About Us

We will find the best mortgage for you, with an exceptional level of service and expert advice across a comprehensive range of mortgages and lenders.

Gary And Amanda

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. From there he then worked as a senior mortgage broker for large independent brokerage.


In 2002, Gary was working as a senior advisor for another firm, and 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.

Mortgage Calculator

Borrowing Calculators

Town & Country Mortgage Services offer online calculators to estimate your borrowing capacity.

mortgage for detached house

First Time Buyer Guide

Learn about each of the steps involved in the purchasing process. What is a first time buyer and what sort of fees can you expect to pay when applying for a mortgage.

Landlord Mortgages

Compare mortgage rates

Explore the best mortgage product for you and compare what different lenders have an offer.

How does Town & Country Mortgage Services work?

At Town & Country Mortgage Services, we streamline the home-buying experience with our expert guidance, ensuring your journey is in professional hands.

As an award-winning, FCA-registered broker, our free mortgage and protection advice is designed to cater to both first-time buyers and experienced investors. Trust in Town & Country Mortgage Services for a comprehensive and hassle-free home-buying experience.

Michael Roberts
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I am more than happy to recommend Ben and his team to anyone seeking a mortgage, particularly first time buyers, as I felt Ben’s approach was not only consultative but also understanding of the stresses’ surrounding buying a first home.
Elisabeth O'Shea
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Lizzie was fantastic from start to finish!! So Professional, really helpful and super friendly!! She is knowledgable, explained everything in detail and offered me lots of options. Made a daunting task simple and straight, forward taking care of everything behind the scenes.
Sam Ali
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We would genuinely recommend Town & Country to anyone, the care, understanding and bespoke and tailored customer experience has been second to none. It's great to have an end-to-end trusted relationship and Town & Country is our trusted recommendation to anyone.
Michael Roberts
Read More
I am more than happy to recommend Ben and his team to anyone seeking a mortgage, particularly first time buyers, as I felt Ben’s approach was not only consultative but also understanding of the stresses’ surrounding buying a first home.
Elisabeth O'Shea
Read More
Lizzie was fantastic from start to finish!! So Professional, really helpful and super friendly!! She is knowledgable, explained everything in detail and offered me lots of options. Made a daunting task simple and straight, forward taking care of everything behind the scenes.
Sam Ali
Read More
We would genuinely recommend Town & Country to anyone, the care, understanding and bespoke and tailored customer experience has been second to none. It's great to have an end-to-end trusted relationship and Town & Country is our trusted recommendation to anyone.

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We’ll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice. Get in touch today for a free initial consultation.

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