Joe Kelly

Joe Kelly is a mortgage and protection adviser at Trinity Finance and has been helping clients achieve their property goals since 2019.

Since entering the mortgage industry, Joe has developed extensive experience across residential mortgages, remortgages, buy-to-let lending, limited company buy-to-let mortgages, let-to-buy transactions, commercial lending, bridging finance and more complex cases involving adverse credit or specialist lending requirements. He is passionate about finding solutions for clients who may have been told “no” elsewhere and takes pride in guiding people through what can often be one of the biggest financial decisions of their lives.

Joe works with a wide range of clients, from first-time buyers taking their first step onto the property ladder through to experienced landlords growing property portfolios, property investors seeking short-term finance solutions and business owners requiring commercial funding. His detailed knowledge of lender criteria and underwriting requirements allows him to identify solutions for both straightforward and complex cases.

Specialist Areas of Expertise

• Residential mortgages
• Remortgages and product transfers
• Buy-to-let mortgages
• Limited company buy-to-let lending
• Let-to-buy transactions
• Commercial lending
• Bridging finance
• Adverse credit cases
• Self-employed and company director mortgages
• Complex income structures and affordability assessments

Clients often comment on Joe’s responsiveness, attention to detail and willingness to go the extra mile. He believes clear communication is key and aims to make the mortgage process as straightforward and stress-free as possible from initial enquiry through to completion.

Prior to joining Trinity Finance, Joe built experience within financial services and has since established himself as a trusted adviser for clients across London, Kent and the South East. He regularly works alongside estate agents, solicitors, lenders and commercial finance providers to ensure transactions progress smoothly and efficiently.

Outside of work, Joe enjoys property renovation projects, staying active through sport and travelling with his partner and children. He values spending quality time with his family and enjoys exploring new destinations and experiences.