About HHH Mortgage
No hidden fees.
Personal relationship.
Expert mortgage brokers.
Flexible appointments.
Meet the Team
Throughout the years, each member of our team at HHH Mortgages has been an active member of the local community.
With over four decades of experience and a genuine passion for helping clients achieve their goals, HHH Mortgages has evolved from Mark’s passion and expertise to encompass a wide range of advisors able to discuss mortgages, later life lending, and insurance products.
We’re happy to say that despite growing year on year with new brokers and an admin team, our focus is still on providing person-centred mortgage advice and service. Every successful mortgage completion brings a sense of fulfilment to each and every one of us, and each client is valued as a unique individual.
All of us here at HHH Mortgages looks forward to meeting new clients and building lasting relationships based on trust and expertise.
Mark joined C&G in 1982 and managed branches throughout
the West Country. He learnt all about the mortgage world before leaving in 2005
to become Financial Services Director with a Wiltshire based estate agency
group.
Despite the 2008 credit crunch where lenders and customers
were in short supply, Mark’s expertise meant he formed a partnership with 2
chartered financial planners and built a successful business with a great
reputation.
In 2015, however, Mark decided to go it alone and work
solely in the mortgage field. House and Holiday Home Mortgages was born, and
this has been the most successful period of Mark’s business life so far.
Having built a strong foundation and reputation in the
sector, Mark has since moved into the role of Business Development Director,
where he focuses on strengthening relationships, identifying opportunities for
growth, and ensuring customers continue to receive expert advice and support.
Mark has an avid interest in the mortgage world and is
always keen to read about industry trends, providing his expert knowledge and
opinion. Mark is a people person; he loves to meet new customers and listen to
their story, before seeking ways to help.
When he’s not working, Mark spends time with his wife Claire
trying out good restaurants, enjoying the garden, trips to the theatre and
weekends away. He loves all sports and plays tennis and golf (badly!). He
regularly watches his beloved Swindon Town as well as cricket matches and horse
racing.
Joe’s early career has seen him work in a more corporate background, successfully fulfilling marketing roles in London.
In 2017, Joe took the step to join the family business and is now working closely with Mark to grow and build House and Holiday Home Mortgages in line with some challenging targets.
Together, their goal is to help as many people as possible to meet their mortgage needs and secure the best deal for them. With a specific focus on holiday let mortgages, they are determined to remove the stress and hassle from the mortgage process.
In his spare time, Joe loves anything sport with a particular affiliation to Swindon Town, Gloucester Rugby and Gloucestershire/Hampshire Cricket. And if it’s not sport, Joe likes to spend his time socialising with friends and travelling to new places all over the globe.
Sally began her banking career with Lloyds in 1987 and has worked in financial services ever since. She has been advising on mortgages since 1992, achieved her CeMAP qualification in 2012, and has worked as an independent Mortgage Adviser since 2019.
Having lived in Gloucestershire since 1977 and in Cirencester since 1988, Sally combines extensive industry experience with strong local knowledge. She has built lasting relationships with clients across the Cotswolds, supporting them as their circumstances change and their plans evolve.
Passionate about helping people take control of their finances, Sally is committed to turning home-owning ambitions into reality. As an independent adviser, she can access a comprehensive range of lenders to recommend solutions tailored to each client’s needs. Whether you are a first-time buyer, moving home or expanding a property portfolio, she works hard to find the right mortgage for your situation.
Sally understands that buying a home can feel daunting, so she focuses on clear, straightforward communication and keeps everyone informed throughout the process. Known for her honest and practical advice, she helps clients make confident, well-informed decisions.
Outside of work, she enjoys spending time with family, walking with friends, has a keen interest in ancient history and loves visiting Cornwall.
Janet has an extensive background in financial services and has been a mortgage advisor for some of the most well-known lenders in the country, most recently Nationwide.
Janet thrives on the detail and loves to really understand her customers circumstances in order to ensure she’s giving the very best advice possible.
She’s also hugely passionate about protection insurances, like life insurance, income protection and critical illness cover. Janet will educate her clients on the options open to them and help advise on suitable levels of cover to put in place to ensure that you’re protected financially.
Her bubbly personality and friendly nature make her a joy to deal with. She’s well-known in the Swindon area where she lives with her partner. She’s always up for a laugh and aims to make the serious world of mortgages as fun as possible!
Ben’s interest in mortgages started in 2017 when he completed his qualifications and made a career change to work for TSB. Now with over 2 years success working at a mortgage brokers and successfully developing their operations, he is now bringing his experience to House and Holiday Home Mortgages. By aiming to deliver a professional and efficient service, Ben will handle our growing pipeline of applications and is focused on delivering a positive outcome to all our clients. You will often find Ben lurking in the depths of an excel data model, or pondering a far-flung language, and after he has spent quality time with his wife and children, he does enjoy putting on his running shoes and hitting the trails.
Lauren has built a great bank of knowledge and expertise having worked in the financial services industry for the last 10 years. She started her working life in banking before progressing her career into mortgage and protection administration.
Lauren prides herself on delivering exceptional customer service time and time again and loves being able to help people through the mortgage and protection process. She is always on hand to provide support and guidance, even if it’s simply to reassure a customer by chatting something through.
Lauren lives in Gloucester with her husband and 1-year old son, so it’s fair to say that her hands are full both in and out of work. In any spare time she has, Lauren is an avid musicals fan, a self-confessed bookworm and loves a good sing song!
Caroline’s journey in Financial Services began in 1994, when she joined C&G in Swindon. She stayed within C&G for over 10 years, moving forward to Assistant Branch Manager and completing CEMAP in 2021 to become a fully qualified mortgage adviser. After leaving C&G she worked for a brief time as a mortgage and protection adviser for a local estate agency. In 2006 she took the brave step of becoming a self-employed adviser and enjoyed building a loyal bank of clients by putting the well-being of her customers at the very heart of how to do business, by establishing clients’ needs and designing a solution.
Caroline enjoys spending quality time with her husband, two children and dog Milo! At weekends you will often find her at a football match, watching her son play football or very occasionally at the Emirates stadium, watching her beloved Arsenal.
Beth joined the team in early 2025 and brings a strong blend of property and finance experience to House and Holiday Home Mortgages. She began her career in the property sector in 2012, working in estate agency before moving into residential conveyancing, which gave her a detailed understanding of the buying and selling process from multiple angles.
Beth later transitioned into mortgages and protection and quickly found she enjoyed helping people understand their options and feel confident in the decisions they make. Whether supporting First Time Buyers, home movers, Buy to Let investors or clients looking to remortgage, Beth takes pride in offering a friendly, professional service with clear communication from start to finish.
Outside of work, Beth enjoys being active and spending time outdoors, particularly hiking. She also keeps herself busy in the gym and enjoys the challenge of strength training.
Ricia Gibbs is the face behind Wiltshire Mortgages, working in partnership with House and Holiday Home Mortgages as part of the wider HHH Mortgages family. Wiltshire Mortgages operates under the HHH Mortgages umbrella, meaning clients benefit from a personal, local service with the backing, knowledge and support of an experienced brokerage.
Ricia is passionate about providing straightforward, tailored mortgage advice and supporting clients through what can often feel like a complex and stressful process. She focuses on building long-term relationships and takes the time to understand each customer’s circumstances, priorities and plans before recommending the most suitable route forward.
With the additional resources and support available through HHH Mortgages, Ricia is able to combine one-to-one service with the reassurance of a wider team. The result is a reliable, approachable mortgage service with the same values and commitment to customer care that HHH Mortgages is known for.
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