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 Stallard

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 is the most successful period of Mark’s business life so far.

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 Stallard

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.

Craig Bryce

Craig has over 15 years’ experience in financial services having worked with some of the bigger firms in the industry including Countrywide and Royal London. Craig brings that experience to House & Holiday Home Mortgages. When it comes to looking after his clients, Craig wants to make sure everything is done at a time that’s convenient to them and they receive specialist, personalised advice and service.

With a strong background in insurance, Craig is keen to educate customers around the insurance options open to then, ensuring they are making informed choices for themselves and their families. Craig’s experience ensures the process as simple and stress-free as possible!

Outside of work, Craig loves spending time with his wife, Lauren, and their young family, particularly taking family drives down the coast. Craig is a massive Glasgow Rangers fan, but don’t hold that against him!

Sally Hilliker

Sally joined Lloyds Bank in 1987 and built a career dedicated to helping customers find the best solutions for their financial needs. She nurtured long lasting relationships with customers across the Cotswolds and joined TSB in 2013 to concentrate on providing Mortgage Advice.

Living in Cirencester and being an active member of the local community is important to her and in the last 20 years she has coached students in local schools, colleges and sports clubs to navigate their first bank accounts and understand the principles of banking, finance and finance fraud.

Sally is dedicated to providing excellent customer service, believing in straightforward, open and honest communication. In her time at TSB she has expanded her knowledge of the mortgage market and helped many customers make their dreams of a new home, come true. Sally has a true passion for helping her customers and provides them with bespoke advice on the best mortgage for them by providing practical, straightforward advice and support as they navigate the process of applying for, and taking on, their new mortgage from start to finish.

Sally lives in Cirencester with her husband and two sons, who are at university and sixth form college. She enjoys walking with friends, is interested in ancient history and loves Cornwall. Having a sporty son has taught her to appreciate cricket and rugby, too!

Janet Hardy

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 Walker

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 Poole

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 paige

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.


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