Personality! Sensible and professional mortgage advice from the whole of the market
Welcome to Ramsay Financial Ltd
At Ramsay Financial Ltd, you will feel valued and prioritised as you are guided smoothly through every stage of your mortgage journey. With a solid foundation of 24 years' experience supporting clients with a wide range of needs and circumstances, you can be assured that you are in safe hands.
As a whole-of-market mortgage adviser, I have access to a vast range of lenders, including some exclusive broker-only deals.
I pride myself on being ethical, transparent, and only securing the right solution but also in saving you valuable time and reducing the stress involved in the process.
No two cases are the same, and I specialise in matching clients with the most appropriate and cost-effective mortgage solutions tailored to their individual circumstances.
Whether you are a first-time buyer, homeowner, remortgaging, or building a property portfolio, I am committed to providing clear guidance and expert support every step of the way.
Having successfully helped many first-time buyers, homeowners, and landlords navigate the mortgage process, I pride myself on being there when my clients need me the most.
My flexible approach, expertise, and dedication to delivering exceptional customer service ensure that your needs remain my highest priority.
Let me take the stress out of finding the right mortgage, so you can focus on what matters most.
There is no charge for our first meeting or any initial advice.
Free for life
I offer a completely free service for the lifetime of our relationship. This includes:
Your first home purchaseFuture remortgagesProduct transfersMoving home
Residential Mortgages(New clients)
£395 Standard Cases
£495 Complex Cases (eg. adverse credit, foreign nationals, probate cases)
Buy To LetMortgages
£395 Individual Applicants
£495 Limited Company Applicants
Multiple Property Cases Fees are negotiable depending on the portfolio
Mortgage CapacityReports
This fee is fully redeemable against any future mortgage fee within 12 months
Rachel was recommended to us by a friend, due to how amazing she had been on multiple occasions for his mortgages. We have been so happy with the support and services Rachel provided us throughout the process of buying our first home. We would certainly recommend the business for anyone looking for a mortgage advisor. Amazing!
Read moreCallum Lindley
Rachel has been absolutely amazing throughout our entire home-buying journey. From helping us arrange our mortgage to sorting out our life insurance and home insurance, she has been there every step of the way.
She always responds quickly to messages, answers every question thoroughly, and makes what can be a stressful process feel straightforward and manageable. Nothing is ever too much trouble for her, and her knowledge, professionalism, and dedication have given us complete confidence throughout.
As first-time buyers, my partner and I really appreciated the support, guidance, and reassurance Rachel provided. She has consistently gone above and beyond to help us, and her proactive approach meant everything was always handled efficiently and promptly.
I genuinely couldn't recommend Rachel highly enough. If you're looking for someone who is knowledgeable, reliable, supportive, and truly cares about her clients, Rachel is the person to speak to. Thank you for everything you've done for us!
Ashley Bragg
Rachel was very professional and provided us with excellent advice and assisted our application.
I would recommend Ramsay Financial Services.
Greg Carlton
Rachel was absolutely fantastic throughout the entire mortgage process. As a first-time buyer, I really appreciated how patient, knowledgeable, and supportive she was every step of the way. She took the time to explain everything clearly, answered all of my questions, and made what could have been a stressful process feel much more manageable. Rachel was always responsive, and genuinely cared about helping me secure the right mortgage for my property purchase. She gave me confidence from start to finish, and I couldn't have asked for a better mortgage broker.
I would highly recommend and I will be using again.
James
Rachel helped us secure our mortgage after having a not so positive experience dealing directly with a mortgage advisor from a lender. She was always on hand to answer our questions and her knowledge and support gave us confidence from start to finish. We wouldn't hesitate to recommend Ramsay Financial to anyone looking for friendly, professional and reliable advise.
Read moreRachael
Rachel was incredible from start to finish and made the whole house buying process seem really stress free in terms of getting the mortgage. Would highly recommend her!
Read moreKiran Ditta
I can't recommend Rachel highly enough. I needed a Financial Capacity Report completed at very short notice, and Rachel stepped in with just one day's notice when others were unable to help. Not only was she incredibly accommodating, but her fee was also around half of what I had been quoted elsewhere.
Throughout the process, Rachel was responsive, professional, and genuinely personable. Every email, call, or message was answered almost immediately, which made what could have been a stressful situation feel straightforward and well managed.
The service I received was excellent value for money, delivered efficiently and to a very high standard. Rachel's expertise, professionalism, and approachable manner really stood out. I would not hesitate to use her services again and would happily recommend her to anyone requiring a Financial Capacity Report.
Thank you, Rachel, for such outstanding service.
Paul App
Superb service. From our first appointment Rachel had worked hard to get us the best deal. Was there all the way through the process to make sure everything went smoothly. Remortgage arranged. We couldn't be happier. Thanks.
Read moreBarry Foster
Rachel Ramsay at Ramsay Financial Ltd has been absolutely brilliant from start to finish.
Rachel helped us complete three mortgages within six weeks, which was a huge help and made what could have been a stressful process feel much more manageable. The communication throughout was excellent, and we were kept updated at every stage so we always knew what was happening and what was needed next.
Rachel gave us clear advice, explained everything in a way that was easy to understand, and even came out to meet us in person to talk us through the different stages of the mortgage process and how everything would work moving forward.
Ramsay Financial also helped with the information that needed to be sent over to the solicitors and gave us useful advice around putting wills in place, giving us extra peace of mind in case of any unforeseen circumstances.
Overall, the service we received was fantastic. Rachel was professional, helpful, knowledgeable, and very easy to deal with. Nothing ever felt like too much trouble, and the support from start to finish was excellent.
We would happily recommend Rachel Ramsay and Ramsay Financial Ltd to anyone looking for mortgage advice or help with the mortgage process.
Thank you
Mr & Mrs Baguley
Jamie Baguley
