What We're
All About

About Us


Established in 2001, Riviera Mortgages has grown to become one of Torbay’s most respected and leading mortgage advisors. With over 30 years of experience within the financial services sector we provide a tailor made solution to your personal circumstances.


Our aim is to deliver tailored, professional face-to-face financial planning and support for our clients from our Torquay Office. Our advice and guidance covers a range of products from mortgage finance, property insurance, personal and business protection.

Colin Tucker
Director and Mortgage Advisor
BA (Hons), Cert DipPFS, Cert CII (MP & ER)
Riviera Mortgages is owned by Colin Tucker, whose financial services career began in 1994. Straight from University, Colin joined Bristol & West undertaking various financial planning roles in the local area. He later furthered his career with Alliance & Leicester as an Inheritance Tax Specialist before moving into Mortgage Advice with Riviera Mortgages.

Colin holds a Degree in Financial Services and a Diploma in Personal Finance with qualifications in mortgage advice, recommendation and planning. He is a member of the Personal Financial Society and Chartered Insurance Institute.
Born and bred in Torquay, Colin has extensive knowledge and expertise in all aspects of mortgage finance, personal and business protection.
In his spare time Colin enjoys playing five-a-side football, the outdoor life and spending as much time as possible with his wife and family. Colin also holds a First Dan Black belt in martial arts.
Kevin Besford
Mortgage Advisor
Kevin joined us in September 2015 having previously worked as an advisor for Mortgage Angels in Kent. Kevin has over eighteen years of mortgage experience having worked with a number of firms in the financial sector.

Outside of work Kevin is a regular runner with Teignbridge Trotters having done seven marathons (so far) and numerous other events. Kevin is also involved in local football, being a committee member of Stoke Gabriel FC with over thirty years' service as a referee.
Sarah Foley
Mortgage Administrator
Sarah joined us in Nov 2015, born in Torquay and having grown up locally, she is passionate about the English Riviera and local history. Sarah brings experience from a variety of roles, including admin, tourism, marketing and events co-ordination.

Sarah supports Colin in all aspects of the mortgage process and plays a key role in maintaining good relationships with clients, lenders, estate agents and solicitors.

Sarah lives with her husband, son and a very enthusiastic Cocker Spaniel.
Nathan West
Mortgage Advisor
Nathan joined us in November 2019 as an advisor in both mortgage and protection with 2 years’ mortgage experience. He has worked in the financial sector for the last 6 years as his previous role was as an insurance broker.

Born in Barnstaple he has lived in Devon all his life and been enjoying the city life in Exeter for the past 5 years.

A musician in his spare time, Nathan also enjoys going to see live music and loves the cinema and films in general.
Liddy Cook
Office Administrator
Liddy joined us in September 2019 to provide support to Colin and the team in all administrative duties.

She was born in Nottingham but has lived in Devon since early childhood so very much feels like a local! She grew up in Totnes and moved to the Torbay area in her teens.

A keen artist having studied Fine Art Sculpture at university, Liddy’s previous job was as a tattoo artist but also includes various roles in admin and customer service. She still enjoys painting and drawing, specialising in pet and people portraits.

Liddy is mum to a son and daughter, her rather energetic collie cross dog Roxy and 2 guinea pigs.

Why are we different?

We recognise that with the introduction of the Mortgage Market Review (MMR) on April 26th 2014, obtaining mortgage finance from a High Street Bank or Building Society has become much more involved and time-consuming.

The need to obtain impartial professional mortgage advice is more important than ever. Lenders criteria has undergone major changes and now interest rates should no longer be the major factor when considering your mortgage options.

There are several points to take in to account when considering mortgage options:

  • lenders criteria
  • current lender processing times
  • lenders interpretation of your personal financial circumstances
  • We offer a free consultation service with no obligation as we are positive that our impeccable service sets us apart from our competition. This ensures that you are confident in our ability to help with your mortgage or protection requirements.

    • Will & Nat
      Having served in the British Army for over 25 years we have often had difficulty securing a mortgage. There have been several mortgage brokers in the past who have overpromised and underdelivered and others who ’specialise' in brokering mortgages for Armed Forces personnel and their families but charge a very high fee of several thousands pounds and higher. Colin’s fees have never been in the 4-figure region, he has charged us exactly the same as his other customers. Colin of Rivieria Mortgages has never charged high fees even though we have ‘challenged’ him on numerous occasions and he has always come through, regardless of where in the country we had been posted to. Having to move every couple of years has meant having a high number of addresses on our credit file, yet this has never been an insurmountable problem for Colin. Regardless of whether it was a buy-to-let or residential mortgage Colin has always delivered and with a decent rate too. His communication has always been fantastic throughout and even if it didn’t work out with one lender Colin always had other options, he would advise us and stay in contact throughout, keeping us updated on the progress every step of the way. Colin has never failed us and we cannot speak highly enough of him, I would recommend him and Riviera Mortgages to anyone and everyone, especially to those serving in the Armed Forces community.
      Will & Nat
    • R Lane-Keeble
      Extremely helpful and went above and beyond to help.
      R Lane-Keeble
    • K Monro
      The service felt personalised and unhurried.
      K Monro
    • P Drinkwater
      Colin Tucker and his team from Riviera Mortgages were on hand throughout the transaction which for various reasons was particularly stressful.
      P Drinkwater
    • L Hemmings
      Very good advice, willing to listen to our concerns and provided us with a very good over all package.
      L Hemmings
    • A Lynn
      The service I have received has been excellent and I’m extremely grateful that Colin as gone up and beyond to get us the right mortgage.
      A Lynn
    • P Brinicombe
      Colin listened to our initial requirements & from then on carried out all of our needs with a very professional & caring manner. We can not recommend him highly enough. Thank you.
      P Brinicombe
    • R Gilmour
      The Service provided was excellent.
      R Gilmour
    • A Philp
      The advice given was accurate and well positioned towards our requirements allow us to make an informed decision on this financial transaction
      A Philp
    • J Downer
      Colin and team once again provided a very personalised, friendly and efficient process, and came up with recommendations which were highly appropriate for my needs.
      J Downer
    • M Relph
      Nothing was ever a problem for Colin, went far and beyond to help us. Great guy highly recommend him.
      M Relph
    • Mr S Philp. Torquay
      Very friendly and efficient; made the whole mortgage process easy.
      Mr S Philp. Torquay
    • David Jarman, Totnes
      Colin arranged a complex mortgage package involving more than one property where specialist knowledge of the market was essential. It came together in time and with minimum fuss. Colin went to great lengths to make the process and options clear to us. We would happily engage him again.
      David Jarman, Totnes
    • Mrs K, Huddersfield
      I approached Riviera Mortgages through a family recommendation. The advice and support I received was excellent throughout. My adviser was helpful, gave clear explanations and dealt with all matters promptly. I would recommend their service to anyone.
      Mrs K, Huddersfield
    • Mr Andrew Wise, Exeter
      Colin Tucker is an invaluable asset to this team. He has always given me expert advice on any matters I required assistance with. I would highly recommend this company to anyone seeking a friendly and helpful service. Colin provides a refreshing and unique approach to great customer service and his help has been very beneficial to me.
      Mr Andrew Wise, Exeter
    •  R A Hart, Paignton
      I have dealt with Colin Tucker of Riviera Mortgages for several years and have always found the service he has provided of a very high standard. The staff have always been friendly and welcoming and I would not hesitate in recommending them to friends and acquaintances in the future as I have done on several occasions in the past.
      R A Hart, Paignton
    • Christine Barnsley, Torquay
      Colin has always put our interests first by giving sound and trustworthy advice. The service and support has always been exceptional. I would not hesitate in recommending him to anyone. He has always put us at ease, has a very good customer manner and makes us very comfortable in his presence. He makes everything very clear to us so we understand. He service is excellent.
      Christine Barnsley, Torquay
    • Mr & Mrs Welfare, Torquay
      We have been using Riviera Mortgages for 7 years, having needed 4 mortgages during this time. Always we have been treated with respect and consideration in a friendly, yet professional, manner. We have always ended up with the right mortgage for us with their help. I have recommended them to several of my family and friends.
      Mr & Mrs Welfare, Torquay
    • Mr & Mrs G Barber, Torquay
      We were recommended to Riviera Mortgages and we were so glad we were. From the first contact we were given exceptional service, all calls were promptly returned and we were treated with courtesy at all times. The advice we received was in our best interests and they found the most appropriate product for us. We would not hesitate to recommend this excellent team.
      Mr & Mrs G Barber, Torquay
    • Mr P and Mrs E Herring, Torquay
      In our dealings with both Steve and Colin we have found their advice to be most helpful. We always feel that they listen to our needs then offer good, sound and trustworthy advice and, by putting our interests above all other considerations, we would not hesitate in recommending Riviera Mortgages to anyone.
      Mr P and Mrs E Herring, Torquay
    • Mr J Anderson, Paignton
      Riviera Mortgages were recommended to me by a friend. My financial situation was immediately understood. All options were clearly and patiently explained; I was put at ease. My concerns were answered in an open and friendly way such that the time was well spent. I accepted a Mortgage Offer thanks to Mr Colin Tucker who gave me exemplary help and I made a new friend in him too. I have already passed recommendations to others. Very pleased indeed!
      Mr J Anderson, Paignton
    • Mrs V, Totnes
      Colin gave us a first class service and very useful and professional advice when advancing on our mortgage. His efficiency was impeccable and we would definitely recommend him to anyone; a truly top class service.
      Mrs V, Totnes
    • Mr P, Newton Abbot
      Colin Tucker is my first port of call if I am seeking advice regarding my mortgage. Whilst he is able to provide sound, reliable advice, he has an excellent manner which enables him to explain complicated documents in plain English. Colin has the ability to provide solutions where other companies fail to do so ~ he comes highly recommended.
      Mr P, Newton Abbot

    How are we different?

    As mortgage professionals we take an active role in every integral part of the mortgage and property buying process. Our experience, reputation and professional connections ensure that we can successfully manage all third party relationships. We take pride in guiding you through your application step by step, resulting in a stress free transaction for you.

    We promise to provide the necessary structure and advice to deliver a service and an experience that will make you want to recommend us to your friends and family.

    We consistently ensure that our ethos ‘What matters to you, matters to us’ is our prime focus. We focus heavily on building a long-term relationship for the future and are proud of our local reputation.

    Our business has grown through customer recommendations and we have introduced a client recognition scheme to ensure your loyalty to us is valued.