As a former property developer and experienced BTL landlord and a fully qualified CeMAP and FCA registered mortgage adviser, I have earned a reputation for my personal and honest approach, backed by a first-rate knowledge of mortgage and property investments.
I now use my experience and knowledge of the property market to help people obtain the mortgage finance they require.
Whether for the purchase of your first or next home, re-mortgaging your existing home, investing in a buy-to-let property or getting a commercial and business loan or a property developing loan to secure the best rate or raise funds for other purposes, I am equally well placed to assist and advise with all your lending needs.
Not only will I help you secure the best mortgage or loan for your circumstance but I can also guide and advise you on how to successfully master the property-buying process from start to finish.
I am renowned for my attention to detail, dogged determination and dedication to providing solutions for all my clients. My experience in the property business gave me specific knowledge & personal experience as an active landlord/BTL investor, property developer and an extensive network of contacts in this area.
The added support and guidance my clients receive as a result of my background and expertise is something that helps me stand out from the crowd and is something clients particularly appreciate as I work with them in guiding and educating them through the mortgage and property buying process.
If you would like to work with me then please simply complete the enquiry form on this page to arrange a free and informal initial consultation call and start your mortgage journey now.
We , Robi Finance Ltd are based in Cambridge and we provide mortgage advice services primarily in Cambridgeshire and North London. With all our initial appointments being conducted via phone or video call, we help and advise people across these areas and indeed the whole of the UK.
Whether you’re a first-time buyer or a re-mortgager, we are here to help. At Robi Finance Ltd, we do the hard work for you and help you make those important property purchasing decisions. Our combined experience, contacts and can-do attitude will find you the very best deal. We take great pride in offering absolutely impartial advice so you can rest assured, your best interests are at the heart of the services we offer.
Mortgage advice is everywhere, and separating the wheat from the chaff can cost you both time and effort. That’s why we’re here to do it for you. As qualified mortgage advisers, we understand that choosing the right mortgage is a complex process which can present a number of obstacles.
Once you make your first contact, we will be in touch with you by email, whatsup or sms to gather a few more basic details and also arrange a suitable time to have an initial consultation call. We will always arrange this personally with you.
One of the first questions you might ask us is probably how much you can borrow. To give you a sound answer, we are going to be looking to answers to some questions, basically like what kind of property and where to buy, the reason for the loan, your income and deposit, your expenses, how much would you like to spend and your credit history. We will also get to understand what’s important to you, give you the opportunity to ask any initial queries you may have.
Our job is to recommend and secure the right mortgage for you. Not just for somebody like you, not for most people like you but specifically for you. There are lots of things that need to be considered when getting your first mortgage and it’s our job to get the right mortgage for you.
After the initial meeting and the fact-finding with you, we will have a good idea about what exactly you are looking for. This amount can vary massively from one bank to another. This is because certain banks like certain types of income more than others. Even for straightforward salaried employees, the amount banks will offer them varies. Some lenders even consider lending more to people in specific jobs such as chartered accountants, barristers, dentists, doctors and solicitors etc.
Once we have all information, we will be able to search for the most suitable product for your needs amongst the 1000’s of mortgage products on the market with over 170 lenders. Once we have found the best one for you, we will arrange a second meeting with you to discuss , the product we recommend.
When we come back to you with the most suitable product and you are ok with it, we can then follow up with a summary of where we are at, what you will need to do and a clear plan on how we can move to the next stage.
We will gather all the documents we need and pre-check them to ensure they are up to scratch for lenders. The most important bits about what you tell us will need to be evidenced by documentation. Typically, we ask you to provide proof of your ID (usually two forms of ID), address and income and deposit. These are usually payslips if you are an employee, or Tax Calculations and Tax Year Overviews (usually 2 years SA302s) if you are self-employed, and maybe your employment contract and budget planner.
Once our recommended product is accepted by you, we can then get the application moving and your dedicated case manager will take over and deal with the lender for you and manage the case right through to completion.
How do you know which is the best offer? How do you know if you are being offered the best terms? We are here to guide you.!
A Decision in Principle (DIP) - The first thing we'll do is to issue you with a DIP letter. A DIP letter is a certificate or statement from a lender to say that, 'in principle', they would lend you a certain amount. This is important to ensure that we have locked in your rate and lender. This in principle gives you a clear idea of what you can afford, so you know your potential buying power and also your limits. It is the first step to getting a mortgage which lets you know how much you could borrow. It will also give you an idea of the properties you can afford.
Many estate agents (and sellers) will only take you seriously if you have an AIP and they often ask to see it before they want to show you the properties you want to view. It shows that you're serious about buying.
Valuation - A valuation will need to be carried out. Your lending manager will let you know the costs and make sure we have all the correct information so this part runs smoothly.
Underwriter - Your relationship director will make a submission to our Customer Due Diligence and Credit teams for approval.
Mortgage offer and Legal Work - After the mortgage offer has been issued, most of the work is done by the legal people. We may be able to recommend you a conveyancing solicitor that we trust to do a good job for you.
Protection of your property:
To protect your property against damage to the structure, you need to have Buildings insurance. This will be a condition of the mortgage and must be at least enough to cover the outstanding mortgage. Understanding what type of insurance and level of cover is right for your property and its contents can be complex and of course, you want to ensure you get the best policy at a price to suit your budget. We can arrange suitable building insurance and content insurance. Contents insurance covers the cost of replacing or repairing your possessions if they are damaged, destroyed or stolen
When you ask a Mortgage Broker to arrange a huge debt for you, they have a responsibility to help you ensure you can repay that debt. If you can’t, you could lose your home.
A mortgage enables you to get a home and your income enables you to get a mortgage. If your income stops or reduces for whatever reason, you may find it difficult to survive. It could be even worse if you rely on sharing costs with a partner, or friend, and that person dies. The debt doesn’t die with them. If you want we may refer you to someone who could help you protect yourself from disaster by helping you to arrange life insurance, income protection and critical illness cover including cover in case any children became ill or if they are not permitted to do so they can refer you to someone who can.
Take the first steps towards mortgage success now.??
Request your initial consultation call by filling out your details and we will be in touch within 48 hours to arrange your no-obligation chat.!
After the application; We will keep you up to date with the progress of your application all the way through to you getting your mortgage offer and eventually keys.
Between your mortgage being offered and you finally moving in, you may have hundreds of questions. We will be happy to support you with these and we will be on call right to completion.
After the completion; Your mortgage will come around for review quicker than you realise. When it does it will be handy to have it reviewed by somebody who keeps up to date with the mortgage market every day.
Here at Robi Finance Ltd we want to be transparent with our fees from the very beginning. This means there is no hidden costs or unwanted surprises during your mortgage journey. Therefore during the initial consultation, we will discuss payment options to cover the costs of our services and you will NOT be charged any arrangement fee if your formal mortgage offer is not received. Our initial application fee of £199 is not refundable after we have conducted our research.
The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the initial consultation, but they are typical as follow;
For all standard residential applications, we provide fee-free initial mortgage consultation;
For non-residential and non-standard applications, our fee depends on the complexity of the applications;
For building and contents insurance and referrals, no fee is charged.
Please see our Terms of Business and Privacy policy for more information.
Robi Finance Ltd
4 Pelham Court, Cambridge CB4 3TD, Tel no: 01223 560 472 – 07956827018, Email: [email protected]
The company is registered under Reg No:14639627 in England and Wales.
Robi Finance Ltd is registered with the Information Commissioner’s Office under registration reference: ZB477056 Copyright © 2021. All Rights Reserved.
Robi Finance Ltd is an Appointed Representative of Connect IFA Limited 441505 which is Authorised and Regulated by the Financial Conduct Authority and is entered on the financial services register (https://register.fca.org.uk/s/) under reference 995310.
The FCA does not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.
Not all services we offer are covered by the Financial Conduct Authority.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The information, advice and/or guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
A fee will be payable for arranging your mortgage with Robi Finance Ltd. The amount of the fee will depend upon your circumstances. Your consultant will confirm the amount before you choose to proceed but we estimate it to be around 0.65% (min £499). The initial consultation is free.
Commission Disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive a commission from them after the completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commissions at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.
How To Make a Complaint: It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to; Compliance Department; Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk.
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