Business Details
20 Years
experience
Your Trusted Mortgage Brokers in Ware
Established in 2006 by Steve Thorn and Jack Richardson, RTA Mortgage & Financial Services has built a reputation for delivering proactive, professional, and client-focused financial solutions. Our founders bring over two decades of combined experience in the mortgage industry, enabling us to offer impartial advice tailored to individual client needs. We prioritise long-term financial progression by combining in-depth market knowledge with a commitment to understanding each client's unique aspirations. Our team of qualified advisers works closely with clients to navigate complex financial landscapes, ensuring clarity and confidence in every decision. With access to thousands of mortgage products from leading UK lenders, we provide no-obligation advice and secure agreements in principle to simplify the home-buying process.Our services extend beyond mortgages to include protection policies, insurance solutions, and trust planning, all underpinned by a dedication to transparency and client satisfaction. We operate from our Ware office but serve clients nationwide, offering flexible meeting arrangements to accommodate personal schedules. As a Financial Conduct Authority-regulated firm, we adhere to the highest standards of professionalism and ethical practice, ensuring clients receive reliable, compliant, and future-focused financial guidance.
Services
Mortgage Advice
First Time Buyer Mortgages
Remortgage
Buy to Let Mortgages
Commercial Mortgages
Life Assurance
Critical Illness Cover
Income Protection
Home Insurance
Landlords Insurance
Details
- Year established: 2006
Highlights and features
- We have over 20 years of combined experience in the mortgage industry
- Our advisers provide impartial advice tailored to individual circumstances
- We offer access to thousands of mortgage products from leading UK lenders
- Our services are underpinned by Financial Conduct Authority regulation
- We provide flexible meeting arrangements to suit client schedules
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
Our mortgage advice service connects clients with suitable home loan products through comprehensive consultation. We assess individual financial circumstances to recommend competitive mortgages tailored to specific needs. With access to thousands of products from leading UK lenders, we simplify the application process while maintaining impartiality and transparency throughout.
Protection Policies
We offer bespoke protection policies to safeguard clients against life's uncertainties. Our solutions include life assurance, critical illness cover, and income protection plans designed to secure financial stability. These policies provide tax-free lump sums or regular income to protect dependents and maintain living standards during challenging times.
Home Insurance
Our home insurance services provide comprehensive protection for residential properties. We offer buildings and contents insurance solutions that meet mortgage requirements while covering against common risks. Policies include options for accidental damage and portable item protection, ensuring clients' property investments remain secure against unforeseen events.
Trust Planning
We provide expert guidance on establishing trusts for effective asset management and inheritance planning. Our services explain various trust structures and their tax implications, helping clients protect assets while ensuring beneficiaries receive intended benefits. This service caters to both lifetime settlements and will trusts.
Research Tools
Our online research tools include mortgage calculators and rate tables to aid financial planning. These resources help clients estimate affordability, compare mortgage rates, and understand potential costs. While serving as initial guidance, we recommend professional consultation to address individual circumstances accurately.
People
Steve Thorn
Founder
With over two decades of mortgage industry experience, Steve co-founded RTA Mortgage & Financial Services in 2006. His expertise in mortgage brokering and financial planning forms the foundation of our client-centric approach.
Jack Richardson
Founder
Bringing extensive mortgage sector knowledge, Jack co-established RTA Mortgage & Financial Services. His commitment to impartial advice and client education drives our team's dedication to financial progression for every client.
Questions
What mortgage types do you specialise in?
We specialise in first-time buyer mortgages, remortgages, buy-to-let mortgages, and commercial mortgages, offering tailored solutions for each category.
Are your mortgage advisers qualified?
Yes, all our mortgage advisers are qualified professionals with extensive industry experience, providing impartial advice regulated by the Financial Conduct Authority.
What protection policies do you offer?
We offer life assurance, critical illness cover, income protection, family income benefit, and key person protection policies to safeguard your financial future.
Can you help with home insurance requirements?
Yes, we assist with buildings and contents insurance, including specialist coverage for landlords and unoccupied properties.
How do you ensure impartial mortgage advice?
As a credit broker, we access thousands of products from multiple lenders to provide unbiased recommendations based on individual client circumstances.
What areas do you cover?
While based in Ware, Hertfordshire, we provide services nationwide through flexible meeting arrangements and online consultations.
Reviews (7)
Lee Murray
Dec 15, 2021
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The only painless part of the house buying process. Katie did a great job handling my mortgage application. Same day responses, honest and got me a better deal than I could find available. Highly recommended.
Nathan Hendy
Oct 03, 2021
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Positive:Professionalism,Quality,Responsiveness
I couldnt recommend Katie enough ! She was very easy to keep in contact with every step of the way and explained everything clearly for anyone to understand. She was very kind and even helped me with other small issues to get is all done quicker. Would 100% use again when the time comes !!
I couldnt recommend Katie enough ! She was very easy to keep in contact with every step of the way and explained everything clearly for anyone to understand. She was very kind and even helped me with other small issues to get is all done quicker. Would 100% use again when the time comes !!
Rachael Coleman
Sep 28, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Highly recommend! Our mortgage and protection adviser Katie, went above and beyond to help us get the most of everything that was available to us. Very friendly, professional and came back to our enquires quickly. Made moving a lot less stressful :)
Highly recommend! Our mortgage and protection adviser Katie, went above and beyond to help us get the most of everything that was available to us. Very friendly, professional and came back to our enquires quickly. Made moving a lot less stressful :)
Steven Stopps
Sep 24, 2021
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The service provided by Katie was excellent from start to finish. Katie was so helpful, super efficient and professional throughout the experience of getting the mortgage and buying our house. We would definitely recommend Katie if you need a mortgage.
Jess Protheroe
Sep 18, 2021
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I could not recommend RTA more! Especially Katie. She was such a massive help and I dont think my sister and I couldve gone through this process as swiftly as we did without her. Thank you so much!
Ben Sawyer
Aug 31, 2021
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Katie was fantastic with helping us arrange our mortgage. She was very responsive throughout the process and made us feel at ease as first time buyers. Highly recommended!
Louis Hutchings
Aug 28, 2021
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Positive:Professionalism,Responsiveness,Value
Cant recommend RTA highly enough. Jack and Sam were absolutely brilliant throughout. We will definitely be going back when we need to sort out our next mortgage!
Cant recommend RTA highly enough. Jack and Sam were absolutely brilliant throughout. We will definitely be going back when we need to sort out our next mortgage!
