Business Details
11 Years
experience
Expert Mortgage Brokers in Urmston, Manchester
RLV Mortgages is a family-run business based in Urmston, Manchester, offering nationwide mortgage advice and protection services. With 23 years of industry experience, we specialise in tailoring mortgage solutions to individual circumstances, ensuring clients secure the right deals through our extensive lender network. Our services include mortgage arrangement, life and income protection, critical illness cover, and landlord insurance, all delivered with a commitment to transparency and client satisfaction.We operate under the Financial Conduct Authority's regulation and maintain partnerships with Stonebridge Mortgage Solutions Ltd. Our fee structure is success-based, with no charge if we fail to complete a mortgage application, reflecting our confidence in delivering reliable, client-focused outcomes.
Services
Mortgage Advice
Life Insurance
Critical Illness Cover
Income Protection
Landlord Insurance
Details
- Year established: 2015
Highlights and features
- 23 years of industry experience in mortgage advisory services
- Free initial advice with a success-based fee structure
- Access to exclusive mortgage deals unavailable on comparison sites
- Personalised protection solutions tailored to individual circumstances
- FCA-authorised and regulated for client security and compliance
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
RLV Mortgages provides tailored mortgage advisory services for first-time buyers, remortgagors, and buy-to-let investors. We assess individual circumstances to secure competitive deals through our lender network, including exclusive offers unavailable on comparison sites. Our FCA-regulated process ensures transparent, client-focused outcomes with a success-based fee structure.
Life Insurance
We offer bespoke life insurance policies to protect families financially in the event of death. Coverage options include lump sum or monthly payments, tailored to individual needs and budgets. Our advisors ensure policies align with client circumstances, providing peace of mind through comprehensive financial protection.
Critical Illness Cover
Critical illness cover provides a lump sum upon diagnosis of specified conditions. RLV Mortgages helps clients select appropriate coverage based on health history and financial obligations. Policies are designed to complement mortgage and income protection strategies, ensuring financial stability during challenging times.
Income Protection
Our income protection policies replace a portion of earnings if illness or injury prevents work. Coverage includes accident, sickness, and unemployment options, with flexible deferred periods. We tailor policies to client occupations and financial commitments, ensuring continuity of mortgage payments and living expenses.
Landlord Insurance
Landlord insurance protects rental properties against risks including fire, flood, and legal disputes. RLV Mortgages provides comprehensive policies covering property damage, loss of rent, and liability claims. Coverage is integrated with buy-to-let mortgage arrangements, ensuring landlords maintain financial security.
People
Lisa Tonge
Co-Owner
Lisa Tonge co-founded RLV Mortgages with a commitment to exceptional customer service. With 23 years of industry experience, she ensures clients receive tailored mortgage and protection solutions.
Paul Tonge
Co-Owner
Paul Tonge co-leads RLV Mortgages, leveraging his expertise to deliver mortgage solutions. He prioritises client needs, ensuring transparent advice and successful outcomes aligned with individual circumstances.
Questions
What fees does RLV Mortgages charge for arranging a mortgage?
We charge £350 for standard mortgage arrangements, increasing to £499 for complex cases involving adverse credit or shared ownership. No fee is charged if the application fails.
Do you offer both residential and buy-to-let mortgage advice?
Yes, we provide tailored advice for first-time buyers, homeowners remortgaging, and buy-to-let landlords, including access to exclusive lender deals unavailable elsewhere.
What protection insurance options are available?
We offer life insurance, critical illness cover, income protection, and mortgage payment protection. Policies are customised to individual needs and financial circumstances.
Are your services regulated?
Yes, RLV Mortgages is authorised and regulated by the Financial Conduct Authority, ensuring compliance with industry standards and client protection.
Can you assist with insurance requirements for mortgage approval?
We ensure clients meet lenders' insurance requirements, including buildings insurance for residential mortgages and landlord insurance for buy-to-let properties.
