MORTGAGES
Mortgages with RS Financial
YOUR Trusted Mortgage Broker!
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Extensive Network
We have established relationships with a wide range of lenders, including major banks and niche mortgage providers. This allows us to offer you a diverse selection of mortgage products and find the best terms and rates for your circumstances.
Transparency
We have established relationships with a wide range of lenders, including major banks and niche mortgage providers. This allows us to offer you a diverse selection of mortgage products and find the best terms and rates for your circumstances.
EXPERTISE
Our team consists of seasoned mortgage professionals with years of industry experience. We stay up-to-date with the latest market trends, interest rates, and mortgage products to provide you with the most relevant and tailored advice.
PERSONALISED
We understand that one size doesn’t fit all when it comes to mortgages. We take the time to listen to your unique goals and financial situation, allowing us to recommend mortgage solutions that align with your specific needs.
The latest Bank of England base rate is: 5%
August 2024
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Our Services
Our mortgage services cater to various needs, including:
First-Time Homebuyers: We’ll guide you through the entire homebuying process, from pre-approval to closing, ensuring you understand your options.
Refinancing: If you’re looking to refinance your existing mortgage to save money or meet new financial goals, we’ll help you explore the possibilities.
Investment Properties: If you’re considering real estate investments or buy-to-let properties, our expertise in investment mortgages can be invaluable.
Specialised Mortgages: We offer solutions for unique situations, such as self-employed individuals or those seeking to release equity from their homes.
- Expertise:
- Access to a Wide Range of Products:
- Time-Saving:
- Negotiation Power:
- Customisation:
- Application Assistance:
- Cost-Effective:
- Ongoing Support:
- Problem Solving:
- Regulated Professional Advice:
Mortgage brokers are specialists in the home loan market. They have in-depth knowledge of various mortgage products, lending criteria, and the complexities of the mortgage process.
Brokers have access to a multitude of loan products from various lenders, including some that are not directly available to the public. This wide selection can increase the chances of finding a mortgage that best fits your financial situation.
Brokers handle the legwork of researching and comparing loans, which saves you considerable time and effort that you would otherwise spend navigating through various lenders and their products.
Negotiation Power: Brokers may have more leverage in negotiating terms with lenders, potentially securing a better deal for you than you might be able to on your own.
Customisation: They can tailor loan options to your specific financial needs and goals, taking into account factors like your credit score, income, and long-term financial plans.
Application Assistance: Brokers assist with the entire application process, from pre-approval to closing, ensuring that paperwork is completed correctly and efficiently, which can help avoid costly errors or delays.
Cost-Effective: Often, the broker is paid a commission by the lender, not the borrower. However, it’s important to clarify this upfront as some may charge fees to the borrower.
Even after the loan is settled, brokers can provide ongoing support, helping with future refinancing needs or answering questions about your mortgage.
Brokers can often find solutions for those with complex financial situations or those who have been rejected by a lender by identifying lenders who are more flexible or willing to take on higher risk.
Mortgage brokers are required to be qualified and regulated by financial authorities, providing peace of mind that they are operating under strict regulatory frameworks.
At RS Financial, we understand that finding the right mortgage can be a daunting task. That’s why our mission is to simplify the process and help you make informed decisions tailored to your financial situation and goals. We offer a variety of mortgage services, each designed to meet the specific needs of our diverse clientele.
For first-time buyers, we provide comprehensive support to navigate the complexities of the mortgage market. Our experts will guide you through every step, from assessing your financial readiness to finding the best mortgage deals available. We understand the importance of making this significant purchase, and our goal is to make the process as smooth and stress-free as possible.
If you already own a home and are looking to remortgage, RS Financial can help you secure better rates or unlock the equity tied up in your property. Our team will assess your current mortgage terms and financial situation, then work with our network of lenders to find an option that could save you money or provide additional funds for other investments or expenses.
For those interested in property investment, our buy-to-let mortgage services are designed to help you maximize returns. We offer expert advice on selecting the right mortgage products for your investment strategy, ensuring you get the best possible terms and rates. Whether you’re a seasoned property investor or new to the market, our team is here to support your investment journey.
We also specialise in providing solutions for unique financial situations through our specialist finance services. This includes equity release, which allows homeowners over the age of 55 to release tax-free cash from their homes without the need to move. Additionally, we offer bridging loans for those who need short-term financing solutions, often used to “bridge” the gap between the sale of one property and the purchase of another.
At RS Financial, we pride ourselves on our commitment to clear and transparent communication. We understand that mortgage jargon can be confusing, so we strive to explain everything in straightforward terms. Our priority is to ensure you fully understand your options and feel confident in the decisions you make.
Get Started Today…Ready to take the next step towards securing the ideal mortgage for your needs? Contact RS-Financial today for a personalized consultation. We’re here to demystify the mortgage process, answer your questions, and help you make the right financial choices for your future. Your homeownership journey begins here.
Learn More About Current Mortgage Rates
RS Financial is a trading name of Right Solutions Financial LTD. Right Solutions Financial LTD (917725) is a appointed representative of Andrew Nolan Mortgages LTD which is authorised and regulated by the Financial Conduct Authority . Andrew Nolan Mortgages LTD Parkhill Business Centre, Walton Road, Wetherby, West Yorkshire, LS22 5DZ (FCA 918720) A Commercial Buy to Let mortgage is where the borrower is acting by way of business and is not regulated by the FCA and therefore the provision of our service does not hold this additional level of consumer protection, unlike for residential mortgages.
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments