I recently had the pleasure of working with my mortgage advisor Luke and I couldn’t be more satisfied with the experience. From start to finish he was very professional and helped me every step of the... See more
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See what reviewers are saying
Luke looked after my renewal into a new mortgage. I was changing to an Offset and Luke helped me understand exactly what I was looking at. He got me the mortgage I was after and was always available... See more
Coe could not have been more helpful with our, very complicated, house buying process. We went to two brokers prior to him who both delayed things & ultimately couldn’t achieve what we needed but was... See more
Coe has been helping me with my mortgage for the past 6 years. He is extremely professional and explains everything in detail if you ask him questions. One of the best things about getting a broker... See more
Company details
Written by the company
Thrive Mortgage and Protection is a West Yorkshire-based team of expert mortgage and protection advisers, dedicated to making the mortgage process simple, clear, and stress-free. Whether you're a first-time buyer, moving home, downsizing, investing, or dealing with a complex or adverse credit situation, we’re here to help. We take pride in providing friendly, efficient service with a local touch, offering tailored advice that fits your needs and circumstances. At Thrive, our focus is on clear communication, quick turnaround times, and helping our clients feel supported every step of the way.
Contact info
Thrive Mortgage & Protection Ltd, Suite E341 E Mill, Dean Clough, HX3 5AX, Halifax, United Kingdom
- 07399478072
- luke@thrivemandp.co.uk
- thrivemandp.co.uk
I recently had the pleasure of working with Luke Ratcliffe
I recently had the pleasure of working with my mortgage advisor Luke and I couldn’t be more satisfied with the experience. From start to finish he was very professional and helped me every step of the way. Would highly recommend!
Mortgage renewal - change to offset
Luke looked after my renewal into a new mortgage. I was changing to an Offset and Luke helped me understand exactly what I was looking at. He got me the mortgage I was after and was always available for silly questions and to push the suppliers when things slowed down.
Would definitely use Thrive again - made it dead easy and require little thought despite the long process.
Stress-free mortgages
Coe has been helping me with my mortgage for the past 6 years. He is extremely professional and explains everything in detail if you ask him questions. One of the best things about getting a broker is that they can contact banks directly to get information on why an application may be rejected, which Coe passes along to me. They just leave you in the dark otherwise.
Genuinely, Coe goes above and beyond for my mortgage and life insurance, and I don't know what I would have done without him!! The only time I'll stop using him for my mortgage is if he retires! Can't recommend him enough, and thank you for all your help :)
The least stressful transaction
We have used Luke on a couple of occasions now and the service has always been 5 star. He goes above and beyond to give you every option possible and explains everything in such detail you always know where you stand. It’s been the least stressful transaction so we cannot recommend enough! Forever grateful Luke. Thank you
Highly recommend Thrive!
Had a great experience with Luke. Everything was handled professionally, clearly, and efficiently. The process was smooth from start to finish, and I felt well supported throughout. Highly recommended!
Fantastic Experience
We had a fantastic experience with Thrive Mortgage Company. From start to finish, the process was simple, clear, and completely stress-free. Luke, who advised us throughout, was brilliant—knowledgeable, patient, and always happy to answer our questions. He explained everything in a way that was easy to understand and made what could have been a complicated process feel effortless.
We couldn’t be happier with the service and would highly recommend Thrive Mortgage Company to anyone looking for reliable and friendly mortgage advice.
Highly recommended, excellent service
We’ve just completed our purchase and Coe gave us clear guidance, reassurance and a great service throughout the mortgage process. We couldn’t be happier and would recommend Coe to all first time buyers, and will be coming back to Coe for our needs in the future.
Thanks again Coe.
Ed & Alice
I've worked with COE across two…
I've worked with COE across two mortgages over the last four years or so and both experiences were great, seamless and stress free - they provided clear options and talked about the merits of each
Absolutely amazing
Luke was absolutely amazing throughrout the whole house buying process, could not recommend him any more!
I was a first time buyer and he helped me so much with understanding each step of the process, put me at ease and had excellent communication throughrout.
Thanks so much Luke, will absolutely use you again!
Coe from Thrive made the mortgage…
Coe from Thrive made the mortgage renewal process really simple and communicated the results really well.
Thrive also looked after increasing our insurance premiums to give the family better protection.
5 stars, we won’t be going anywhere else.
Amazing service
Really great service, very helpful - explains everything fully and makes what is a really tough process for first time buyers like ourselves actually quite simple and straightforward - can't recommend more
First time buyers use Thrive
It isn't easy guiding first time buyers through the new experiences of property buying but Luke has handled our needs with incredible care and attention. He has only ever answered our many questions with kindness and genuine knowledge, helping us to feel at ease in this rather scary process.
Being freelance, I've had concerns about how to go about getting a mortgage and the documents needed can be overwhelming. Luke has been supportive and understanding, endlessly patient, and ready to help with even the smallest problem. His communication is fantastic, we haven't once felt in the dark about anything. He hasn't settled for the first thing and is in tune with the market to keep an eye on any better options for us.
Luke seems to put his whole life into making sure his clients get the best deals. We will definitely be returning to Lukes expertise when wanting to remortgage or move!
Exceptional Service
We’ve worked with Luke several times now – for both property purchases and our recent remortgage – and every time he has been nothing short of exceptional. His professionalism, knowledge, and dedication are second to none, and we genuinely wouldn’t go to anyone else for mortgage advice.
This latest remortgage was made so much easier thanks to Luke’s clear communication, attention to detail, and proactive approach. He took the time to understand our needs, presented us with the best options, and made sure everything was handled efficiently and smoothly from start to finish.
What sets Luke apart is not just his expertise, but the way he genuinely cares about getting the best outcome for his clients. He’s approachable, trustworthy, and always happy to answer questions – no matter how big or small.
We couldn’t recommend Luke more highly. Whether you’re buying a home or looking to remortgage, you’ll be in incredibly safe hands.
A miracle worker!!
Coe could not have been more helpful with our, very complicated, house buying process. We went to two brokers prior to him who both delayed things & ultimately couldn’t achieve what we needed but was recommended to try Coe as a last ditch attempt and he worked miracles to get us in our home! A genuinely lovely person, I recommend him to everyone.
Coe has that perfect skill of making…
Coe has that perfect skill of making you feel at ease, even when dealing with complex information.
His knowledge of the market place together with his attention to detail and desire to respectfully understand our personal circumstances helped me and my partner come to what we felt was a considered decision.
First Time Buyer
As a first time buyer, I was honestly quite nervous about the whole mortgage process. My wife had a better grasp of it all, but I felt completely out of my depth. This is where Coe made all the difference.
From the start he was patient, clear, and reassuring. He took the time to explain everything in a way that made sense to me, zero jargon, just genuine support and guidance.
Coe made what could’ve been a stressful experience feel straightforward and manageable. We’re now in our new home and can genuinely say we couldn’t have done it without him. I can’t recommend him highly enough. Top experience.
A human-centred mortgage advisor
Coe and the team and incredibly knowledgable and helpful. They talk to you in real terms that you can understand rather than confusing jargon. You also feel like they really do care about you and your family having the right options rather than just being a target on their crib sheet to meet goals or KPIs. Would thoroughly recommend.
Coe is very knowledgeable and…
Coe is very knowledgeable and professional
I can’t recommend Coe highly enough
I can’t recommend Coe highly enough! From our very first conversation, he made the whole mortgage process feel so much less stressful and overwhelming. He took the time to really understand my situation and explained every step clearly, always making sure I felt comfortable and informed.
Thanks to Coe, I am now settled in my new home and couldn’t be happier with how smoothly everything went. If you’re looking for a mortgage advisor who truly has your best interests at heart, look no further. Five stars all the way!
Stress-free re-mortgage
We’re really grateful to have had Luke’s support during our recent re-mortgage. He was incredibly helpful throughout the whole process—always clear in his explanations and patient with our questions. Luke found us a great deal and made sure everything was sorted quickly and efficiently. Highly recommended!
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