Independent Advice You Can Trust

I started TMC Mortgage Associates because I kept seeing the same thing: smart, financially capable people being turned away by high street lenders simply because their situation didn't fit the algorithm. A company director drawing dividends. A landlord with six properties. A British expat living in Dubai wanting to buy back home. All perfectly creditworthy — just not in a way that a bank's system could understand.

I'm CeMAP-qualified and FCA-regulated, and I've spent years working specifically in the complex end of the market. That focus matters. I know which lenders will look at a multi-source income sensibly, which ones are genuinely comfortable with large portfolios, and which are set up to handle expat applications properly. That knowledge only comes from doing this kind of work day in, day out.

Most of my clients come back when they need to remortgage, and most of my new clients arrive through a recommendation. I think that's the most honest measure of whether this is working. I charge a fee for complex cases — that's what keeps the advice genuinely independent and focused entirely on what's right for you.

Whether you're a company director, a landlord with a growing portfolio, or a British national living overseas — if you've been told it's complicated, that's usually where I come in.