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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.

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Meet the team

Gary Cottier-Whitehead


Andrea Cottier-Whitehead


Simon Bedford

Sales Manager

Georgie Chalk

Team Leader of Mortgage & Insurance Admin

Andy Pollard

Senior Mortgage Consultant

Charlotte Caygill

Senior Mortgage Consultant

Lewis Caygill

Senior Mortgage Consultant

Natasha Beattie

Mortgage Consultant

Louise Barrington

Mortgage & Insurance Administrator

Michael Caldwell

Mortgage Consultant

Tanjima Haque

Graduate Systems Support Coordinator

Sommer White

Mortgage Administrator

Mokrom Ali

Mortgage Administrator

Michael Longley

Mortgage Consultant

Liam Walton

Senior Insurance Consultant

Matthew Byrne

Senior Insurance Consultant

For expert mortgage advice call 0800 32 88 680

0800 32 88 680 Email Us