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RAW Mortgages

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RAW Mortgages

Robert Woolfe trading as RAW Mortgages is an Appointed Representative of the Right Mortgage Limited All initial discussions with us are free.

With over 40 years experience, Rob is a Whole of Market Mortgage and Insurance Adviser acting on your behalf to find rates which meet your needs, in terms of both cover and cost. Rob takes pride in the advice he gives and all discussions are held with your welfare being of paramount importance. For this reason, much of our business comes from referrals and high client retention. If you take a look

at the 'Reviews' section, our clients have kindly left some wonderful feedback for us - This is testament to Rob's work ethic and care for his clients. Your home (or property) may be repossessed if you do not keep up repayments on your mortgage. A fee may be charged for Mortgage advice. The exact amount will depend on your circumstances.

06/02/2026

Hi all...it's been a while since posting on here.

Many of you will know Hannah set up and looked after our social media, and may know that Hannah is now living in Bahrain with her partner, Hassan.

Today (Friday) is Hassan's opening race of 2026 so I thought I'd share some photo's. Hope you're interested. Hannah does send her regards to all the clients she met and others who read these pages.

06/02/2025

Hi all...

Today the Bank of England reduced the base rate from 4.75% down to 4.50%, a reduction of 0.25%

How could this affect your mortgage?

If you are now on a fixed rate mortgage there will be no effect because your rate remains the same

If you are on a tracker rate, your interest rate will also reduce by 0.25% because a tracker rate follows changes in the base rate. Your payment should reduce swiftly.

If you are on a lenders variable rate, it is up to the lender whether to follow any changes in the base rate. They are not obliged to.

If you are on a LIBOR rate (quite rare), there will be no direct consequence

If you are considering a new mortgage, whether to purchase or remortgage...

New fixed rates will not necessarily reduce; they are not directly linked to current interest rates. They are priced more in line with what expected future interest rates could be. At present, some lenders are reducing their fixed rates whilst others are increasing theirs. It's a topsy turvy world out there!!

New tracker mortgage interest rates will continue to follow the base rate. They will now reduce by 0.25% meaning a reduced mortgage payment

New variable rate mortgages will continue to be at the discretion of the lender because that is what they do

New LIBOR mortgages will not be directly influenced by changes in the base rate

IMPORTANT: if you have applied for a mortgage (or Product Switch) and it has not yet started, and if that lender has now reduced its interest rates, you may be able to apply for that new rate to replace the rate you've already applied for.

At RAW MORTGAGES we do our utmost to be proactive by checking the rates we have applied for on behalf of our clients, and if they reduce, we'll act accordingly. We do though ask our clients to contact us because with the amount of clients we have and the number of applications being submitted, we can't always do this, so if we have arranged a mortgage for you, to be on the safe side, be in touch and ask us to review. Well do this immediately.

If you are reading this, and have applied for a mortgage or Product Switch, but not with RAW MORTGAGES, speak with whomever advised your mortgage.

Hope this may help to clarify.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

04/01/2025

Hi all...just reading a football forum about a recent match being postponed due to a waterlogged pitch. Was discussing whether the Club should invest in covers to protect the pitch.

The comment below caught my attention and sums up perfectly why if purchasing a home, having insurance in place can be so important, be it home insurance, life insurance, and illness insurance.

If you are stalling on taking out adequate cover to save a few £'s, consider these words. They are most apt

"but I see them as a necessary cost now, just like an insurance policy, a grudge purchase that you hope is never needed. A capital expenditure with a payback period"

🙂

01/01/2025

Very Best Wishes to all our clients, and to your friends and families.

Thank you sincerely for your support in 2024. Have a healthy 2025!!

RAW MORTGAGES

23/12/2024

From RAW MORTGAGES, our very best festive wishes to our new clients, to our existing clients with an added thank you to the many who have recommended friends, family, work colleagues to us. We never take you for granted; we really are most grateful to you, and will always work for your benefit. Client care is uppermost in our minds at all times.
And thank you to our business introducers, financial advisers, estate agents, solicitors and accountants who have recommended RAW MORTGAGES to your clients.
To everyone, have a lovely Christmas and very best wishes for a healthy 2025

11/12/2024

We're always so grateful when a client is kind enough to show their appreciation of our work done. Merlot will go very well indeed with the end of the week meal. Thank you very much!!

The thanks though are just as much from us, in thanking you for trusting us with your business.

08/11/2024

Today the Bank of England reduced the base rate from 5.0% down to 4.75%, a reduction of 0.25%

How could this affect mortgages?

If you are now on a fixed rate mortgage there will be no effect because your rate remains the same

If you are on a tracker rate, your interest rate will also reduce by 0.25% because a tracker rate follows changes in the base rate. Your payment should reduce swiftly.

If you are on a lenders variable rate, it is up to the lender whether to follow any changes in the base rate. They are not obliged to.

If you are on a LIBOR rate (quite rare), there will be no direct consequence

If you are considering a new mortgage, whether to purchase or remortgage...

New fixed rates will not necessarily reduce; they are not directly linked to current interest rates. They are priced more in line with what expected future interest rates could be, and it is expected they could actually increase. At the moment now, many lenders are increasing their fixed rates

New tracker mortgage interest rates will continue to follow the base rate as that is what they do.

New variable rate mortgages will continue to be at the discretion of the lender because that is what they do

New LIBOR mortgages will not be directly influenced by changes in the base rate

Hope this may help to clarify.

09/09/2024

As we've said so many times, we certainly don't do what we do for the thanks, but knowing we've done a good job means so much to us....

The gifts from our valued client are so lovely and we're extremely grateful. Thank you, and those words mean so much to us and gives us job satisfaction and pride the way we go about it.

The thanks are from us to you our valued clients.

15/08/2024

💛⭐Appreciation Post⭐💛

Recently, we've received some lovely gifts from clients to thank us for the work we've done for them...

We certainly don't do what we do for the Thank You's but it really means so much to us....

THANK YOU!!

🐺💛

Address

61 Ashton Road East, Failsworth
Manchester
M359PW

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