Business Details
10 Years
experience
Your Trusted Mortgage & Financial Advisers in Colchester
RB Financial was established in 2016 with a clear mission to simplify the mortgage process and provide impartial financial guidance. Our team combines over a decade of industry experience with a client-centric approach, ensuring tailored solutions for mortgages, home insurance, and protection policies. We prioritise understanding individual client needs, offering access to a comprehensive range of products from 65+ lenders. Our commitment to transparency and ongoing support has earned us a reputation as a trusted advisor in Colchester and surrounding areas.We specialise in first-time buyer mortgages, remortgaging, buy-to-let financing, and bespoke protection plans. Our process focuses on clarity, from initial consultation to completion, with dedicated support for complex cases. We maintain regulatory compliance through our association with the Financial Conduct Authority. Client testimonials consistently highlight our responsiveness, expertise, and stress-free service delivery. Our long-term vision remains centred on building lasting relationships through reliable, ethical financial guidance.
Services
Mortgages
First-time Buyer Mortgages
Remortgage
Buy to Let Mortgages
Pure Protection
Home Insurance
Life Insurance
Critical Illness Cover
Income Protection
Family Income Benefit
Details
- Year established: 2016
Highlights and features
- We offer 8 years of specialist mortgage advisory experience since 2016
- Our team provides access to mortgage products from over 65 lenders
- We deliver personalised financial solutions with no-pressure guidance
- Our advisers hold FCA-authorised network accreditation
- We guarantee transparent communication throughout the mortgage process
What people say
Excellent service
Knowledgeable team
Highly recommend
Professional and friendly
Stress-free process
Services
Mortgage Advice
Our mortgage advisory service provides comprehensive guidance for first-time buyers, homeowners, and landlords. We offer access to 65+ lenders and specialise in finding competitive rates for residential and buy-to-let properties. Our FCA-regulated advisers provide end-to-end support from initial consultation to completion.
First-time Buyer Mortgages
Tailored mortgage solutions for first-time property purchasers. We simplify the buying process with expert guidance on available schemes, deposit requirements, and lender selection while ensuring clients understand all financial commitments involved in homeownership.
Buy to Let Mortgages
Specialist financing options for property investors. Our service includes portfolio strategy advice, competitive rate comparisons, and guidance on tax implications while considering rental income potential and landlord-specific lending criteria.
Pure Protection
Comprehensive protection policies including life insurance, critical illness cover, and income protection. We help clients select appropriate coverage levels to safeguard mortgages and family financial security through tailored insurance solutions.
Remortgage Services
Expert remortgaging advice to help clients secure better rates or release equity. We analyse current deals against market options, manage the transition process, and provide clear comparisons of potential savings and associated costs.
Questions
What mortgage options are available for first-time buyers?
We offer comprehensive first-time buyer mortgages with competitive rates from 65+ lenders, including specialist advice on deposit requirements, government schemes, and affordability assessments.
Can I remortgage my property to release equity?
Yes, we provide remortgaging solutions to release equity for home improvements or debt consolidation, comparing competitive rates while explaining all associated costs and benefits.
What protection policies should I consider with a mortgage?
We recommend life insurance, critical illness cover, and income protection policies tailored to your circumstances to safeguard mortgage repayments against unforeseen events.
Do you offer buy-to-let mortgage solutions?
Yes, we specialise in buy-to-let mortgages with expert advice on portfolio strategy, rental income assessments, and competitive investment loan options from specialist lenders.
What documents are needed for a mortgage application?
We require proof of ID, address verification, three months' bank statements, and income documentation including payslips or tax returns for self-employed applicants.
Can I get a mortgage with previous credit issues?
We help clients with adverse credit histories access specialist mortgage products while providing honest assessments of affordability and realistic lending options.
Reviews (5)
Cameron Fairweather
Nov 06, 2021
Report
I can't recommend Rishi highly enough. Excellent communication throughout the whole process. He was clear and efficient and the whole service provide was seamless. Thank you, Rishi!
Rhys Davies
Oct 31, 2021
Report
Amazing service.
Explained the whole process initially and then sorted everything out within a month. The process couldn't of been any more hassle-free. I recommend Rishi to everyone looking for a mortgage/financial advice.
Explained the whole process initially and then sorted everything out within a month. The process couldn't of been any more hassle-free. I recommend Rishi to everyone looking for a mortgage/financial advice.
Ben Pudney
Jun 18, 2021
Report
Exchanged today! Everyone always says moving house is one of the most stressful things to do and they aren't lying. One thing that wasn't though was the mortgage. Rishi kept us informed all the way through and just spoke very straight and professionally to all our queries. He was responsive and informative and just made it an easy process. Even up to the last minute when we had queries coming in Rishi picked up the phone and calmed our nerves. Couldn't recommend more if honest.
B. G.
Jun 04, 2021
Report
Rishi is a fantastic mortgage advisor who helped me and my partner get a mortgage in the middle of a pandemic when at times it didn't look like we might be able to! He explained every step thoroughly and was very fast to respond to my texts and calls. 5 star service would recommend to anyone.
Hannah Grinham
Apr 06, 2021
Report
Excellent service from Rishi throughout helping me and my partner secure our first mortgage. Rishi was always on hand to answer our questions and provided a professional, high quality service throughout the process. Will definitely be recommending to anyone looking for a mortgage broker in the future!
