Complex income mortgage secured for First-time buyers after 3 year property hunt
Summary
75% loan to value complex income mortgage offer.
1.59% five-year fixed rate.
£1.695m property value.
Complex income mortgage offer, secured through specialist lending team at High Street bank.
Our client
Our clients were a married couple seeking a complex income mortgage for a high value property. Their income was in the form of salaries and a mix of cash and shares bonuses. After 3 years of fruitless searching the couple had finally found the property they wanted to buy and required a mortgage offer as soon as possible.
What was needed?
The property was valued at £1.695m, and the couple had a 25% deposit available. They wanted to secure a £1.27 mortgage while keeping their monthly payments as low as possible. Plus they wanted the ability to pay-off lump sums on a regular basis.
What was the challenge?
One of the clients was an investment banker who received his remuneration as salary plus bonus. The complicating factor was that the bonus he received was in the form of both cash and shares.
The challenge was to find a lender who would consider the total compensation package for mortgage purposes including the shares awarded for the last 2 years. While keeping monthly repayments to a minimum. Banks normally only consider the cash element of bonus payments. In this case this would not have been enough for the 75% borrowing needed by our clients.
How we provided the solution
Nick Plappert, Executive Director of Rose Capital, used his experience and knowledge of the mortgage market to find a solution. He obtained the agreement of a lender to consider both cash and shares when assessing affordability for these clients.
Rose Capital Partners has direct access to a specialist lending team at a High Street bank. Taking into account the client’s financial track record Nick was able to discuss the client’ situation with the lending team. This enabled the bank to take a view on the lending decision. The result was an agreement on a suitable loan at a favourable 5-year fixed rate of 1.59% with a free valuation.
The clients wanted to split the loan between interest-only and repayment lending to keep the monthly repayments as low as possible. This meant the client would make the payments via the client’s monthly salary. Interest only monthly mortgage payments tend to be lower than an equivalent repayment mortgage. The clients could then make over-payments to pay down the interest-only mortgage when the bonus was received.
Nick was able to arrange this with the lender. The clients were absolutely delighted that they had secured their new home after 3 years of searching.
The complex income mortgage sourced by Nick suited their needs precisely. The interest rate was favourable, with a standard arrangement fee and with a free valuation.
What was the rate?
The 1.59% rate was fixed for 5 years, with a £999 arrangement fee and free valuation.
Why people choose Rose Capital Partners
Richard Campo was recommended to us by a friend who did her mortgage application with Rose Capital Partners. Since the beginning of our mortgage application he was very keen to help us purchase our dream house, making the impossible to become possible for us. He put us in contact with his assistant Louise Monk as well who was also very supportive and helpful. They were a pleasure to deal with. They were very responsive and transparent throughout the whole process and now we write this review from our new house, to thank them for their professional support and guidance. We will definitely recommend their services to anybody who is in need of a trustworthy, professional and reliable Mortgage brokerage company.
Sabina Socaciu
19:46 06 Jul 21
Jemima recently supported me with securing a mortgage and I can't recommend her enough. She was incredibly friendly, professional, responsive and supportive throughout the whole process. There were a few issues, but as soon as they came up, Jemima managed them seamlessly even responding late on a Friday evening to make sure all the documentation was sorted and sent off to the bank. She was also unfazed by all my endless questions about mortgages. She's brilliant and would 100% use her again for any other mortgage transactions. Thank you so much for making the process as stress-free as you did!
Cecilia Cran
19:32 04 Jul 21
We were helped by Paul Asare to find a great mortgage when we were not getting as good results elsewhere. From the point of initial consultation right through to completion Paul and his colleague Sarah Jacobs (our case manager) were fantastic. Communication was brilliant and when we needed help, they were there. Fantastic experience, so thank you very much Paul and Sarah. I absolutely recommend Rose Capital Partners for mortgage advice and brokerage.
Ken Dowling
23:12 16 Jun 21
Nick, Amber and the team supported us brilliantly to get a mortgage and a home. They provided a great, personable service from initial exploration call all the way to post-completion. They even took the time to answer questions we had on the buying process not related to mortgages, which was very helpful as first time buyers! Thoroughly recommended.
James Taine
09:34 16 Jun 21
Absolute 5 star rating all the way. I have been a customer for years and would never go anywhere else. Richard and Louise make the process easy and seamless and my requirements are never straight forward but it's never a problem.Highly recommended!!
rob coll
21:26 06 May 21
Rose Capital were fantastic to work with. Our broker, Raj, was very responsive and helped guide us through the process as first time buyers. We would definitely recommend!
Matthew Sayer
15:49 29 Mar 21
Jerome and Abed provided professional service, have been responsive and helpful. The process was a more difficult one (not their fault) and they chased every single avenue in order for us to obtain the mortgage. Would recommend!
Cezar Teru
14:42 18 Mar 21
I am very thankful for the amazing support and guidance from Rose Capital Partners in securing a mortgage for my property purchase. From the start, I felt that Richard understood what my situation was and that he took time and care with helping me find the best option. The team at Rose Capital Partners has supported me throughout the process and has been very responsive and quick to resolve any issue that came up. Aside from mortgage advice, I was also offered invaluable advice in relation to insurances and will. I will definitely be using their services again and have wholeheartedly recommended them to friends.
Simona Webb
11:48 16 Mar 21
Nick and his team found the best mortgage for us and - even more importantly - they made the process easy and smooth. They are professional, always responsive and friendly. As a first time buyer, having the help of a trusted advisor took the hassle out of things; so worth it! I highly recommend Nick
Anca Alexandra
10:01 30 Jan 21
As first time buyers we plenty of questions and Joanna was wonderful in making sure we felt comfortable and understood our options. I am very pleased with rose capital partners and would recommend them to anyone looking for a mortgage
Keith Broere
20:55 28 Jan 21
Great partner and easy to work with, would recommend. Thank you Richard and Louise
Ross H
15:19 13 Jan 21
Joanna was fantastic and talked me through each step of the process. Regular contact and made the whole experience stress free. Highly recommend them! Really appreciate all of their help!
nertila sejko
16:26 07 Jan 21
Fantastic experience with Rose Capital Partners! Professionalism of Nick and Amber can only be admired! Quick response, great assistance and fantastic quality of their service made our mortgage process look like a piece of cake. Highly recommend the team!
Anna Armani
11:46 06 Aug 20
Nick and Amber did an excellent job in securing us a good mortgage for a purchase right after the lockdown. Their knowledge and service quality were excellent and made our process very smooth, from beginning to end, in a very uncertain period!Thanks again to both of you for providing a five-star rating service.
Ivan Armani
11:42 06 Aug 20
Nick did a fantastic job in securing a great deal on our remortgage. Jemima was extremely responsive throughout the entire process. Highly recommended!
Andrew Darragh
22:09 03 Aug 20
A highly experienced team. We had a complex case and the advice we received was clear and constructive, and the company executed on it efficiently and seamlessly. I look forward to working with the team again in the future.
David Gigauri
07:51 28 Jul 20
Rose Capital Partners, specifically Richard Campo and Louise Monk, were extremely professional and helpful. Getting the mortgage sorted out was a challenge because of the Covid-19 crisis, but they got me there in the end. I would highly recommend Rose Capital Partners.
Mark Heholt
12:38 22 Jul 20
Richard and Louise have supported my wife and I for a numbers of years now. Most recently through the pandemic which coincided with our remortgage. The deadline was tight however with some great advise from Richard we were able to complete on time. Louise kept us updated all the way through. Which is reassuring. We didn't pay any extra costs. We will continue to work with Rose Capital Partners. I would certainly suggest you do to!
Karl Ramsaran
08:15 02 Jul 20
Rose Capital Partners have been brilliant in helping me arrange my mortgage and exploring all the options available to me and my partner and helping me decide on the best option for me. Would highly recommend.
Ben Mole
18:57 29 Jun 20
We used Rose Capital Partners for our first mortgage and then for when we had to remortgage and to be honest I will always want to use them! Both Mike (our consultant) and Richard (the Managing Director) have been super helpful / very patient and answered all our questions and got us a great new mortgage for the flat so could not have hoped for better! Would really really recommend them to anyone looking to get a place but particularly for first time buyers like us who were not sure what to do !!
Valeria Orezzi
09:49 18 May 20
Me and my partner bought our first property and used Rose capital Partners as our mortgage brokers. Everyone in the company is very professional but especially Paul Asare who handled our case was absolutely brilliant. Very proactive and professional and always there to answer our questions. He literally looked after everything and we are very grateful that he made our experience of buying our first home a pleasant one.
Farhan Ahmed
10:08 08 May 20
As a first time buyer, I was totally overwhelmed until I found Beth. She answered all my questions and made everything easy to understand. Unfortunately it fell through, but when I contacted her nearly a year later for a new mortgage, she and Molly were still so helpful and responsive. Would 100% recommend.
Weiting Xu
21:24 06 Feb 20
I couldn't recommend Bethany Smith more highly. By no means was our situation straight forward and she managed to find the perfect product for us as well as keeping us up to date and informed throughout the process. Would give 10 Stars if I could. Thanks Beth!!
Ben Hayes
17:18 16 Jan 20
As a first time buyer, my knowledge of the house buying process was virtually none. Bethany was on hand whenever I had any questions or queries and made the whole process so easy, explaining everything to me in detail. From researching I'd found that the whole process could take a month or so from start to finish, but Bethany ensured the whole process from application to offer acceptance was just 3 days! RCP, and Bethany in particular, were truly excellent and I couldn't recommend them more!
Charlie Weatherill
14:42 16 Jan 20
Absolutely wonderful service! I was applying for my first mortgage and knew nothing about the process but Roger was amazing at explaining step by step how everything worked, options available to me and which one would work best for me. He had a brilliant understanding of Halifax and how I can improve my credit score to secure the product I was going for. He and Abed were on top of everything at all times throughout the application, kept me up to date with all the developments and were always there to answer my questions. I would highly recommend them.
Zeynep Aydin
16:11 06 Dec 19
Fantastic service! We were going through our first mortgage application and knew almost nothing about it but Bethany was amazing at explaining how everything worked and what was best for us. All the way through Bethany and Molly were on top of everything, kept us up to date with all the developments and were always there to answer our questions. We will definitely recommend to all our friends and family.
Tom Randall
14:42 22 Nov 19
We had the pleasure of working with Chelsey, who was extraordinarily helpful, attentive and professional. She always responded to our queries and emails (no matter how silly they may have been!) very quickly and always had an answer for us. We can’t thank her enough for getting us through this process of buying our first home! Couldn’t have done it without her.
Natalia Berg
10:28 12 Nov 19
A really excellent service provided by Nick Plappert and his team. We received our mortgage offer in under one week (from mortgage application), which is a stunning turnaround. Nick has advised us based on our requirements, and he has matched us with the appropriate bank - and product. We were also regularly apprised on progress. Superb. Thank you.
Chris Payne
09:26 09 Nov 19
Great service! Responsive, reliable, informative. This was my first mortgage in the UK, and Raj took the time to explain all options, simulate payments and provide advice on different scenarios, without making me feel pressured. He took on all negotiations, saving me significant time, and with a smooth approval and release of the funds.
Lara Martini
20:49 06 Nov 19
Raj was such a gem to work with. I will definitely be using his great service again for my future ventures. I have already advised my family and friends to speak to Raj for their mortgage/remortgage needs. Very professional and straightforward. Thank you Raj. Also would like to say Rob Fox was really patient and professional during the decision making process. Thank you guys for all your help. You guys are true brand ambassadors of Rose Capital ??
Aman Ghai
22:27 31 Oct 19
My boyfriend and I used Rose Capital to get our first mortgage ! Raj was our mortgage advisor and we could not have hoped for a better person! He was always available and happy to explain every little detail (buying a house comes with really complex names for simple things) ! We had an amazing experience! I truly recommend Rose Capital!
Stephanie Geller
14:34 29 Oct 19
We used Raj Bhojani at Rose Capital Partners for our remortgage, and he has been helping us with a new mortgage as well. He is responsive, accessible and pro-active. He sorted the mortgage for us quickly, enabling us to meet a very tight deadline. We are extremely pleased with the mortgage we got and would highly recommend him.
Charlotte Sanders
14:11 29 Oct 19
I had the pleasure of dealing with Robert Fox regarding company life insurance. He was very patient and understanding to my circumstances including making sure we concluding in a manor which was suitable and timely for me. A highly recommended company and person to meet your needs.
Jaymin Patel
10:32 18 Oct 19
We've been working with Beckie for several years and she is an integral part of our property investment business. We love the speed of response and the "hand holding" approach to get mortgages agreed. Beckie has got to know us and our business well, and tailors the products she puts forward to us. She is always quick to give us advice which helps us to grow our business and offer on properties with the right knowledge. If you want a mortgage broker that takes the hassle away, Rose Capital are the ones for you.
Wes Boswell
16:39 17 Oct 19
Chelsey English has been very efficient in her support of our application. She has provided a thorough and caring service and has been very reliable throughout the process. Highly recommended!
agostino cilibrizzi
11:52 08 Oct 19
Rose Capital Partners have been excellent in their support of our mortgage application. They provide a thorough and caring service and have been very reliable throughout the process. Highly recommended!
Brendan Linnane
15:28 07 Oct 19
As a first time buyer, I was quite stressed about the process of getting a new mortgage and running it through. Luckily I came across RCP and Paul Asare provided an excellent service. He was very responsive at all times and ensured that I was fully aware and comfortable at each and every single stage of the process until completion. Abed who also worked with Paul provided the necessary support for paper work and documentation whilst also addressing all our queries. I would definitely recommend them for anyone looking for a new mortgage and a stress free application.Abed was just great in sorting out my building insurance ahead of completion with regular updates. I just had to provide what I was looking for and everything else was sorted so quickly, pretty efficient professional service.
Naweed Jaulim
13:38 07 Oct 19
An open and transparent process with Rose in relation to options for Life Insurance. Rob Fox was able to compare current coverage and explain benefits of proposed new. I would highly recommend both Rob and Rose for life related products
Scott Simmons
12:45 07 Oct 19
Couldn't recommend Monika Gudz highly enough in every aspect during the process of getting the mortgage. She couldn't have been more helpful! Excellent service! Monika is highly professional and knowledgeable. I have no hesitation in recommending Monika as a great, real morgage broker!
Ewa Laskowska
21:10 04 Oct 19
I was recommended to use Monika Gudz by several friends of mine who spoke very highly of her service and ability and I was certainly not disappointed. Monika proved to be incredibly knowledgeable in all areas of mortgage acquisition and her service and efficiency were first rate. She gave me sound advice at all stages of my application and went above and beyond to overcome any difficulties which arose. I would now happily join my friends in recommending her services to anybody who is in need of a reliable, trustworthy and professional mortgage advisor.
Frontline Mag
09:02 04 Oct 19
Great communication, advice and patience. Second time I have used Rose Cap now. Thoroughly recommend to both first time buyers and during re-mortgage process.
Graeme Young
14:43 24 Sep 19
Excellent service. Prompt, personal advice from Chelsey English who really went the extra mile to do research on my behalf, push through my applications and get me an excellent rate. Continues to keep on top of any paperwork so that effort necessary on my part is minimal
Dev Kapur
16:20 23 Sep 19
Perfect experience. Many thanks to Monika Gudz for the her professional and detailed advice. The Remortgage was smooth and with no effort our side. We'll definitely recommend Monika to friends and family. Regards. Atanas
atanas kalaydzhiev
15:39 18 Sep 19
Fast, Efficient and effective. Was a smooth experience with Monika she communicated throughout the whole process and made it easy to understand great experience and will be using Rose capital partners in the future! Thankyou Monika
Rhene
09:10 18 Sep 19
Sorting life insurance out was something my girlfriend and I had never really done anything about but always knew we needed to do. After dealing with our mortgage, we were advised to speak to Rob about what our options were. He was brilliant. By the end of the first conversation with him we fullyUnderstood what it was to have life insurance and what we would be getting. After personalising a few different options for us to think about, Rob gave us plenty of time to consider them and decide which suited our current situation best. The whole process was professional and smooth. One of my biggest hates is people using confusing terminology which people out of the industry won’t understand. This was not the case with Rob as he fully explained everything and encouraged us to ask as many questions as possible, which he was always happy to answer no matter how silly they seemed. I would 100% recommend.
Daniel Day
09:10 17 Sep 19
Really fantastic service securing our buy-to-let mortgage The team was very patient with all of our changes and always prompt and polite in response. Would highly recommend.
James Shaw
20:08 16 Sep 19
I am very pleased with the service. Professional advise in any step of the procedure, which is sometimes complicated. I can honestly recommend this service. Thank you very much ROSECP.
Bart
18:36 03 Sep 19
Perfect experience! My mortgage adviser Johnny Martin is super professional, knowledgeable, patient, and helpful. He supported my case all the way through and I received my mortgage offer quickly and smoothly. This was an extremely wonderful experience to me ever! Thanks Rose Capital :)
Faye Lee
14:36 31 Jul 19
I have been using Rose Capital Partners services over the last few months for financial advice and insurance and am so far very happy with it. The team knows its job well, is very reactive and does follow up its customers. I recommend this company.
Marie Collion
16:27 01 Jul 19
I have been using Rose Capital Partners services over the last few months for financial advice and insurance and am so far very happy with it. The team knows its job well, is very reactive and does follow up its customers. I recommend this company.
Marie Collion
16:27 01 Jul 19
Excellent service from Shanelle & Abed at Rose Capital Partners. They are extremely professional and very attentive. They made sure the whole experience was smooth and they managed all the work for us such as sending the lender the required documents, making sure everything is satisfied, getting the mortgage offer out and getting updates from the solicitors. We would highly recommend them to anyone looking to buy.
ille Abdison
11:08 18 Jun 19
As a first time buyer, I was quite stressed about the process of getting a new mortgage and running it through. Luckily I came across RCP and Paul Asare provided an excellent service. He was very responsive at all times and ensured that I was fully aware and comfortable at each and every single stage of the process until completion. Abed who also worked with Paul provided the necessary support for paper work and documentation whilst also addressing all our queries. I would definitely recommend them for anyone looking for a new mortgage and a stress free application.
Naweed Jaulim
09:57 14 Jun 19
Excellent service. Very pleased with Monika Gudz’s work - responsive & communicative & efficient, you name it. She has got more qualities than an excellent broker can have. She’s made the mortgage process enjoyable and exciting. I am really happy about the result, and looking forward to working with her again in the near future.
Lily Zhang
07:46 13 Jun 19
Working with Paul Asure was a great experience and would recommend to anybody who is in the process of purchasing a property. He was very responsive during the whole process, reachable at any time, and flexible to meet our expectations. He was very thoughtful at every stage and tried to get the most advantageous offer for us. He also guided us properly for the documents that solicitor requested – our case was a little bit complex, out of the ordinary. I was an absolute luck of us to work with Paul. Thank you, Paul!
Eda Aybaba Çelik
11:40 07 Jun 19
If you are looking for a mortgage broker who offer excellent advice, with great customer service (that doesn't stop once you have paid the fee) look no further, these guys are GREAT! I can easily recommend Bethany Smith and her junior assistant Nana Antwi, who were both very helpful throughout the entire process (and continue to be now, post completion).
Alex Garkov
11:16 23 May 19
If you are looking for a mortgage broker who offer excellent advice, with great customer service (that doesn't stop once you have paid the fee) look no further, these guys are GREAT! I can easily recommend Bethany Smith and her junior assistant Nana Antwi, who were both very helpful throughout the entire process (and continue to be now, post completion).
Alex Garkov
11:16 23 May 19
I needed a mortgage very quickly. An estate agent suggested Rose Capital. The advice was fantastic, they knew which lender would come through quickly. They made sure they had every possible piece of paper work upfront to avoid delays. Looks like I will have seen a house and bought it within a month. A record according to the estate agent! Thank you Tania.
Denise Dean
13:39 24 Apr 19
Was put in touch with Robert fox through a work colleague, I found Robert to be very helpful polite and patient and worked around my schedule. He managed to get me exactly what I wanted for the budget I was working to. I can not recommend Robert enough.
Luca Palumbo
16:20 11 Apr 19
We had a really great experience with Rita. She managed to get us a far higher multiple than we had been offered anywhere else, at a really great fixed rate for 5 years. We genuinely could not have purchased our property without her. She also worked closely with us to ensure that all our documents were in place, meaning we received our mortgage offer only three days after the application was submitted! Would highly recommend!
Frida Gundmark
14:54 01 Mar 19
Bethany was so helpful throughout the whole process, securing me a mortgage within 2 weeks from start to finish. I had several other companies looking to ensure that I had the best rate and none of them could come close to what Bethany could offer me. She was helpful and super positive throughout the whole process and knew the answer to all of my questions as this was my first purchase, holding my hand throughout. Always a phone call away, responds instantly and pointed me in the right direction constantly. I was recommended her by two separate friends and I would not hesitate to recommend to any of my friends and family looking!! Totally fantastic - thank you!
H W
14:59 14 Feb 19
I recently bought my first property and am extremely grateful for the professional, friendly and efficient service I received from Rose Capital. Tania was there to advise me every step of the way and consistently kept in contact with me throughout the whole process. I am now thinking of investing in a buy to let, and will certainly be returning to Tania at Rose Capital to help me with this - highly recommend!!
Lizzie Spyrou
10:35 13 Feb 19
My collaboration with Rose Capital Partners was exceptional. My broker Beth was very helpful, explaining everything in detail in the most understandable way possible. They seem to have a good supporting team and the communication has been smooth and prompt. I would strongly recommend.
Πωλίνα Λιαροστάθη
11:55 08 Feb 19
We got two mortgages through RoseCapital. Mike B, Anton L and Nana K were our advisors and they were professional and helpful throughout. Other than a blip where they missed an important message from the bank for a couple of weeks, their other communication was good. Mike worked with us to explain the selected products and tailor a package suitable for our purposes. His knowledge of the various products was impressive and exactly what customers want to see. Overall a good experience (the missed message being the only reason for the 4-star rating). Would definitely recommend.
Robin N
17:18 07 Feb 19
Peter has guided myself and my partner thought our first mortgage application (as well selecting a life insurance provider) and we could not recommend him enough! Constant communication and regular updates made the process effortless. Peter offered us advice, reassurance and was very efficient making the whole process seamless.
Jags Slawek
14:51 06 Feb 19
What a wonderful service. Even though I was half way round the world, the follow up and communication was excellent. Shanelle and her assistant Abed thank you. Brilliant!
Esam Sicander
08:50 06 Feb 19
Nick Plappert & Robert Fox made both the process of sourcing/applying for/securing a mortgage and then advising on & setting up a comprehensive life/critical illness insurance cover so painless and straight forward - always quick to reply to any query I had with a detailed response whilst never being overly pressuringing (other than when I needed to be pushed to get it all sorted!). Great advice along every step also, so myself and my wife were clear on what we were signing up to throughout.
Sim Garlick
15:56 31 Jan 19
**Updated** This is the second time I use this company as I had to remortgage. Nick and the team have been amazing during the process, everything went smoothly and I will use them again. Highly recommended.************************************************************************Natalie has been amazing from start to end - she went the extra mile to make sure we got the right product and was very supportive when things did not go as planned. Highly recommended!
Raphael
15:41 10 Jan 19
I was very happy with the mortgage service provided by Rose Capital. In particular my advisor, Jerome Flick, worked very hard to understand the key issues related to my particular situation. He kept me aware of progress and stayed focused on obtaining the best possible outcome. I wouldn't hesitate recommending him to friends and colleagues, and anyone else looking for efficient and professional help in securing a mortgage.I'm updating this in early 2019 after Jerome and his team supported my remortgaging. As with the initial loan, they provided options, clearly discussed the benefits and guided me to the right decision. After that, I just sat back as they took care of everything. I'm very happy with the advice and service provided by Rose Capital and would immediately look to use the again in the future should the need arise.
Peter Bentham
22:03 07 Jan 19
We're happy Campo's! There's no doubt Richard Campo, wonder boy & owner of Rose Capital is a 5 star broker. Our equity release fell through the day we made an offer. We found R.C. & gave Richard the impossible task of raising 2 mortgages with no time to lose. If you're looking for a no-nonsense, straight talking, professional broker with know how, Richard's your guy. Getting 2 mortgages simultaneously just got easier. Thank you so much for helping us Richard & very well done for everything. Couldn't have done it without you. Highly recommended.
Nikki Bass
17:41 07 Jan 19
Rose Capital Partners were brilliant. Sonia was extremely on the ball, ensuring not just that I got the best mortgage out there, but also that it was well coordinated with the solicitors firm. Extremely helpful, would strongly recommend. Worth every penny as they took the stress away for me!
Jenny Jones
10:22 17 Dec 18
I highly recommend Rose Capital Partners - I felt supported and informed during every step of the mortgage application process. Raj and Mussa in particular went above and beyond often at short notice to help speed up the process and accommodate numerous last minute changes for me. Great experience !
Alex S
21:36 12 Dec 18
Very good service, I would highly recommend. Nick and Mussa were very helpful in finding and helping push through the mortgages we required.
Charlie Bowles
22:17 19 Nov 18
Rose Capital partners looked after us for our first mortgage ever. We cannot thank enough both Raj and Mussa for taking such a good care of us, making sure everything was in place right on time. Very good communication at all times. Their professionalism and hard work has been key for a smooth process. We would definitely choose them again.
Selenia Capra
10:47 19 Nov 18
We used RCP for our first mortgage. Obviously a nervous time for any first time buyers but Peter really helped us, not only in keeping us from worrying but helping us sail through the entire process. We were always informed of progress and he was extremely transparent throughout. One thing we really liked is that we felt we had somebody on our side.Professional, friendly and always at the end of the phone if you need them. Thank you!
Luke Pardon
15:51 07 Nov 18
The service was exceptional. Rita and the team guided me through the daunting challenge of being a first time buyer in London - going the extra mile liaising with agents, lenders and solicitors to make sure everything was done in a timely manner. Thank you!
Aaron Chew
16:17 02 Nov 18
Thoroughly pleased with our broker’s service and responsiveness. Ours was a rather tricky case but Paul Asare got it right. He was recommended to us by the vendor's agent Marsh & Parson's. We would be happy to work with Paul again if we ever move house.
Kelly Liang
21:26 09 Oct 18
Rose Capital have done my two previous mortgages and given us excellent service both times. We've been very happy with the rate they secured us as well as the efficient and professional approach they provided. I will certainly be using them for any future purchase or re-mortgage.
Jamie Sullivan
11:54 04 Oct 18
It’s rare that I’d go out of my way to review a company or service but have been very impressed with Raj Bhojani’s service, commitment and enthusiasm while walking me through my mortgage process, that I asked him where it would be helpful for me to review him. The guy LOVES mortgages in a weird way (not that he shoves them down your throat), he just seemingly wants to help. Even after his part was done, he’d stay in touch to see how things are progressing (through WhatsApp, in my case how we communicated, which worked for me but obviously more formal exchange was email etc / in person). I can’t speak for Rose Capital but only for Raj, I guess he happens to just work for Rose Capital and the two came together nicely for me.
Steve Myers
21:32 25 Sep 18
I was referred to Rose Capital after a friend had a positive experience dealing with the purchase of their first home. I worked with Peter who met with me in the early stages of looking at properties. Peter coached me through my mortgage application and also advised on the whole buying process which gave me a lot of direction in my search. Throughout the process Peter was always easy to get hold of and responded promptly to questions which was greatly appreciated.
Simon Cox
15:57 14 Sep 18
It is difficult to put into words to convey the excellence in service Rose Capital provided.My partner and I bought our property together just under a year ago, and to this day our advisor has still continued to offer a second to none service, and by no means are we high net worth individuals; however Raj genuinely makes us feel like we are very important clients.He is always at hand to answer all our queries and will happily cater to work around our schedule. Our transaction was not the smoothest, filled with numerous complications, but our Advisor was with us every step of the way until the day we got our keys.In addition we recently purchased Contents insurance and given our circumstances, our advisor Mussa, was able to source a policy more cost efficient than our expectation.All the while with a courteous, and positive attitude, topped with a smile. If there is anything further we need in relation to Property and Insurance, we know we’ve found a long term advisor to turn to.
Chi Lau
09:46 06 Sep 18
Rose Capital Partners has dealt with my mortgage applications on two separate occasions. Each time they have been incredibly professional and have gone above and beyond in helping secure my house sale. They have also given me great financial advice. I would highly recommend them to anyone buying a property.
Sinead McIntyre
14:57 21 Aug 18
Great service - polite, efficient and offer informed, impartial advice that considers your own personal circumstances. I used Peter W at Rose Capital to assist with my initial mortgage and then my subsequent remortgage last month. Highly recommended and wouldn't go to anyone else :) Thanks Peter!
Liz Brown
15:31 14 Aug 18
I have been dealing with Rita Benko at Rose Capital Partners in getting my mortgage for my first flat in London. I can honestly say that I have never dealt with anyone more professional than Rita, she is extremely hardworking with excellent communication skills, she keeps me in the loop all the time and is very reassuring. The fact that she responds to my emails straight away whether it's a Saturday morning or a Sunday evening is beyond me as I don't expect it at all but it's very clear that this is a person who goes above and beyond for her clients and she is very efficient with quick responses - even if she has to contact other people to get me the answers, she does it straight away. She has excellent attention to detail, remembers small details about my life and does everything she can to make this process simple for me. I am recommending Rita to all my friends and I will definitely be using her again.
Aida Jammal
12:16 02 Aug 18
Excellent service when obtaining my mortgage. Both Anton and Mark were so helpful, guiding me through as a first-time buyer, both friendly and professional. Nice moving in gift once I completed, too - a really nice touch. Thank you.
Ashley Rose
15:20 26 Jul 18
Jerome and Josh were absolutely incredible throughout the mortgage process. Both of them were knowledgeable, friendly and kept me informed from start to finish. Nothing was too much hassle for them and I would recommend them to anyone looking to get a mortgage.
Hamish Bruce
12:07 17 Jul 18
Rose Capital Partners have always been super efficient, helpful and creative with options. A friendly team and always good communications, thanks for all your help with my remortgage and second mortgage. :)
Rosie Butt
19:40 06 Jul 18
I used Rose CP for my recent re-mortgage and I will certainly be using them next time. Anton and Mike were extremely responsive and knowledgeable and made the process entirely hassle free. Would definitely recommend to anyone
Jon Campo
15:00 06 Jul 18
I have used Rose Capital Partners a number of times, incorporating a new purchase, BTL mortgage and remortgages. On every occasion they have been excellent in their explanation of options, advice and execution. My house purchase entailed transferring a fixed term mortgage between properties, putting in place new residential and BTL mortgages across two different providers and dealing with difficulties with one of these providers. Richard was excellent in explaining the mechanics of how the necessary financing would work, finding the best rates/ products available and coordinating communication across all parties (providers/ solicitors/ estate agents). This took a great deal of stress out of a house purchase that was not altogether straightforward and may not have been successful without Rose Capital Partners.Subsequent remortgages have been seamless, with Richard and Sonia dealing with the process extremely efficiently.
Ben
11:54 06 Jul 18
Ed and his team worked really hard and were able to secure me a great deal, even given my fairly unusual situation with earnings. Communication was excellent: at all points I felt like I was kept up to date, and all my queries were answered quickly and thoroughly. Ed was very friendly, patient, and, crucially, knowledgeable. Can't recommend enough!
Kat Gordon
11:50 06 Jul 18
We had 2 x Difficult Mortgages with Rose Partners, we found Mark and Anton very helpful & professional during the 8 x Months trying to secure our House purchase.Even tough both mortgages ran out (no fault of Rose partners) both Mark and Anton stuck by us during some difficult situations as to resolve our purchase, all worked out vary well for us in the end.Thanks GuysKind RegardsTony & Lin
Tony Billingham
12:27 25 Jun 18
A fantastic experience in buying my property, the process was seamless and both Anton and Bethany really took all the pressure off myself. Thankyou to you both!
ben smith
08:04 30 May 18
Can't have more praise for the team. Profession, efficient and always contactable. Made our first flat purchase incredibly stress-free.
Matt Harry
19:32 27 May 18
Had a really easy experience working with Rose Capital Partners. It was my first time buying and they supported me every step of the way. Michael, Josh and Bethany were particularly great. Would definitely recommend them.
Tinea Taylor
11:31 15 Apr 18
I have used Raj at Rose Capital Partners on one new mortgage and a remortgage and after doing so, I would never look to use anybody else. He got me an incredible deal in such a short period! He went above and beyond by coming to meet me at wherever it was convenient to me. I would highly recommend!
Peter
14:54 15 Mar 18
We were referred to Rose Capital Partners via an estate agent as first time buyers. We had heard that this isn't always the best route so were a bit wary but went for a meeting. Very glad we did! Our main contact was Jess and she was fantastic. We had a detailed meeting where Jess went over everything and completely took our unusual situation in her stride. This included a combination of salary and other types of income for both of us which lenders often don't like, and the first mortgage broker we were recommended as being able to handle it just didn't want to know and told us no one would accept it. Jess quickly found us a good product and went through all the scenarios with us. Later on, the mortgage provider didn't want to lend on the first property we found. Jess and her colleagues were so helpful in handling the transfer to a new property and on advising us about what to look out for from the bank's point of view, to avoid the same thing happening again (it was a particular issue with ex-local authority properties). Jess was extremely responsive throughout and always got back to us promptly and let us know what was happening. We didn't really have direct contact with others at Rose Capital but they also seemed very helpful and we felt that everyone was made familiar with our case and were there if we did need to be in touch. We have now completed and though other factors have been stressful and delayed the process, it really helped to have Rose Capital Partners handling the mortgage side. I would definitely recommend having a chat with them and seeing what is available, even if you have had other brokers/lenders tell you that they can't help because your income is not typical.
Eloise Aston
09:41 03 Feb 18
Should you wish to speak to one of our mortage brokers or protection advisers, Click Here and you will find everyone’s contact details.
Your property may be repossessed if you do not keep up repayments on your mortgage.
This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.
Rose Capital Partners Limited is an appointed representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Conduct Authority.
