circumstances.
People
Kelly McCabe
Managing Director
Founded TMP in 2005 after estate agency brokerage experience. Holds 20+ years' industry expertise, specialising in innovative mortgage solutions and business leadership.
Louise Jacob
Mortgage & Protection Consultant
Specialises in Shared Ownership with 10+ years' experience. Previously worked in travel industry before transitioning to mortgage advisory services in 2014.
Arlene Upton
Operations Manager
Financial services professional with 25+ years' experience in protection and mortgage sectors. Holds FPC qualifications and specialises in affordable housing market operations.
Grace McDougall
Head of Partnerships
Joined TMP directly from school, developing industry expertise over 15+ years. Specialises in registered provider partnerships and Shared Ownership scheme implementation.
Niall Howard
Mortgage & Protection Consultant
Shared Ownership specialist since 2019 with background in parenting course development. Combines financial expertise with client-focused communication skills.
Questions
What mortgage schemes do you specialise in?
We specialise in Shared Ownership, First Homes, and Mortgage Guarantee schemes, with expert advisors dedicated to affordable housing solutions.
How much are your advisory fees?
Fees are up to 1% of the loan amount (typically £500), clearly disclosed before service commencement with no hidden charges.
Can you help with Shared Ownership properties?
Yes, we're specialists in Shared Ownership with dedicated consultants who guide clients through eligibility, purchase, and staircasing processes.
Are your services regulated?
Yes, we're an FCA-authorised mortgage broker (via appointed representation) ensuring all advice meets strict regulatory standards.
Do you offer online mortgage assessments?
Yes, our instant affordability calculator provides immediate guidance, with option for detailed online application or phone consultation.
