Former bagpipe maker shares insights from 27 years in broking
Broker in Focus is a dedicated series that highlights the unique journeys of mortgage brokers, providing them with a platform to share their experiences, insights, and expertise. Through compelling personal stories and professional reflections, each featured broker recounts the key moments that have shaped their careers, delves into the challenges and opportunities facing the industry today, and shares the valuable wisdom they have gained along the way.
This week, Mortgage Introducer features Richard Noble (pictured above), mortgage and protection advisor and non-executive director at The Mortgage Finance Store. With nearly three decades in the industry — and 23 years at the same brokerage — his career path is as unconventional as it is inspiring.
Full name: Richard Noble
Job title: Mortgage and protection advisor / non-executive director
Company: The Mortgage Finance Store
Number of years in the industry: 27
Location: Dundee, but no geographical restriction for clients
How and when did you become a mortgage broker?
My career path into mortgage broking wasn’t exactly conventional. After leaving school, I worked as a bagpipe maker — a craft that taught me patience and precision. I eventually transitioned into various sales roles, many of which involved finance. That experience sparked my interest in the financial side of things. Then, in the late 1990s, I was offered an opportunity to manage a team and handle mortgages with RE/MAX estate agents. That was my first real step into the world of mortgage advice. In 2003, I joined The Mortgage Finance Store, and I’ve been here ever since. Next month marks 23 years with the firm — a journey I’m incredibly proud of.
In your opinion, what has been the most positive development in broking?
One of the most positive developments in the industry has been the increased focus on compliance. While it’s often viewed as a regulatory burden, I see it as a force for good—it’s made brokers think more deeply about what truly matters for the client. It’s encouraged a shift towards providing full advice and ensuring we treat customers fairly at every stage.
Unlike the banks, which often provide limited guidance, brokers are now in a stronger position to deliver comprehensive, personalised advice that puts the client’s best interests first — and that’s a major step forward for the industry as a whole.
What challenges do you see currently facing the industry?
Cost of living is rising so affordability is cut. Not enough houses being built and deposits are tight. Banks criteria means people have to be really squeaky clean or will pay the penalty rate wise..
One of the biggest challenges right now is affordability, driven by the rising costs of living. Clients are finding it increasingly difficult to meet lender requirements, and this is compounded by a chronic shortage of housing supply. With fewer properties available and deposits harder to come by, many buyers — especially first-timers — are struggling to get on the ladder.
On top of that, lender criteria have become incredibly strict. Unless a borrower has a near-perfect financial record, they’re often penalised with higher interest rates, which further impacts affordability.
Can you share a memorable or challenging experience from your career as a broker and the lessons you gained from it?
What I learned — and what I always tell new brokers — is don’t be afraid to ask questions. There’s no shame in double-checking or seeking guidance. The mortgage industry is built on collaboration, and chances are someone else has encountered the same challenge before. Whether it’s speaking with a BDM or leaning on your network, help is always available if you’re willing to ask.
Could you share any valuable advice for individuals aspiring to become brokers or those new to broking?
The best piece of advice is to build relationships and never stop asking for referrals. Networking is everything in this business. You’ve got to stay visible and engaged with your clients — don’t be afraid to follow up more than once. I make it a point to visit clients two, sometimes three times, not just to support them but to keep the connection strong.
I don’t rely on advertising. Instead, I focus on delivering real value, whether it’s helping with their mortgage or assisting solicitors with securities, which keeps me involved in the full process. That level of involvement opens the door to ask, “Do you know anyone else who could use my help?” It might not pay off straight away, but if you’ve genuinely made a difference, they will recommend you. Trust is built over time, and that’s what drives long-term success in broking.
Broker in Focus is a weekly Mortgage Introducer feature, spotlighting mortgage brokers from diverse backgrounds and locations across the UK. Among those recently featured are Luke Spellman of Spellman Financial Services, Daniel McLardy of Experts 4 Mortgages, Richard Dalgleish of Premier Financial Planning, Nick Cooper of Clark Marshall Associates, Shadab Sayed of Bennison Brown, Andrew Foligno of Foligno & Co, Luke O’Sullivan of The Loans Engine, Simon Allen of Searchlight Finance, Charn Gandham of Chancery Consultants, and Ifthikar Mohamed of WIS Mortgages.
Are you a mortgage broker interested in being featured? Email the author with your details.
