Welcome to the website of our unique company where exemplary personal service, based on many years of experience, is our minimum standard. There are thousands of mortgage brokers in the UK offering their services to homebuyers - why are we different? Simon has been at the forefront of the development of mortgage broking as a "profession" for approaching 40 years.
Simon has been a well known mortgage market commentator in the written, broadcast and electronic media for well over 35 years and is a familiar face and voice to the mortgage buying public. Simon's working style and delivery of comment to journalist and clients has always been based on a WYSIWYG (What you see is what you get) approach - straight talking advice delivered rapidly, based on his experience of arranging thousands of mortgages over many years in different segments of the economic cycle.
This refreshing honesty has appealed to clients and journalists for years, as has the entire philosophy of Simon and TMM, which is to under-promise and over-deliver; the complete reverse of most people's experience of financial advice.
Simon has been a well known mortgage market commentator in the written, broadcast and electronic media for well over 35 years and is a familiar face and voice to the mortgage buying public. Simon's working style and delivery of comment to journalist and clients has always been based on a WYSIWYG (What you see is what you get) approach - straight talking advice delivered rapidly, based on his experience of arranging thousands of mortgages over many years in different segments of the economic cycle.
This refreshing honesty has appealed to clients and journalists for years, as has the entire philosophy of Simon and TMM, which is to under-promise and over-deliver; the complete reverse of most people's experience of financial advice.
Services
Mortgage Management is the service all our team aim to provide using Simon's approach to advice and commitment to long term relationships (the starting team of advisers at TMM have worked with Simon for an average of 16 years previously at Chase De Vere).
We are interested not just in today's mortgage and protection solutions for our clients but we expect to be in touch on a regular basis reviewing the market and to be ready at the end of each mortgage period to provide a new solution.
We have learned over the years that every life event can have an impact on the advice that you may need in connection with your mortgage - Marriage, Child birth, Job Change, Divorce, Children leaving home, Death of a partner etc - and we aim to always be available to offer a holistic approach to the appropriate advice we offer you at these times based on our collective vast experience.
We are interested not just in today's mortgage and protection solutions for our clients but we expect to be in touch on a regular basis reviewing the market and to be ready at the end of each mortgage period to provide a new solution.
We have learned over the years that every life event can have an impact on the advice that you may need in connection with your mortgage - Marriage, Child birth, Job Change, Divorce, Children leaving home, Death of a partner etc - and we aim to always be available to offer a holistic approach to the appropriate advice we offer you at these times based on our collective vast experience.
Once he had arranged one mortgage he knew where his future lay (this was during the first 18 months of the Thatcher era and increased home ownership was Government policy from then onwards) - everyone was likely to want to carry on living indoors for the rest of his career and mortgages were unlikely to go out of fashion.
Until the Autumn of 2008 this theory held up well.
Over all the years Simon has remained a very active Mortgage Advisor as well as maintaining his other corporate responsibilities.
Until the Autumn of 2008 this theory held up well.
Over all the years Simon has remained a very active Mortgage Advisor as well as maintaining his other corporate responsibilities.
When you deal with TMM for the first time, unless you have been specifically referred to a member of the team, you will be allocated an Account Manager at random as a result of your phone or email contact with the company.
Alternatively you may read about our highly experienced team below and make your own choice and approach them directly via their email or direct phone lines.
If you are already dealing with us you may want to know a little more about your Account Manager and (assuming you have not met) take a look at a photo of them.
Alternatively you may read about our highly experienced team below and make your own choice and approach them directly via their email or direct phone lines.
If you are already dealing with us you may want to know a little more about your Account Manager and (assuming you have not met) take a look at a photo of them.
It is a sad fact that most people who buy their own home (or investment properties) will need a mortgage to do so.
Our job is to select the most appropriate one for you and to make the arranging of the loan as painless as possible.
The bewildering choice of lenders and schemes makes the monitoring of the market a full time job which we undertake to do constantly on your behalf.
We work on the principle that to have no mortgage is better than having a mortgage and we will aim, over the years, to make that objective a reality for you as soon as possible.
Our job is to select the most appropriate one for you and to make the arranging of the loan as painless as possible.
The bewildering choice of lenders and schemes makes the monitoring of the market a full time job which we undertake to do constantly on your behalf.
We work on the principle that to have no mortgage is better than having a mortgage and we will aim, over the years, to make that objective a reality for you as soon as possible.
When our advisers first started their careers, lenders offered a simple multiple of 2.5 times the higher earner's income and once times the secondary earner's income.
As economic conditions changed and lenders chased market share this multiple rose through 2.75 times up to 3.5 times in the 1990's and on to over 4 times income in the early "noughties" peaking at up to 5 times the principal earner's income or up to 4 times the joint income in some cases by 2007.
Over the years lenders have introduced unpublished rules based on affordability that could take borrowers as high as 6 times their income (now generally withdrawn as lenders are less keen on increasing new borrowing due to the continuing liquidity crisis).
As economic conditions changed and lenders chased market share this multiple rose through 2.75 times up to 3.5 times in the 1990's and on to over 4 times income in the early "noughties" peaking at up to 5 times the principal earner's income or up to 4 times the joint income in some cases by 2007.
Over the years lenders have introduced unpublished rules based on affordability that could take borrowers as high as 6 times their income (now generally withdrawn as lenders are less keen on increasing new borrowing due to the continuing liquidity crisis).
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