Business Details
21 Years
experience
Expert Mortgage Advice in Kettering
TMP The Mortgage People has been providing expert mortgage advisory services since 2005, specialising in Shared Ownership and tailored property financing solutions. Our team of FCA-regulated professionals combines decades of industry experience with a client-centric approach, prioritising transparency and ethical advice. We maintain a 4.9/5 independent service rating by delivering stress-free mortgage processes, clear communication, and comprehensive affordability assessments. Our CeMap-qualified advisors support first-time buyers, remortgagers, and portfolio landlords through every stage of the homebuying journey.With physical and virtual offices across the UK, we serve clients nationwide while maintaining local market expertise. Our commitment to innovation is demonstrated through digital tools like the Instant Affordability Calculator and Mortgage Ready app. We actively contribute to community initiatives, including partnerships with mental health charities like The Tommy Crush Foundation.
Services
Mortgage Advice
Shared Ownership
Remortgaging
Affordability Assessment
First-Time Buyer Schemes
Details
- Year established: 2005
Highlights and features
- Specialise in Shared Ownership since 2005 with dedicated specialists
- FCA-regulated advisors holding CeMap and CF1 qualifications
- 4.9/5 service rating based on verified customer reviews
- Transparent fee structure with typical mortgage advice cost of 500
- Developed proprietary tools like the Instant Affordability Calculator
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Expert guidance
Personalised service
Stress-free process
Transparent fees
Knowledgeable advisors
Services
Mortgage Advice
Our FCA-regulated mortgage advisors provide comprehensive guidance for first-time buyers and experienced property investors. We specialise in creating tailored financing solutions that consider individual financial circumstances and long-term goals. Our CeMap-qualified team helps clients navigate complex mortgage products while maintaining complete transparency about fees and requirements.
Shared Ownership
We specialise in Shared Ownership schemes that help clients purchase between 10-75% of a property while paying rent on the remaining share. Our experts guide clients through eligibility requirements, deposit considerations, and financing options. This service particularly benefits first-time buyers seeking lower entry costs and reduced financial commitments.
Remortgaging
Our remortgaging service helps homeowners secure better interest rates and release equity from their properties. We analyse existing mortgage terms, credit profiles, and current market conditions to identify optimal refinancing opportunities. Clients benefit from our extensive lender network and in-depth knowledge of specialist mortgage products.
Affordability Assessment
We offer instant online affordability calculations combined with detailed manual assessments to determine realistic borrowing capacity. Our tools consider income, existing commitments, and future financial goals while maintaining compliance with FCA regulations. This service helps clients understand their property purchasing power before beginning house searches.
First-Time Buyer Schemes
We provide expert guidance on government-backed schemes including Help to Buy, Mortgage Guarantee, and Right to Buy. Our advisors explain eligibility criteria, application processes, and financial implications to help first-time buyers make informed decisions. We maintain up-to-date knowledge of changing regulations across different UK regions.
People
Kelly McCabe
Managing Director
Financial services professional with 25+ years experience. Founded TMP in 2005 after estate agency brokerage career. Reality TV show participant with passion for motorbikes and animal welfare.
Grace McDougall
Head of Partnerships
Career-long mortgage industry professional since leaving school. Specialises in building relationships with registered providers. Active cricket coach and self-confessed shoe enthusiast.
Arlene Upton
Operations Manager
Financial services veteran with 30+ years experience. Holds FPC qualifications and specialises in affordable housing. Former Gilbert & Sullivan Society performer with dual Scottish and Southeast England heritage.
Louise Jacob
Mortgage Consultant
Former travel industry professional turned mortgage expert since 2014. Shared Ownership specialist who enjoys scuba diving and Lego construction with her family.
Mitchell Cunniffe
Mortgage Consultant
Mortgage and protection specialist since 2013. Lives in Cornwall with family, enjoys coastal activities and sports including rugby and surfing. Combines professional expertise with outdoor lifestyle.
Questions
What mortgage schemes do you specialise in?
We specialise in Shared Ownership, Help to Buy, Mortgage Guarantee Scheme, and Right to Buy. Our advisors maintain up-to-date knowledge of all first-time buyer schemes across England.
Are your mortgage advisors qualified?
All our mortgage consultants hold CeMap qualifications with many possessing additional CF1 and CF6 certifications. We're an FCA-regulated appointed representative of Mortgage Advice Bureau.
How much are your mortgage advice fees?
Our fees range up to 1% of the loan amount, with a typical charge of £500. We provide full transparency about costs during initial consultations.
Do you offer online mortgage assessments?
Yes, we provide an Instant Affordability Calculator and Mortgage Ready app. These tools help determine borrowing capacity before formal consultations with our advisors.
How long does the mortgage process take?
Typical processing takes 4-12 weeks depending on complexity. We prioritise speed while maintaining compliance, with dedicated case managers guiding clients through each stage.
Do you support registered providers?
Yes, we partner with housing associations to streamline Shared Ownership purchases. Our dedicated team helps applicants complete transactions faster while maintaining compliance with housing regulations.
