Our Team

Specialists, hired in key areas that work synergistically with each other.

Each member plays an integral role in our vision to deliver the very best client experience possible.

Akhil Mair CeMAP

Managing Director


0203 971 1234

07957 146 343

akhil@ourmortgagebroker.co.uk

Akhil is the managing director at Our Mortgage Broker Ltd. Akhil has extensive experience in UK banking, corporate finance and residential and commercial mortgages since 2002.

Dinesh Kumar Cii STEP

Chartered Financial Planner


0203 971 1234

07950 555 227

dinesh@ourmortgagebroker.co.uk

Dinesh has over 27 years of experience in advising clients in financial planning. His specialisms include advising and structuring investments such as mutual funds, stocks, shares and bonds and expertly advises on personal and company pensions, ISA’s, SIPP, SSAS, frozen and AVC. He has a diploma from STEP (Society of Trust and Estate Practitioners) and is uniquely qualified to provide advice and set up Wills, secret Trusts, Powers of Attorney, Probate and inheritance tax planning.

Mitesh Manek CeMAP

Mortgage and Protection Consultant


0203 971 1234

07956 227 136

mitesh@ourmortgagebroker.co.uk

Mitesh has various levels of experience in the financial industry since 2005. He was accredited with CeMAP in 2005 and holds a R05 certification. He started his career in the banking industry at HSBC as a mortgage adviser for 8 years before moving to St James Place network as a mortgage consultant. Mitesh has a vast amount of experience particularly in complex portfolio buy to let and residential mortgages.

Nick Mathews 

Land & Commercial Partner


0203 971 1234

07824 627 775

nick@ourmortgagebroker.co.uk

Nick supports and manages his high net worth clients and property developers to source Land with or without planning permission. Nick has a panel of property professionals who he regularly supports and works alongside for the benefit of the client including;  architects, planning consultants, construction directors, surveyors, estate agents, lawyers, lenders and developers.Nicks expertise comprises of sourcing value-add property deals for clients through planning gain, option agreements, joint venture with landowners and straight sale agreements.

Ranjit Chaggar

Business Development Manager


0203 971 1234

07908 852 835

ranjit@ourmortgagebroker.co.uk

Ranjit is a living proof of a property enthusiast, you will find Ranjit at every major property networking event and property auction house all across the UK. Ranjit is widely known in the property industry as the “connector” with a great personality and well experienced property investor since 1990.

Saira Taggar BA (Hons), CeMAP, CISI 

Bridging and Development Finance Consultant


0203 971 1234

saira@ourmortgagebroker.co.uk

Saira qualified with an honours degree in business and management from Coventry University. She then went on to gain further professional financial qualifications to work in the international market as a qualified wealth manager. She has gained vast experience in short term finance which includes structured over £14M in bridging and development finance. Saira has worked with market leading and bespoke property finance lenders for over 10 years developing key relationships with industry leaders. The unregulated market is ever expanding and continuing to become a key resource for seasoned investors. Saira remains completely focused on providing speed, high quality service and immaculate attention to detail in all our deals. Saira plays a key role in our business and continues to help structure and find the most suited lender to support you in your property investing journey.

Soniya Mann CeMAP 

Business Development Manager


0203 971 1234

07956 227 136

soniya@ourmortgagebroker.co.uk

Soniya is an insightful communicator who thinks outside the box to find solutions, overcome obstacles and adds value. Soniya gains immense satisfaction from identifying, winning and developing new business to support achievement of ambitious growth targets. Soniya continues to enjoy a varied and consistently successful career, contributing to delivering service excellence and building company reputation and client loyalty in the diverse, intensely competitive Finance, Aviation and Housing markets. Soniya obtained the CeMAP mortgage advice qualification in 2016.

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Getting a mortgage FAQs

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What is a Mortgage?

A mortgage is a loan from a bank or building society that enables you to purchase property. The loan is repaid with interest over a number of years, with the term for doing this dependent on your personal financial circumstances.

A mortgage can be held by an individual or jointly between one or more people, but if you do not keep up your repayments, your home could be repossessed by the lender.

Will i be accepted for a Mortgage?

All mortgage lenders have their own criteria. The following factors all play a part in determining their mortgage offer and how much they are willing to lend to you:

  • Amount you wish to borrow
  • Size of your deposit
  • Employment status and income
  • Credit rating
  • Outgoings
  • Existing debt
  • Your age
  • Length of the mortgage term
  • Your credit status
  • If you are applying solely or jointly

In order to be accepted, you need to convince lenders that you are able to repay your mortgage. To do this, lenders typically use your credit report to check your repayment history. Your credit file will contain current and existing records on items such as credit cards, loans, overdrafts, mortgages, mobile phone/s, some utilities payments and all accounts opened in the past six years. If you have had arrears, defaults, CCJs, debt management plans or previously been made bankrupt, there are mortgage options available which we can help you with.

How does the Mortgage application process work?

To get a mortgage, you will need to save a deposit of at least 5%. However, the more you can save, the better your rate will usually be. If you already own your own home, you can use the equity in your property for this. Our expert mortgage advisors can talk you through the benefits and the difference in your monthly payments by increasing your deposit.

 Once you have found the property you want to buy, our mortgage brokers will assess your personal needs and circumstances and recommend a mortgage product that is right for you. They will compare hundreds of mortgage quotes, including a number of exclusive products that cannot be found on the high street or comparison sites, and ensure that you get the right deal at a great price.

 If you are happy with the mortgage product your advisor recommends, you will then receive an Agreement in Principle (AIP). This will give you an approximate sum of how much the lender is willing to let you borrow, and enable you to put an offer in on your dream home.

 If your offer is accepted, you will need to appoint a solicitor to handle searches, surveys and contracts, which we can arrange for you. We handle the entire mortgage application process through to completion, liaising with your solicitor and lender to ensure that your application is a success.

 If you are looking to remortgage, then we recommend looking for a new mortgage deal around 3 months before your current deal expires. Starting early will give you plenty of time to compare all the available mortgage products and submit your application. If your mortgage is approved early there’s no need to panic, as we will ensure that the completion date corresponds with your current deal’s end date.

How much can I afford to borrow?

Most mortgage lenders will lend you up to five times your salary. However, this is dependent on a number of factors including your age, number of dependants and current financial commitments. Lenders generally work out how much they will lend you based on what you can realistically afford each month after you have paid your bills, credit cards, loans etc.

Our Mortgage Broker can help you understand how much you can realistically borrow before an application or credit search is completed, by assessing your individual needs and circumstances. If you choose to proceed with an application, then our advisers will know which mortgage lenders to approach to ensure you get the required loan amount.

How much deposit will I need?

To buy a home with a mortgage, you will need to save a deposit of at least 5%. The more you can save, the better your mortgage rate will be. There are a few exceptions to this however as follows: 

  • If you already own a home, you can use the equity from your property for the deposit
  • If you are a council tenant and are looking to buy your current home under the Right to Buy scheme, most mortgage lenders will now accept your Right to Buy discount as a deposit.

With property prices increasing, first time buyers are struggling to save enough money to buy a home. The government has therefore introduced ‘Help to Buy’ to enable first time buyers to get on the property ladder.

Our professional mortgage advisors are experts on all the various mortgage deals available and can help you decide which mortgage deal best fits your needs

Can i get a mortgage with bad credit?

If you have a history of bad credit including; arrears, defaults, county court judgements (CCJs), debt management plans or bankruptcy, there are still mortgage options available. Your choice of mortgage lender and type of mortgage will however be limited, and the rate of interest will be higher than someone who has a good credit rating.

Our expert mortgage brokers are in regular contact with adverse mortgage lenders and are well placed to advise you on all your available options.

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