Mortgages
Purchase, moving, remortgage, buy to let and limited company. You see why we chose the lender, in writing.
Mortgages
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ROS Mortgages · Across the UK
Mortgage and protection advice, made simple.
Across England, Wales, Scotland and Northern Ireland, with no fee for our advice — we are paid by the lender or provider.
Where are you up to?
What we arrange
Three disciplinesProtection
Life, critical illness and income protection — with what each policy does, and does not, cover set out plainly.
ProtectionInsurance
Buildings, contents and landlord cover, arranged for completion day and explained before you buy.
InsuranceA rough idea in ten seconds
What could you borrow?
Type in what comes in and what you have saved. It is arithmetic, not an application — but it tells you whether the conversation is worth having.
Put a figure in and the range appears here.
An estimate to help you think, and nothing more. It is not advice, not a quote, and not a decision from a lender — a lender reads your credit file, your bank statements and the property itself, and none of that is in these three boxes. Most lenders work to somewhere between four and four and a half times income, and the affordability calculation usually bites before the multiple does. Your home may be repossessed if you do not keep up repayments on your mortgage.
How we work
Three stepsWe listen
A conversation about your income, your deposit and your plans. Nothing is recommended yet.
We search
Lenders and providers are compared against your circumstances, not against a monthly target.
We put it in writing
The recommendation, the reasoning and the costs reach you before anything is submitted.
Meet your advisers
Meet the whole team →
Who we are best for
Where we add mostVisa and work-permit buyers
Skilled Worker, Health and Care and pre-settled status. We know which lenders accept which permits.
Self-employed and directors
One year of accounts, retained profit and contract income, evidenced the way underwriters want it.
First homes and small deposits
Gifted deposits, family help and what a lender will and will not count as your income.
The firm
Built to a standard, not to a volume target.
You pay us no fee for advice — we are paid by the lender or provider when a case completes. Every case is documented and checked, so the reasoning behind your recommendation still reads clearly years later.
About the firmRegulated adviceThrough Arkke Capital Ltd
Written recommendationsOn every case
CoverageEngland, Wales, Scotland & N. Ireland
Client feeNo client fee
In their words
5.0 on Google · 5 reviews
“From the very beginning, Sonu was professional, knowledgeable, and always available to answer our questions. He explained every step of the mortgage process clearly…”
“Excellent service from Sonu, our mortgage advisor, guided us through every step of the mortgage process, kept us informed, and made everything easy to understand. Highly recommended.”
“An excellent support, prompt response, clear instructions and honest guidance… I felt very confident since from the beginning.”
“Highly professional and efficient service! I cannot thank ROS enough for helping us secure our mortgage… They are fast, honest, and highly professional.”
“I had an excellent experience with ROS Mortgage Ltd from start to finish. The team was professional, knowledgeable, and always available to answer my questions.”
Advisers
For advisers who want the file to stand up years later.
One written standard, structured supervision, and support that does not disappear once the application is submitted.
Tell us where you are up to.
Browsing, offer accepted, or three months from the end of a deal — the first conversation costs nothing and commits you to nothing.
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