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Richard Crow Mortgage & Insurance Broker

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Richard Crow Mortgage & Insurance Broker

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Independent mortgage and insurance specialist providing services nationwide.

At R C Financial we offer free and impartial advice on Mortgage and Insurance products. Typically we charge a fee of no more than £495 for arranging your mortgage, however the actual fee will depend on your circumstances and may be less, and in some cases more. Your home (or property) may be repossessed if you do not keep up repayments on your mortgage payments.

29/01/2024

Very proud moment today and a well deserved shout out to Danneka June Fraser!

Danneka has been working with me for just over 4 years now. She started in administration, and today she got her “Competent Adviser Status” (CAS).

To get to this point she has had to pass 3 very difficult (and boring) exams, and have every single case that he has done in the last 6 months rigorously checked.

She has passed them all with flying colours, and I couldn’t be prouder of her.

The progress and development you have made in this time has been a pleasure to watch, and I look forward to seeing you flourish very soon as a Mother!!! Exciting times ahead.

Thank you for all your hard work.

And finally, to all of the people that trust us to look after them at such an important time.

Without you, none of it would be possible. ❤️🙏🏼

04/01/2023

Buying your first home is exciting, but a bit daunting. In this podcast, Richard explains everything you need to know, including:

👉 How much could I borrow?
👉 What deposit do I need?
👉 Is my credit rating OK?
👉 What government schemes are there?

Listen now for all the details: https://rcfinancial.co.uk/first-time-buyers/

At RC Financial we offer free and impartial advice on Mortgage and Insurance Prodcuts.

Typically we charge a fee of no more than £395 for arranging your mortgage, however the actual fee will depend on your circumstances and may be less.

Your home (or property) may be repossessed If you do not keep up repayments on your mortgage or any other debts secured upon it.

28/12/2022

𝗜𝘀 𝗮 𝗱𝗶𝘀𝗰𝗼𝘂𝗻𝘁 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗶𝗴𝗵𝘁 𝗳𝗼𝗿 𝗺𝗲?

Generally, you should only take out a discount deal if you can comfortably afford for your monthly repayments to increase.

Talk to a broker to understand how a discount deal might work for you. Find out more: https://rcfinancial.co.uk/home-mover-mortgages/discount-mortgages/

𝗔𝘁 𝗥 𝗖 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘄𝗲 𝗼𝗳𝗳𝗲𝗿 𝗳𝗿𝗲𝗲 𝗮𝗻𝗱 𝗶𝗺𝗽𝗮𝗿𝘁𝗶𝗮𝗹 𝗮𝗱𝘃𝗶𝗰𝗲 𝗼𝗻 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗮𝗻𝗱 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗽𝗿𝗼𝗱𝘂𝗰𝘁𝘀.

𝗧𝘆𝗽𝗶𝗰𝗮𝗹𝗹𝘆 𝘄𝗲 𝗰𝗵𝗮𝗿𝗴𝗲 𝗮 𝗳𝗲𝗲 𝗼𝗳 𝗻𝗼 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 £𝟯𝟵𝟱 𝗳𝗼𝗿 𝗮𝗿𝗿𝗮𝗻𝗴𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲, 𝗵𝗼𝘄𝗲𝘃𝗲𝗿 𝘁𝗵𝗲 𝗮𝗰𝘁𝘂𝗮𝗹 𝗳𝗲𝗲 𝘄𝗶𝗹𝗹 𝗱𝗲𝗽𝗲𝗻𝗱 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗰𝗶𝗿𝗰𝘂𝗺𝘀𝘁𝗮𝗻𝗰𝗲𝘀 𝗮𝗻𝗱 𝗺𝗮𝘆 𝗯𝗲 𝗹𝗲𝘀𝘀.

𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 (𝗼𝗿 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆) 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗿 𝗮𝗻𝘆 𝗼𝘁𝗵𝗲𝗿 𝗱𝗲𝗯𝘁𝘀 𝘀𝗲𝗰𝘂𝗿𝗲𝗱 𝘂𝗽𝗼𝗻 𝗶𝘁;

21/12/2022

𝗪𝗵𝗮𝘁 𝗶𝘀 𝗮 𝗱𝗶𝘀𝗰𝗼𝘂𝗻𝘁 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗮𝗻𝗱 𝗵𝗼𝘄 𝗱𝗼 𝘁𝗵𝗲𝘆 𝘄𝗼𝗿𝗸?

A discount mortgage is a type of variable rate mortgage, where the interest rate is set at an amount below the lender’s standard variable rate (SVR).

The initial rate on a discount mortgage can often be lower than a fixed deal, but you need to be comfortable with the idea of your monthly mortgage payments going up. Find out more: https://rcfinancial.co.uk/home-mover-mortgages/discount-mortgages/

𝗔𝘁 𝗥 𝗖 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘄𝗲 𝗼𝗳𝗳𝗲𝗿 𝗳𝗿𝗲𝗲 𝗮𝗻𝗱 𝗶𝗺𝗽𝗮𝗿𝘁𝗶𝗮𝗹 𝗮𝗱𝘃𝗶𝗰𝗲 𝗼𝗻 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗮𝗻𝗱 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗽𝗿𝗼𝗱𝘂𝗰𝘁𝘀.

𝗧𝘆𝗽𝗶𝗰𝗮𝗹𝗹𝘆 𝘄𝗲 𝗰𝗵𝗮𝗿𝗴𝗲 𝗮 𝗳𝗲𝗲 𝗼𝗳 𝗻𝗼 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 £𝟯𝟵𝟱 𝗳𝗼𝗿 𝗮𝗿𝗿𝗮𝗻𝗴𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲, 𝗵𝗼𝘄𝗲𝘃𝗲𝗿 𝘁𝗵𝗲 𝗮𝗰𝘁𝘂𝗮𝗹 𝗳𝗲𝗲 𝘄𝗶𝗹𝗹 𝗱𝗲𝗽𝗲𝗻𝗱 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗰𝗶𝗿𝗰𝘂𝗺𝘀𝘁𝗮𝗻𝗰𝗲𝘀 𝗮𝗻𝗱 𝗺𝗮𝘆 𝗯𝗲 𝗹𝗲𝘀𝘀.

𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 (𝗼𝗿 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆) 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗿 𝗮𝗻𝘆 𝗼𝘁𝗵𝗲𝗿 𝗱𝗲𝗯𝘁𝘀 𝘀𝗲𝗰𝘂𝗿𝗲𝗱 𝘂𝗽𝗼𝗻 𝗶𝘁;

14/12/2022

𝗪𝗵𝗮𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝗜 𝗱𝗼 𝗮𝗳𝘁𝗲𝗿 𝗺𝘆 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗵𝗮𝘀 𝗯𝗲𝗲𝗻 𝗱𝗲𝗰𝗹𝗶𝗻𝗲𝗱? ⛔

Being declined by 1 lender doesn’t mean that they will all decline you, as they each have a different set of criteria to meet. It can be difficult to match your circumstances to a suitable lender on your own, but a broker can do this in seconds.

🔍Find out more https://rcfinancial.co.uk/bad-credit-mortgages/declined-mortgages/

Typically we charge a fee of no more than £395 for arranging your mortgage, however the actual fee will depend on your circumstances and may be less.

RC Financial may receive a small fee from Checkmyfile for any accounts opened.

Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured upon it.

07/12/2022

𝗪𝗵𝘆 𝘄𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗴𝗲𝘁 𝗱𝗲𝗰𝗹𝗶𝗻𝗲𝗱 𝗳𝗼𝗿 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?😕

There are a plethora of reasons that you might be declined for a mortgage, ranging from your own personal financial circumstances, right through to the condition of the property you’re buying.

🎧Listen to our latest podcast episode for more information https://rcfinancial.co.uk/bad-credit-mortgages/declined-mortgages/

Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured upon it.

Typically we charge a fee of no more than £395 for arranging your mortgage, however the actual fee will depend on your circumstances and may be less.

RC Financial may receive a small fee from Checkmyfile for any accounts opened.

30/11/2022

𝗛𝗼𝘄 𝗰𝗮𝗻 𝗜 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 𝗺𝘆 𝗰𝗿𝗲𝗱𝗶𝘁 𝘀𝗰𝗼𝗿𝗲 𝘄𝗶𝘁𝗵 𝗮 𝗵𝗶𝗴𝗵 𝗶𝗻𝗰𝗼𝗺𝗲?💰

There are a number of ways to improve your credit score, and with a higher income, it should be easier to repay any debts, which will have a positive impact.

🎙️Listen to our latest podcast for more tips and advice about getting a mortgage with bad credit, as a high earner https://rcfinancial.co.uk/bad-credit-mortgages/bad-credit-high-income/

𝗬𝗼𝘂𝗿 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗿 𝗮𝗻𝘆 𝗼𝘁𝗵𝗲𝗿 𝗱𝗲𝗯𝘁 𝘀𝗲𝗰𝘂𝗿𝗲𝗱 𝗼𝗻 𝗶𝘁.

Typically we charge a fee of no more than £395 for arranging your mortgage, however the actual fee will depend on your circumstances and may be less.

RC Financial may receive a small fee from Checkmyfile for any accounts opened.

23/11/2022

How do high-earners end up with bad credit?😕

Bad credit can occur no matter how much you earn, and is typically due to bad money management. High earners can often become too reliant on credit, which can increase their debt-to-ratio income above the level lenders would accept.

💁Find out more information: https://rcfinancial.co.uk/bad-credit-mortgages/bad-credit-high-income/

𝗬𝗼𝘂𝗿 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗿 𝗮𝗻𝘆 𝗼𝘁𝗵𝗲𝗿 𝗱𝗲𝗯𝘁 𝘀𝗲𝗰𝘂𝗿𝗲𝗱 𝗼𝗻 𝗶𝘁.

Typically we charge a fee of no more than £395 for arranging your mortgage, however the actual fee will depend on your circumstances and may be less.

RC Financial may receive a small fee from Checkmyfile for any accounts opened.

16/11/2022

𝗪𝗶𝗹𝗹 𝗜 𝗻𝗲𝗲𝗱 𝗮 𝘀𝗽𝗲𝗰𝗶𝗮𝗹𝗶𝘀𝘁 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗹𝗲𝗻𝗱𝗲𝗿 𝗯𝗲𝗰𝗮𝘂𝘀𝗲 𝗼𝗳 𝗺𝘆 𝗜𝗩𝗔? 😕

More than likely yes, although it does depend how long ago the IVA was. If it’s current, absolutely, the longer it has been settled, more lenders will become available to you however, with even high street lenders potentially being available after 3 years.

📱Listen to our episode on this subject for more information https://rcfinancial.co.uk/bad-credit-mortgages/mortgages-with-an-iva/

𝗬𝗼𝘂𝗿 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗿 𝗮𝗻𝘆 𝗼𝘁𝗵𝗲𝗿 𝗱𝗲𝗯𝘁 𝘀𝗲𝗰𝘂𝗿𝗲𝗱 𝗼𝗻 𝗶𝘁.

Typically we charge a fee of no more than £395 for arranging your mortgage, however the actual fee will depend on your circumstances and may be less.

RC Financial may receive a small fee from Checkmyfile for any accounts opened.

09/11/2022

𝗖𝗮𝗻 𝗜 𝗴𝗲𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘄𝗶𝘁𝗵 𝗮𝗻 𝗜𝗩𝗔? 📂

Yes you can. There are a small number of lenders that will offer mortgages to those with current IVAs, however, there will be many more willing to lend once the IVA has been settled for at least 12 months.

🎙️To find out more, listen to our latest podcast https://rcfinancial.co.uk/bad-credit-mortgages/mortgages-with-an-iva/

𝗬𝗼𝘂𝗿 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗿 𝗮𝗻𝘆 𝗼𝘁𝗵𝗲𝗿 𝗱𝗲𝗯𝘁 𝘀𝗲𝗰𝘂𝗿𝗲𝗱 𝗼𝗻 𝗶𝘁.

Typically we charge a fee of no more than £395 for arranging your mortgage, however the actual fee will depend on your circumstances and may be less.

RC Financial may receive a small fee from Checkmyfile for any accounts opened.

Address

12 Cervantes Court Burgh Le Marsh Skegness Lincs Pe24 5HB
Skegness
PE252SG

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 5pm

Telephone

+447779023567

Website

https://rcfinancial.co.uk/

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