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first time buyers
We offer expert professional advice and recommendation to help you through your purchase, including arranging a mortgage, any relevant insurance needs and dealing with solicitors.

remortgages
Competition between mortgage lenders these days is fierce. Our expert advisors will inform you of all mortgages available to suit your needs and provide a recommendation.....

debt consolidation
If the value of your home is greater then your current mortgage this creates equity which can be used to pay off other debts. This can help to ease financial pressure.

buy to let
A popular method of investment for clients, at the moment, is the purchase of a second residential property to provide further income.This regular income comes from rent.....


lifetime mortgages
If you are reaching retirement age or have already retired and are looking to utilise the equity available in you property we can help to arrange the appropriate mortgage to do this.

commercial
If you are interested in buying commercial property as an investment or looking for new business premises and need finance to be able to get the right property then we can maybe help.

buying abroad
If you are looking to buy a property abroad we can help. We can introduce you to companies who specialise in Overseas investment properties around the world.

let to buy
This is another alternative lending facility whereby you can let your existing property in order to move to another residential property yourself.


criticall illness
This pays out a lump sum on the diagnosis of a critical illness. This can be used on a level or a decreasing basis. It can also be taken out on a standalone basis.

income protection
This is a long term protection, payable if you were unable to work due to an accident or sickness. The benefit is dependent upon your income.It can be taken up to the age of 65.....

buildings & contents
Buildings insurance is the only compulsory insurance that you must take out with a mortgage.
This does not have to be with the mortgage provider. Contents Insurance is optional.....

life insurance
This pays out a lump sum on the event of a death. This can either be on level basis or on a decreasing basis. It can be used to repay a mortgage on the event of a death.

Think carefully before securing other debts against your home.  Your home may be repossessed if you do not keep up repayments on your mortgage.

RA Mortgages will charge a fee for advising and arranging a mortgage, this fee is £995.

RA Mortgages is a trading style of PIA Financial Services Ltd which is an Appointed Representative of Openwork Limited, which is authorised and regulated by the Financial Services Authority

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. PIA Financial Services Limited is registered at Companies House under ref no 06422721 at 73 The Village, Stockton on The Forest, York, YO32 9UP.  PIA Financial Services Limited is also regulated under no 514819 with the Financial Services Authority.  RA Mortgages Limited is also registered at companies house under ref no 05837030 at The Grange, 5 Old Hall Court, Burton Salmon, Leeds, LS25 5GZ.

Buy to Let, Let to Buy, Overseas Mortgages & Commercial Mortgages are not regulated by the Financial Services Authority.
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