Meet The Team

Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority do not regulate some buy to let mortgages.

The value of pension and investments can fall as well as rise. You may get back less than you invested.

Alan Lyne CeMAP

Managing Director | Mortgages

Alan has been in the financial industry for many years and has a wealth of experience. He is the founder of The Mortgage Factory and specialises in mortgages and insurance.

Steve Jones CeMAP / CeRER

Managing Director | Mortgages

Steve looks after our equity release clients. Having been in the industry for many years, the knowledge and experience that Steve brings is integral to The Mortgage Factory.

Sam Hargreaves CeMAP

Director | Mortgages

Sam’s background is in mortgage packaging and joined The Mortgage Factory in 2009. Sam is an expert in residential and buy to let mortgages.

Rob Gill BA(Hons) / DipPFS / CeMAP

Financial Planner

Rob is our Financial Planner and gives advice across the whole range of financial services including pensions, investments, mortgages and insurances.

Marc Bennett BA Hons / CeMAP / CeRER


Marc initially worked at The Mortgage Factory when the company was founded in 2007. After leaving the company for a few years, Marc returned to work in residential Mortgages, Buy-to-Lets and Lifetime Mortgages.

Kevin Williams CeMAP

Mortgage Specialist

Kevin has years of experience in residential, buy to let mortgages and protection. Also a wealth of experience dealing with new build properties working on sites across the North West of England.

Jo Kirkland CeMAP / DipFA CII

Senior Mortgage Paraplanner

Jo has worked in financial services for over 25 years, however it feels more like 50, as until joining us she worked for Banks and Building Societies. Now she has finally come to her senses, and works for us, wishing she had done this years ago.

Karolyn Williams

Mortgage Paraplanner

Karolyn has 25 years’ experience in financial services, working for a high street Building Society! Jo used to work with her and convinced her to come on board at The Mortgage Factory and Karolyn hasn’t looked back since. The truth is we only hired her because she makes the best Lemon Drizzle Cake.

Linda Cousins


Linda is our newest member who has joined us with over 10 years' experience in mortgage and protection administration, working within local IFA's. Linda is often the first point of contact, assisting you through the mortgage process, making it as easy and smooth as possible, liaising with third parties and ensuring your mortgage is completed quickly and efficiently.

Mortgage Advice | Mortgage Advisers | The Mortgage Factory

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