Independent advice for all your Mortgage and Protection needs
No matter where you are in the UK we offer an extensive and personal service tailor made to suit your financial needs.
At our firm we understand that securing a mortgage is a significant financial commitment. One that can be daunting, confusing and over-whelming. That’s why we take a friendly and personal approach to offer tailor-made services for our clients based on individual needs and circumstances. Whether you are looking to buy your first home, next home or refinance existing mortgage deals, we offer transparent advice and take care of all the administration in arranging the right mortgage for you.
Once you have purchased your property we understand the importance of having peace of mind that’s why we also help to arrange the necessary protection for your property, family, and lifestyle. For us it’s not just about one-time transactions, we believe in nurturing the relationships with our clients to make them long lasting and give them confidence to use our services time and again.
MORTGAGES
As every client’s needs and circumstances varies so will the assessment criteria and affordability rules for mortgage providers. With our in-depth knowledge and experience of the mortgage market, we can identify and recommend the most appropriate mortgage deal tailored to your specific needs and requirements.
PROTECTION
Our mission is to ensure that once you get the keys, you have the right insurances in place to protect you and your family who reside at the property. These policies can be complex to understand, so we’ll simplify and guide you through the various options in clear terms, tailored to your individual needs.
GENERAL INSURANCE
Buying a property is one of the largest financial commitments you will probably make in your life, so it’s extremely important that you ensure relevant insurance is in place to protect the property and or it’s contents. If you are buying using a mortgage loan, then it’s usually compulsory for the building to have adequate cover in place as part of the agreement with the mortgage provider. We discuss the importance of each type of cover, for you to be make an informed decision on how to proceed.
Testimonials from previous clients
“I was first introduced to Rumi by a friend a few years ago and since then, I’ve used him Rumi for everything! He was amazing with arranging my first mortgage at the best rates around and walked me through the whole process.
I didn’t even need to keep an eye on my mortgage as Rumi contacted me 18 months later for my re-mortgage and advised on getting the ball rolling early to keep me ahead of the volatility in the mortgage market. He’s been fantastic throughout and I wouldn’t go anywhere else! I would recommend him to anyone in a heartbeat as when it comes to arranging mortgage deals, everyone should have a Rumi on their side.”
Alex Lallo
“I have used Rumi on a couple of occasions over the past few years and his service is exemplary. He provided great advice in helping me purchase my first BTL investment property, at a time when interest rates were rising, and affordability was proving difficult. He also helped me and my family move into our forever home recently, again at a time when the mortgage market was extremely volatile.
His knowledge, professionalism and communication skills are what sets him apart from other advisers I have dealt with in the past. I will be using him for all my future mortgage needs and have already recommended his services to my family and friends.”
Rajesh Jethva
“We had the pleasure of working with Rumi on several occasions. Buying a house for the first time can be both exciting and daunting. Rumi made the process incredibly smooth and was able to explain to us every single step which put our minds at ease.
We then completed a remortgage with his advice and were able to secure a pretty good deal, particularly in the volatile mortgage market. We would highly recommend his services because of his reliability and efficiency.”
Giulia & Will Gherghel
We are with you every step of the way –
The following is the advice journey with Rumi Mortgages
Reach out and inform us of how we can assist you and schedule in a convenient time
for a FREE no obligation discussion.
Initial Consultation – We can utilise this opportunity to acquaint yourself with us and to gain a comprehensive understanding of your situation, goals, and aspirations.
“Fact-find” meeting – this will be a more formal meeting to obtain detailed personal information and relevant documents required to apply for a mortgage agreement in principle, with the most suitable mortgage lender for your circumstances.
After further research, a mortgage agreement in principle will be arranged and a follow-up call to address any queries that you may have. We can also guide you on how to proceed next with finding a suitable property and what to expect from 3rd parties such as estate agents and solicitors.
Once your offer has been accepted for the property you desire, we have another meeting to go through the recommendations for your mortgage needs before submitting the full application to the mortgage lender.
We manage the application by liaising with the underwriters and get the valuation booked on the property, for mortgage assessment purposes. Once this has been satisfied, the formal mortgage offer is then issued. It is at this point our fee payment would be taken.
We will continue to offer support with various aspects such as liaising with estate agents and solicitors whilst the purchase transaction progresses. We will also arrange the relevant insurances required to protect you and your property.
After the completion of your house purchase, we remain available to address any questions or concerns, fostering a long-term relationship aimed at continual support and assistance.