About us

Meet the team

Here at ABC Mortgages, we are eager to remove the complexity of financial products and terminology for clients. Our mission is to assist you through the entire buying process eradicating and assisting with hurdles that may occur… we make the process as easy as ABC

Adam Bailey

Mortgage Adviser

About Adam

With over 19 years of experience of working in the finance industry, Adam has a vast amount of knowledge of the market and has a real passion for delivering the right outcome for all of his clients. Adam’s role is to save clients’ money by helping them select the best mortgage product, while ensuring that they, and their families, are adequately protected. As he says ‘There is no better feeling than helping clients secure their ‘dream home.’ In the time that he is not helping clients’ Adam loves nothing more than spending time with his two young sons, you can usually find him on the touchline on a Sunday morning cheering on his sons football team. His world revolves around his family, and his sons are what keep him motivated on a daily basis.

adam@abc-mortgages.co.uk
07921146504

Matt Lloyd

Mortgage Adviser

About Matt

Matt joins ABC Mortgages having worked in finance since leaving school. He has worked for various Banks & Estate agents so brings a lot of knowledge and experience to ABC Mortgages. His number one aim is customer satisfaction, he prides himself on providing great customer service and delivering the right outcomes for his clients. Specialising in Mortgage and Protection Advice he will give you all the advice you need in an easy broken-down, step by step process’ taking the hassle out of your hands. Matt will be with you on every step of your journey. In his spare time, you will either find Matt pursuing his passion for running or playing football. Ultimately Matt enjoys spending time with his family making everlasting memories, which in turn he will be able to provide you with making memories in your future home.

matt@abc-mortgages.co.uk
07814379115

Emma Clifford

Mortgage Adviser

About Emma

Emma joins ABC Mortgages following 20 years experience in the financial industry. Emma has an exceptional knowledge of the market and a real passion for helping her clients achieve their property goals. Emma is an experienced mortgage and protection advisor and will always strive to help her clients with all aspects of their mortgage journey’s. Emma is down to earth and a real people person which enables her to provide an easy understandable process for each of her clients. Emma enjoys spending her free time with her family and is certainly kept busy with her 3 sons.

emma@abc-mortgages.co.uk
07493027392

Mel Low

Protection Adviser

About Mel

Mel has joined ABC Mortgages following over 35 years in Banking and Finance. She started her career in Life Assurance Underwriting, moving to Pensions Administration and then Financial Advice. After taking time out to raise her family, she made the move into Banking, starting as a part time cashier, ending in senior management with various roles in between. This included advising in Banking, Lending, Saving and Protection as well as reviewing existing mortgage needs while protecting her client’s mortgage and lifestyle at the same time. A role she truly loved. This was her motivation to return to this Advising.
Mel believes in putting clients first, making sure she provides the best possible advice, information and service.
Mel has 2 grown-up children and 2 grandchildren. Watching them start their own families and buy their own first homes has made her even more passionate about helping clients secure their family’s future.
They certainly keep her busy, but her grandchildren are her motivation and inspiration every day.
mel@abc-mortgages.co.uk
07595347546

Amy Selvage

Administrator

About Amy

Amy joins ABC Mortgages with over 18 years of experience in the financial industry, she’s got all the skills to help our clients every step of the way! From finding you the perfect mortgage to guiding you through the process, Amy’s all about making your journey smooth and stress-free. When she’s not busy going the extra mile for clients, Amy’s all about making memories with her two amazing sons—watching them grow into the young men they’re becoming

Important Information

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

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.

The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

“I would really recommend ABC mortgages. Adam has been a fantastic help and has provided us with lots of information to complete our mortgage. He is reliable and trustworthy, also being there every time we need questions answering, with quick responses too. His friendly and professional nature makes you feel comfortable and at ease, in what can easily be a stressful time. 100% recommend. Many thanks for your help Adam!!”

“I was introduced to Matt at ABC Mortgages from a friend, and have been blown away by the support and level of service the team offer. Quick to respond to all my queries and any questions I had. I was kept up to date throughout the whole process and offered all the advice I needed. I would not only use their service again, but would also recommend ABC Mortgages to anyone without any hesitation.”

“I cannot recommend Adam from ABC mortgages highly enough! He responds to queries promptly, he is honest with his advice and works so hard to get you the best deal. He clearly explains the whole process and is so knowledgable. He answered all my questions, no matter how silly they were! And anything I didn’t understand, he broke down clearly for me so I could understand. This is our third time dealing with Adam and there is no one else we would go to.. if you are thinking of using ABC Mortgages do it! Thank you Adam for making this process so easy and stress free!”

“We went to ABC mortgages after hearing a great recommendation. As First time buyers we was pretty green about the whole process, buy Matt made it very simple, gave great advice and knew how to answer every question we had. I was shocked at the speed of the turn around from ABC Mortgages and they dealt with us a in a professional but personal manner. Would highly recommend using them.”

    
 
 
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   Michele Bergin 
 
 
 
 Trustindex verifies that the original source of the review is Google. Adam was absolutely brilliant from start to finish. He made the whole process so easy, sorted everything out quickly and was always at the end of the phone whenever we had any questions. Fantastic service and we wouldn’t hesitate to recommend him. Thank you, Adam!
  
 
      Posted on Google  
   
   Ayla Hunnisett 
 
 
 
 Trustindex verifies that the original source of the review is Google. Emma has been absolutely amazing throughout the whole process of buying my first home! I honestly didn’t have a clue where to start, but she explained everything so clearly and was always my first port of call whenever I had a question or worry.

She was so understanding of my circumstances and took away so much of my anxiety. Emma is lovely, friendly, approachable and genuinely amazing at what she does. I wouldn’t use anyone else and couldn’t recommend her enough! ❤️
  
 
      Posted on Google  
   
   Kieron Hughes 
 
 
 
 Trustindex verifies that the original source of the review is Google. We are returning customers and this is the third time Adam has helped secure and sort our mortgage. Service is excellent and he is a very pleasant and helpful person. Would highly recommend ABC mortgages.
  
 
      Posted on Google  
   
   Rick Hudson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Emma was excellent during our remortgage.   Provided great advice and took time to understand our personal circumstances and what would work best for us.  Emma supported us from start to finish making the whole process easier and less stressful.   Would highly recommend.
  
 
      Posted on Google  
   
   ellie stratford 
 
 
 
 Trustindex verifies that the original source of the review is Google. Adam helped us so much with buying our first home, and was so friendly and helpful
He made the whole journey straightforward and explained everything very well
Couldn’t recommend enough!
Thank you Adam
  
 
      Posted on Google  
   
   Alannah Harkup 
 
 
 
 Trustindex verifies that the original source of the review is Google. We honestly couldn’t recommend our mortgage broker Emma enough! From start to finish & every step in between she has been absolutely amazing. So friendly, approachable and down to earth, and always made us feel comfortable and supported throughout the whole process.

We’d been told buying a house can be such a stressful experience, but Emma made everything feel so much easier. She was always there to answer our questions, explain things clearly and go above and beyond to help us.

We’re so grateful for everything she has done for us and wouldn’t hesitate to use her again. In fact, we wouldn’t use anyone else! We would 100% recommend to anyone looking for a mortgage broker. Thank you so much for all your help!
  
 
      Posted on Google  
   
   Jeni 
 
 
 
 Trustindex verifies that the original source of the review is Google. I cannot speak highly enough of the service I got from Emma, she went above and beyond during the whole process. Emma helped me understand the process and and made me feel at ease. I’m so grateful for everything she did for me and would recommend her to everyone. Honestly absolutely outstanding service.
  
 
      Posted on Google  
   
   Elise Thompson 
 
 
 
 Trustindex verifies that the original source of the review is Google. We honestly couldn’t recommend Matt enough! From start to finish, he was absolutely brilliant and made the whole mortgage process feel so much easier for us.

Being first-time buyers, and with our circumstances not being completely straightforward, we were quite nervous about the whole process. Matt took the time to understand our situation and kept going until he found the right mortgage deal for us. He was always helpful, reassuring and happy to answer any questions we had, which made what could have been a really stressful process so much easier.

We’re so grateful for all of Matt’s help and would recommend him to anyone looking for a mortgage broker. Thank you so much, Matt! 😊
  
 
      Posted on Google  
   
   akinyemi joshua 
 
 
 
 Trustindex verifies that the original source of the review is Google. We would highly recommend Emma as a mortgage advisor. From the very beginning, she was incredibly helpful, knowledgeable, and professional throughout the entire mortgage process.

Emma took the time to explain every step clearly, answered all of our questions promptly, and provided valuable advice that helped make what could have been a stressful experience feel straightforward and manageable. Her communication was excellent, and she was always available to provide updates and guidance whenever needed.

Thanks to Emma’s dedication, expertise, and hard work, we were able to secure our mortgage smoothly and with confidence. She genuinely cared about achieving the best outcome for us and went above and beyond to ensure everything progressed efficiently.

We are extremely grateful for her support and would not hesitate to recommend Emma to anyone looking for a reliable, knowledgeable, and supportive mortgage advisor.
  
 
      Posted on Google  
   
   Sam Cannon 
 
 
 
 Trustindex verifies that the original source of the review is Google. Emma was absolutely outstanding from start to finish. She went above and beyond to make what could have been a stressful process feel straightforward and manageable. Her knowledge, professionalism, and attention to detail were exceptional, and she was always available to answer questions, no matter how small.
What really set Emma apart was her genuine care and commitment. She kept me informed every step of the way, explained everything clearly, and worked tirelessly to secure the best outcome. Nothing ever felt like too much trouble, and her dedication gave me complete confidence throughout the entire mortgage process.
I can't recommend Emma highly enough. If you're looking for a mortgage advisor who is knowledgeable, responsive, and truly goes the extra mile for her clients, Emma is the one to choose. Thank you for your incredible support—I couldn't have done it without you!

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Legal

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

The Financial Conduct Authority does not regulate some forms of Buy to Lets.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we
estimate it will be £395.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

ABC Mortgages Ltd trading as ABC Mortgages are an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

ABC Mortgages Ltd are registered in England and Wales. Registered No: 13184891. Registered Office: Suite 103, St Georges Business Park, Castle Road,
Sittingbourne, Kent, England, ME10 3TB.