Tom Roper - Mortgage and Protection Adviser

Tom Roper - Mortgage and Protection Adviser Providing expert Mortgage and Protection advice at a time and place that suits you. Meetings via video, telephone or face to face. Rated 5* on google reviews.

I have been helping people fulfil their Mortgage dreams for the last 7 years. I live with my partner Jen and my two wonderful stepchildren Levi and Luca who are 8 and 10. I love spending time with my family, going for walks and going camping (weather permitting). We have a wonderful dog called Talulah (you will see many posts of her on this page so I apologise in advance). As for me I love footbal

l, walks whether that be forest walk or heading to the beach and I am a registered football referee for my sins. I am the youngest of 5 children and was brought up in and around Newquay (although I cant surf even if I tried!). I have always cared about being hardworking and doing what's right for others. I have worked since I was 15 in various different jobs and joined Lloyds Banking group when I was 18 and worked my way up through 3 different roles to eventually become a Mortgage and Protection Advisor. In the various customer facing roles I have always wanted to do what's right and really be personable and approachable to everyone. I look forward to helping many others with the Mortgage Advice Bureau.

With the school holidays almost over, and being back at my laptop after some time away, it got me thinking……You typicall...
02/09/2026

With the school holidays almost over, and being back at my laptop after some time away, it got me thinking……

You typically only get a certain number of summers to enjoy as a family. That’s before we, as parents, typically become too uncool to be around! 😂

That’s potentially only 18 Christmases, Easters, summer holidays, etc.

It’s therefore so important to make the most of this time and the opportunities it brings.

The same goes for your mortgage!

On average, over the lifetime of having a mortgage, you’ll typically have to review and renew your mortgage between 4–12 times.

So, it’s important to make the most of this time and opportunity too……

There will be times when rates are high and times when rates are low, but the important thing is knowing what your options are — and that’s where I come in.

I can look at what’s available from some of the best-rated lenders on the market and compare it with what you can get from your current lender. That way, you know whether it’s best to stay put or switch elsewhere.

Remember, you can typically look at your options up to 6 months in advance with other lenders and up to 4 months in advance with your current lender.

If rates fall during that time, I can amend the rate to the new lower rate. If rates increase, your offered rate is protected.

Tel: 01579 381084
Mobile: 07925 096320
[email protected]

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

Time flies, as I’ve realised looking back through old photos and videos.

This is a picture from the summer of 2022, when we stayed at St Winnow, near Lostwithiel, camping.

01/09/2026

When we go away it’s always nice to see Talulah is having a good time still.

Thank you Glendale Boarding Kennels for always taking such good care of her and posting daily action shots. Here are some of my favourites from her recent stay

31/08/2026

Scotland - amazing place and very much worth a visit!

Morning Scotland!
25/08/2026

Morning Scotland!

Went for a circular walk down Helford yesterday. Such a beautiful place, the pictures don’t do it justice!
22/08/2026

Went for a circular walk down Helford yesterday. Such a beautiful place, the pictures don’t do it justice!

“Tom Roper was totally committed to finding the right deal for us and wouldn't give up until he had secured an offer for...
20/08/2026

“Tom Roper was totally committed to finding the right deal for us and wouldn't give up until he had secured an offer for us. He was friendly and efficient without being at all patronising and made sure that we understood 100% each stage of the process from the outset. He liaised with solicitors to speed the process along and make sure that they too 100% understood the complexities of our particular situation.

I would recommend him 100% to anyone seeking a mortgage or mortgage advice. We certainly could not have achieved what he had without his help.”

Reviews like this are what makes the job worthwhile!

Tel: 01579 381084
Mobile: 07925 096320
[email protected]

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

Sundays are always good when it involves a walk. After a meeting this morning I headed off to Respryn for a summer strol...
16/08/2026

Sundays are always good when it involves a walk.

After a meeting this morning I headed off to Respryn for a summer stroll.

Things I tell my First-Time Buyer clients……….• Make sure your monthly payment is affordable all year round. Summer, scho...
14/08/2026

Things I tell my First-Time Buyer clients……….

• Make sure your monthly payment is affordable all year round. Summer, school holidays and Christmas can be expensive times of the year, but your regular monthly mortgage payment will still be due every month.

• When thinking about how much you want your mortgage payments to be, make sure you factor in other costs that you may not have had to pay before. These could include buildings insurance and, if you have been living with family, everyday bills such as council tax, electricity, water, etc.

• Buying a property can be an emotional rollercoaster! At the start, you are trying to gather all the documents and information required by your conveyancer, mortgage lender and estate agent. Then, things can go quiet while searches are being carried out and enquiries are raised. When you get closer to exchanging contracts and completing, there are then things to sort out, such as signing paperwork, changing your address and updating bills.

• Buildings insurance is generally a requirement of having a mortgage, although other types of insurance, such as life insurance and critical illness cover, are your choice. I will discuss the different options with each client, explain how they could protect themselves and highlight the risks of having no cover, as part of my responsibility as a mortgage and protection adviser.

• Never be afraid to contact me or your other advisers if you need help or support throughout the process. Some of the clients I help have said they didn't want to bother me or their conveyancer with something they wanted to check or find out, as they thought we would be too busy. Please don't feel that way — that's what we're here for!

• If you're unsure about anything, make sure you speak to the people who support you best, such as family and friends. I can help and guide you as much as possible, but sometimes having a conversation with someone close to you can help when making decisions about your mortgage and protection.

These are just some of the things I discuss with my First-Time Buyer clients. I'll do everything I can to help and support you throughout your mortgage journey — and hopefully for many years to come!

Tel: 01579 381084
Mobile: 07925 096320
[email protected]

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

12/08/2026

Hope you enjoyed the partial eclipse.

Wasn’t sure what to expect after the last one in 1999 (unfortunately I am old enough to remember that) but this is 20 minutes worth of filming.

Hopefully there will be no more posts about getting solar eclipse glasses anymore…..😂🙈

11/08/2026

These two properly put me to shame when it comes to golf. 😂🙈⛳️🏌️

Address

Liskeard

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