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.

Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.

Alan Lyne CeMAP

Managing Director and Principal Mortgage Adviser

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 Kay-Jones CeMAP / CeRER

Director and Principal Mortgage Adviser

Steve looks after our Lifetime Mortgage (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 and Principal Mortgage Adviser

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 a wide range of financial services including pensions, investments, mortgages and insurances.

Marc Bennett BA Hons / CeMAP / CeRER

Mortgage Specialist

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.

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.

Sally Lyne

Senior Paraplanner

Sally has been in the industry for many years, working within both the mortgage and wealth planning sectors and she brings with her much valued experience.


Poppy joined the team in 2017 and apart from looking cute, her main job is to keep the staff calm and relaxed which she does with ease.