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Creating Town & Country Mortgage Services
Town & Country Mortgage Services Ltd is a family run business founded in 2002.
Our co-director Gary first started out in the industry back in 1991, since then Gary has gone onto work as a mortgage consultant for household names such as Halifax and Abbey National and then as senior mortgage broker for large
independent brokerage.
It was in 2002, when Gary was working as a senior advisor for another firm, he decided to take the plunge and co-found Town & Country Mortgage Services. A new mortgage advisory firm that offered unparalleled expert advice and customer
service at the same time.
Our other co-director Andrea also has a wealth of experience in the mortgage and protection industry as a multi award-winning mortgage and protection specialist and became a co-director of Town & Country Mortgage Services in 2011.
Andrea and Gary share a joint-vision of not only offering great customer service but making sure that all customers have the benefit of a fully protected mortgage, with the security of protecting themselves and their families and giving complete peace of mind when organising one of the most important things in their lives.
Town & Country Mortgage Services is now a well-established, national award-winning mortgage and protection specialist with more than 20-years combined experience across both mortgage advice and protection with a growing team split across offices in Ashford and Luton.
Meet the team

Gary Cottier-Whitehead
Director

Andrea Cottier-Whitehead
Director

Josh Holby
Senior Insurance Consultant

Simon Bedford
Sales Manager

Chantal Arpino
Senior Mortgage Consultant

Ben Matheson
Senior Mortgage Consultant

Andy Pollard
Senior Mortgage Consultant

Lewis Caygill
Senior Mortgage Consultant

Lizzie Vafeas
Senior Mortgage Consultant

Charlotte Caygill
Senior Mortgage Consultant

Aaron Ward
Insurance Consultant

Georgie Chalk
Team Leader of Mortgage & Insurance Admin

Dionne Persaud
Mortgage Administrator

Sommer White
Mortgage Administrator

Tanjima Haque
Graduate Systems Support Coordinator

Louise Barrington
Mortgage & Insurance Administrator

Sophie Lawson
Mortgage Consultant
