The reasoning is written down
Every recommendation reaches you in writing, with why that lender or insurer was chosen over the others considered. It should still read clearly in five years, to you or to anyone reviewing it.
The firm
We would rather be judged on the files than the advertising.
ROS Mortgages Limited advises on mortgages, protection and insurance across England, Wales, Scotland and Northern Ireland, as an Appointed Representative of Arkke Capital Ltd.
What we hold to
Four commitmentsAdvice before product
If the right answer is to wait six months, clear a credit commitment, or stay where you are, that is the advice you will get. No lender or insurer pays us more for choosing them over another, and any interest that could pull against yours is disclosed to you in writing.
One named person, and a team behind them
You are introduced to the adviser handling your case and to the support team who can answer you when that adviser is with another client. Nobody is left waiting for one phone to be free.
We come back before the deal ends
Completion is not the end of the file. We contact you ahead of your rate expiring, so moving to the next deal is a decision you make rather than one that happens to you.
Completion is not the end of the file.
The people behind the firm
Directors
Sonu Kunjumon
DirectorMSc Risk and Compliance in Banking, LIBF London. Associate Chartered Banker (MCBI), CeMAP, CeRER. Eleven years in international banking, with master’s research on the FCA’s Consumer Duty — the standard he runs this firm to.
“If the reasoning cannot be written down and read back years later, it was never advice. It was a sale.”
Suresh Mathew
DirectorYears of customer service leadership across a wide range of businesses, now shaping how ROS treats the people who call it — the standard of care, the relationships behind it, and the pace at which this firm is allowed to grow.
“Whoever we help today should get the same service the day they need us again — a claim, a rate ending, a move. Same people, same care.”
The advisers
In their own words
Akhil Sasi
Mortgage & Protection Adviser“The right mortgage isn’t the cheapest rate on a comparison site. It’s the one that actually gets approved, and still suits you when the fix ends.”
Arun Sebastian
Senior Protection Adviser“A policy is a promise you hope never to test. My work is making sure it holds on the day you do.”
Tony James
Protection Adviser“I would rather spend an extra hour on the questions today than have a family find the answer at claim stage.”
Nikhil James
Protection Adviser“Cover only works if you keep it. So we size it to what you can afford for twenty years, not twenty months.”
Seenu Krishnan
Protection Adviser“Most people ring me after the advice, when something needs sorting. That call is the part I care about most.”
How we are governed
Regulated advice, supervised in house.
As an Appointed Representative, our regulated business is conducted under the authorisation of Arkke Capital Ltd, which is responsible to the Financial Conduct Authority for the advice we give.
Inside the firm, every case file is documented and checked, new advisers are supervised until they are signed off as competent, and client records are held securely and handled only for the purpose you gave them to us.
If you need us to work differently — another language, someone with you on the call, large print, or simply more time before a decision — tell whoever you speak to. It costs you nothing and it changes nothing about the advice you get.
Legal nameROS Mortgages Limited
Company number16402797
FCA reference1051354
Principal firmArkke Capital Ltd
Principal firm FRN952414
Appointed Representative sinceMarch 2026
Where we adviseEngland, Wales, Scotland & N. Ireland
Client feeNo client fee
If something goes wrong
Tell us, and we will not sit on it.
If you are unhappy with anything we have done, call us on 0796 1234 888 or write to office@rosmortgages.com. Complaints are passed to our principal firm, Arkke Capital Ltd, within one working day of us receiving them, and Arkke Capital will acknowledge and investigate in line with FCA rules.
If you are not satisfied with the outcome, you may be able to refer the matter to the Financial Ombudsman Service. The full procedure is on our complaints page.
Start with a conversation.
Tell us where you are. You will get a straight answer on the call, and the reasoning in writing.
Where to next
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