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01206 879559

info@rb-financial.com

19a London Road, Colchester, CO3 0NH

 

Mortgages

Providing mortgage advice tailored to you

Since our inception in 2016, RB Financial has been helping homeowners in Colchester and the surrounding areas with tailored mortgage advice, making the process smoother for those looking to get on the property ladder.

Whether you’re a first-time buyer looking for a flat, need to remortgage, or are thinking about buying a second home, having qualified mortgage advisers to guide you every step of the way makes all the difference. 

At RB Financial, our dedicated team of mortgage advisers in Colchester guarantees to provide you with reliable mortgage advice.

 
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Mortgage Calculator

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10%

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£1421

Monthly Payment

Principal & Interest £1421

Monthly Taxes £1421

Your property may be repossessed if you do not keep up repayments on your mortgage

This value is calculated using a simple income multiplier to provide an indicative figure only. We do not guarantee its accuracy or applicability to your circumstances. When you apply for a mortgage, lenders will calculate how much they will lend based on your income, expenditure, and debt.

Buying a home

If you’re moving home in Colchester, securing the right mortgage within your timeframe is essential. Our expert advisers are here to make the process smooth, sourcing the best mortgage options tailored to your needs.

 
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First-time buyer mortgages

Buying your first home in Colchester is an exciting, yet overwhelming time. With so many mortgage options available, getting the right advice from the start is key. At RB Financial, we make the first time buyer mortgage application process simple and guide you to the best solution without pressure.

 

Remortgaging

If your mortgage deal is ending, you could face higher monthly payments on your lender’s standard variable rate. Remortgaging could save you money, whether by securing a better deal, switching lenders, or freeing up funds for home improvements. Whatever your goals, we’re here to make the process stress-free.

 

Buy to let mortgages

Whether you’re a first-time landlord or growing your property portfolio in Colchester, a buy-to-let mortgage is essential. Unlike residential mortgages, buy-to-let loans typically require a larger deposit and have higher interest rates. Instead of assessing your income, lenders focus on the rental potential of the property.

 

Testimonials

  • “I cannot recommend RB Financial enough. Rishi is so approachable and nothing is too much. He really goes above and beyond. There is no stupid questions and he is always there on hand. He is very knowledgeable and really does take some of the stress out of moving! This is my second time using Rishi’s services, I definitely won’t be going anywhere else. 10/10 communication.”

    Dielle Milles

  • “Rishi and the team have been so helpful throughout the whole process of advising on our new mortgage. They answered all our questions so quickly and I would not hesitate to recommend them for any financial advice that you need”.

    William Hunt

  • "A professional and friendly service. Rishi will always find a solution no matter how impossible it seems. Would highly recommend!"

    A McPhail

  • "I have received excellent service and support from day one. I felt that I could ask any questions without hesitation. Follow up to emails and phone calls was always immediate and I couldn't have asked for a more caring and efficient service. Highly recommended"

    V Brant

Mortgage Process

At RB Financial, we know that arranging a mortgage can feel overwhelming, our aim is to make it as straightforward as possible. Here’s how we do it:

  • Consultation – We start by getting to know your circumstances, budget, and goals.
  • Research – Next, our advisers search through the options available to find a mortgage deal that fits your needs.
  • Application Submission – We handle the paperwork and liaise with lenders on your behalf.
  • Approval & Offer – Once approved, you’ll receive a mortgage offer, and we’ll guide you through any final checks.
  • Completion – After contracts are exchanged, you’ll receive the keys to your new home!

We’re with you every step of the way, ensuring the process is smooth, stress-free, and tailored to you.

Mortgage Services

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Buying a Home

Find the right mortgage solution for you.

Two people looking at a laptop together in home setting
First-time Buyer

Everything you need to know about purchasing your first home.

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Remortgage

Experts at sourcing the right deal for you. right

Let by signs on a street
Buy to Let

First-hand knowledge of the Buy to Let market. 

Frequently Asked Questions

How much deposit do I need for a mortgage?

If you're a first-time buyer the amount you may need for a deposit will be around 5 - 10% of the property value. However, if you are looking to buy a second home, or a buy-to-let property the amount for a deposit may be more, around 25%

What documents do I need for a mortgage application?

Before making the exciting decision to get a mortgage, you will need the following documents before applying. These are: 

  • Proof of ID, this is in the form of an in-date passport or driving licence.
  • Proof of address. A recent utility bill or council letter. Along with a bank statement from the last 3 months. 
  • Proof of income, this will be three months of payslips. If you're self-employed, self-assessments and tax-year overviews will be needed. 

Speak to us today about which documents you will need and we will guide you through the process.

Can I get a mortgage with bad credit?

You certainly can get a mortgage with bad credit, however, it can be challenging as lenders use your credit report to determine your ability to repay any loans. This shouldn't deter you, as there are options for people with poor credit to still get a mortgage. Our team are experienced advisers and will discuss the best options for you.