Meet the team

Members of the team...

Kay Crabtree

With over a decade of experience in the mortgage and protection industry, Kay is passionate about providing clear, honest and personalised advice that helps clients make confident decisions about their financial future. She takes pride in getting to know her clients and building trusted relationships that last well beyond the initial mortgage.

Kay is one of the directors of Harptree Mortgages, alongside her husband Stuart and her father Fred. Being a family-run business is something that is particularly important to Kay, and she values the close working relationships they have built both professionally and personally.

As a local business owner, being part of and giving back to the community is also important to Kay. She is a governor at a local school and enjoys supporting local initiatives and community projects wherever she can. She believes that a strong local community is built on people and businesses looking out for one another.

Outside of Harptree Mortgages, Kay enjoys spending time with her family, running and getting out to enjoy live music whenever she can. She is proud to combine her professional experience with a genuinely personal approach, helping individuals and families navigate what can often be one of the biggest financial decisions they will make.

Fred Harper

With decades of experience in the mortgage industry, Fred brings extensive knowledge and expertise to Harptree Mortgages. His long career has given him an in-depth understanding of the industry, allowing him to provide clients with honest, straightforward advice and a personal service they can rely on.

Fred is Kay’s father and one of the directors of Harptree Mortgages. He works alongside Kay and her husband Stuart, making Harptree a genuinely family-run business. His experience and approachable nature have helped him build strong, long-standing relationships with clients over many years.

Fred is also qualified to provide equity release advice, helping clients understand their options and make informed decisions about their financial future.

Outside of work, Fred enjoys making the most of life in and around Harpenden. He loves spending time with his two grandchildren, socialising with friends locally, getting out for walks and visiting the Isle of Wight whenever he can.

Fred also has a vast knowledge and passion for music and still regularly enjoys getting out to live music gigs. Whether discovering new artists or enjoying some of his favourites, music has always been a big part of his life.

For Fred, the relationships he has built with clients over the years are a particularly rewarding part of the job. He enjoys using his experience to help people find the right solutions for their individual circumstances, while being part of a business built around family values.

Stuart Crabtree

With several years of experience in the mortgage and protection industry, Stuart brings a calm, practical and personable approach to helping clients navigate their mortgage and protection needs. His previous career in operations has given him strong organisational and problem-solving skills, which he combines with a genuine commitment to providing straightforward, tailored advice.

Stuart is one of the directors of Harptree Mortgages and works alongside his wife Kay and her father, Fred. Being part of a family-run business allows them to combine their individual experience and knowledge while maintaining the personal service and trusted relationships that are at the heart of Harptree Mortgages.

Stuart enjoys being actively involved in the local community and is particularly passionate about grassroots football. He coaches both U7 and U12 Colts football, helping young players develop their skills, confidence and enjoyment of the game. He also enjoys playing golf at Harpenden Golf Club, where he spends plenty of time on the course when he’s not working or coaching.

Family, community and building lasting relationships are important to Stuart, both personally and professionally. He is proud to be part of Harptree Mortgages and to provide clients with a friendly, local service they can trust.