Business Details
20 Years
experience
Trusted Mortgage Brokers in Ware
Established in 2006 by Steve Thorn and Jack Richardson, RTA Mortgage & Financial Services has built a reputation for delivering impartial, client-focused financial advice. With over two decades of combined industry experience, our team prioritises understanding individual client needs to provide tailored mortgage solutions and protection policies. We work closely with clients to navigate complex financial decisions, offering access to thousands of mortgage products from leading UK lenders while maintaining a commitment to transparency and long-term client relationships. Our services extend beyond mortgages to include life assurance, critical illness cover, income protection, and specialist insurance solutions.As a regulated firm, we adhere to rigorous professional standards, ensuring clients receive reliable advice aligned with their unique circumstances. Our approach combines local expertise with national market knowledge, enabling us to support clients through every stage of their property and financial planning journey. We operate with flexibility, offering consultations at convenient times and locations to accommodate client preferences.
Services
Mortgage Advice
Protection Policies
Life Assurance
Critical Illness Cover
Income Protection
Business Protection
Home Insurance
Landlords Insurance
Trusts
Mortgage Finder
Details
- Year established: 2006
Highlights and features
- We offer impartial mortgage advice from FCA-regulated professionals
- Our team has over 20 years combined experience in mortgage brokering
- We provide access to thousands of mortgage products from UK lenders
- We specialise in tailored protection policies for individual needs
- Our client-focused approach prioritises long-term financial planning
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
We provide impartial mortgage advice tailored to individual circumstances. Our FCA-regulated brokers help clients access thousands of mortgage products from leading UK lenders. With expertise in first-time purchases, remortgaging, buy-to-let, and commercial mortgages, we deliver solutions that align with clients' financial goals and lending criteria.
Life Assurance
Our life assurance policies provide financial protection for dependents in the event of death. We offer term insurance solutions that can cover mortgages, loans, or provide income replacement. Policies are designed to offer tax-free lump sums that beneficiaries can use flexibly to maintain financial stability during difficult times.
Critical Illness Cover
This service provides lump sum payouts upon diagnosis of specified critical illnesses. We help clients arrange coverage for conditions like cancer, heart attacks, and strokes. The funds can be used to repay debts, cover medical expenses, or support lifestyle adjustments during recovery periods.
Income Protection
We offer income protection plans that replace earnings during prolonged illness or disability. These policies provide regular payments until clients can return to work or reach retirement age. Our solutions help maintain financial stability when unexpected health issues disrupt employment.
Trusts
Our trust services help clients manage asset distribution and inheritance planning. We explain different trust structures and their tax implications, assisting with arrangements that protect assets while ensuring beneficiaries receive intended financial support according to specified terms.
People
Steve Thorn
Founder
Co-founder with over 20 years' experience in mortgage brokering. Specialises in connecting clients with suitable mortgage products while maintaining a client-centric approach to financial planning.
Jack Richardson
Founder
Co-founder possessing extensive mortgage industry expertise. Focuses on building long-term client relationships and ensuring access to competitive mortgage solutions from leading UK lenders.
Questions
What mortgage services do you offer?
We provide comprehensive mortgage advice including first-time purchases, remortgaging, buy-to-let, and commercial mortgages through our FCA-regulated brokers.
Are you regulated by financial authorities?
Yes, we are directly authorised and regulated by the Financial Conduct Authority (FCA Register No 596364) for mortgage and financial services.
Do you offer protection policies?
We provide life assurance, critical illness cover, income protection, and business protection policies tailored to individual and corporate client needs.
Can you help with insurance products?
We offer home insurance, landlords insurance, and specialist insurance solutions through our extensive network of insurers.
How do you charge for mortgage advice?
We provide no-obligation mortgage advice and help secure agreements in principle without upfront fees for our services.
Do you offer trust planning services?
We explain different trust structures and their implications, helping clients plan inheritance and asset distribution strategies.
