Business Details
We provide whole of market mortgage advice through our qualified advisers. Our services cover first time buyers, remortgages, buy to let, home movers and related insurance products. We are authorised and regulated by the Financial Conduct Authority under registration number 726327. Our registered office is located at Business & Innovation Centre, Wearside, Sunderland, SR5 1RW. We operate from our Leeds office at The Grange, 5 Old Hall Court, Burton Salmon, Leeds LS25 5GZ. We maintain a transparent fee schedule based on the total borrowing amount, with fees clearly outlined for different loan ranges.
We ensure that clients receive clear explanations of their mortgage options and the associated costs. Our advisers aim to make the mortgage process straightforward and stressfree for each client. We pride ourselves on delivering personalised service, as evidenced by positive feedback from clients such as Paul Campbell and James and Caroline. We commit to helping clients secure suitable mortgage products while keeping them informed at every step. We adhere to the regulatory standards set by the Financial Conduct Authority to protect our clients' interests.
We ensure that clients receive clear explanations of their mortgage options and the associated costs. Our advisers aim to make the mortgage process straightforward and stressfree for each client. We pride ourselves on delivering personalised service, as evidenced by positive feedback from clients such as Paul Campbell and James and Caroline. We commit to helping clients secure suitable mortgage products while keeping them informed at every step. We adhere to the regulatory standards set by the Financial Conduct Authority to protect our clients' interests.
Highlights and features
- We are FCA authorised under registration 726327.
- We offer whole of market mortgage advice from qualified advisers.
- We maintain a transparent fee schedule based on borrowing amount.
- We have received positive client feedback on our guidance.
- We operate offices in Leeds and Sunderland for accessible service.
Services
First Time Buyers
Our first time buyer mortgage service assists individuals purchasing their first residential property. We provide whole of market advice to identify suitable loan products that match the buyers budget and circumstances. This service aims to simplify the borrowing process, offering clear guidance and support from application to completion.
Remortgages
Our remortgage service helps existing homeowners review and replace their current mortgage. We compare whole of market options to find potentially lower rates or more suitable terms. The goal is to reduce monthly outgoings or release equity while ensuring the new arrangement remains affordable.
Buy to Let
Our buy to let mortgage service supports property investors seeking to purchase residential lettings. We compare whole of market options to find financing solutions that align with rental income expectations. This includes assessing affordability based on projected rent and ensuring compliance with relevant lending criteria.
Home Movers
Our home mover mortgage service assists clients who are selling one property and purchasing another. We compare whole of market options to coordinate the timing of mortgage redemption and new loan advance. The service aims to minimise disruption and provide clear guidance throughout the moving process.
Life Insurance
Our life insurance service provides cover that pays a lump sum on the death of the policyholder. We advise on suitable policies to protect dependants and cover outstanding mortgage balances. This helps ensure financial security for loved ones while meeting lender requirements where applicable.
Reviews (1)
Lisa Nicholson
Jun 02, 2022
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As Directors of our own Company, we pride ourselves on only working with businesses that offer the same outstanding service we do. Our existing mortgage was coming to end of a fixed term and the monthly repayments were due to increase. We appointed Ruth from R A Mortgages to source a fixed term mortgage, with a reduced interest rate. Within a few weeks and very little input from ourselves Ruth obtained a mortgage offer with a fixed rate over 3 years on a reduced rate.
The whole process was seamless & we were extremely happy with our reduced monthly payments. Ruth's knowledge and understanding of the mortgage market along with her competence & professionalism are beyond compare. I would have no hesitation in recommending Ruth at R A Mortgages to my friends, colleagues & business contacts.
The whole process was seamless & we were extremely happy with our reduced monthly payments. Ruth's knowledge and understanding of the mortgage market along with her competence & professionalism are beyond compare. I would have no hesitation in recommending Ruth at R A Mortgages to my friends, colleagues & business contacts.
