Business Details
21 Years
experience
Expert Mortgage Advice in Kettering
Established in 2005, TMP The Mortgage People has built a reputation as a trusted partner in mortgage advisory services. Our team of experienced professionals specialises in guiding clients through the complexities of home buying, remortgaging, and Shared Ownership schemes. With a commitment to transparency and customer-centric service, we prioritise clear communication and tailored solutions to meet individual needs. Our expertise spans first-time buyer assistance, portfolio management, and specialist mortgage cases, supported by continuous professional development and industry qualifications.Recognised for our ethical approach and dedication to client satisfaction, we maintain strong partnerships with lenders and registered providers to deliver efficient, reliable service. Our focus on affordability assessments and financial education empowers clients to make informed decisions, while our flexible working practices reflect our commitment to sustainability and modern service delivery.
Services
Mortgage Advice
Shared Ownership
Remortgaging
First-Time Buyer Schemes
Affordability Assessments
Details
- Year established: 2005
Highlights and features
- We specialise in Shared Ownership schemes with 20+ years' industry experience
- Our CeMap-qualified advisors provide transparent, jargon-free mortgage guidance
- We offer nationwide coverage with local market knowledge across England
- We provide 24/7 access to mortgage resources and support materials
- Our fee structure is fully transparent with no hidden charges
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Exceptional support
Transparent process
Expert guidance
Stress-free experience
Timely communication
Services
Mortgage Advice
Our mortgage advisory service provides comprehensive guidance for first-time buyers and experienced homeowners. We assess individual financial situations to recommend suitable mortgage products, considering interest rates, repayment terms, and eligibility criteria. Our FCA-regulated advisors help clients navigate the application process while explaining all associated costs and commitments.
Shared Ownership
Specialist Shared Ownership advice helps clients purchase property with smaller deposits. We explain scheme requirements, calculate affordability, and guide applicants through purchasing shares in properties. Our expertise covers eligibility criteria, rent calculations, and staircasing processes for increasing property ownership over time.
Remortgaging
Our remortgaging service identifies opportunities to reduce monthly payments or access equity. We compare current deals against market offerings, considering exit fees and new terms. Advisors help clients understand potential savings and the practical steps involved in switching mortgage providers.
Affordability Assessments
Instant online affordability calculator provides preliminary guidance on borrowing capacity. We consider income, existing commitments, and deposit amounts to estimate potential mortgage amounts. This service helps clients understand realistic price ranges before beginning property searches.
First-Time Buyer Schemes
Guidance covering all first-time buyer assistance programmes including Help to Buy and Right to Buy. We explain eligibility requirements, application processes, and financial implications. Our advisors help clients navigate government schemes while preparing for the transition to homeownership.
People
Kelly McCabe
Managing Director
With over 20 years in financial services, Kelly founded TMP in 2005. He combines strategic leadership with mortgage industry expertise, maintaining focus on customer service while appearing on reality TV shows during rare downtime.
Grace McDougall
Head of Partnerships
Joining TMP straight from school, Grace has developed extensive industry knowledge. She manages partnerships with registered providers while coordinating cricket youth teams and indulging her passion for fashion accessories.
Arlene Upton
Operations Manager
With 30+ years in financial services, Arlene specialises in affordable housing. A bidialectal Glaswegian now in southeast England, she combines mortgage expertise with a background in musical theatre performance.
Louise Jacob
Mortgage Consultant
Specialising in Shared Ownership since 2014, Louise helps transform houses into homes. She brings property market expertise from previous roles in freehold management and asset management for corporate clients.
Mitchell Cunniffe
Mortgage Consultant
Based in Cornwall, Mitchell provides mortgage solutions while balancing family life with coastal activities. His sports enthusiasm complements his financial advisory work, serving clients nationwide.
Questions
What mortgage schemes do you support?
We specialise in Shared Ownership, Help to Buy, First Homes, and Right to Buy schemes, providing expert guidance for all government-backed homeownership programmes.
How much are your advisory fees?
Our fees are up to 1% of the loan amount, with a typical charge of £500. We provide full cost transparency before starting any advisory work.
Do you offer online mortgage tools?
Yes, our Instant Affordability Calculator helps estimate borrowing capacity, with options to adjust service charge and rent assumptions for accurate assessments.
Can you help with complex cases?
Our experienced team specialises in resolving complex mortgage cases, including non-standard income arrangements and specialist lending requirements.
What areas do you cover?
We provide nationwide mortgage advice across England and Wales, with particular expertise in Shared Ownership schemes and affordable housing.
Are you FCA regulated?
Yes, we operate as an appointed representative of FCA-authorised Mortgage Advice Bureau, ensuring compliance with financial services regulations.
