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.

The Power Team

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

07857 249 601

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

07884 495 350

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.

Property Tax Accountant

Arif Punjani BSc(Hons), DIPIFR, TEP, ATT, ACA

Chartered Accountant


0203 971 1234

arif@ourmortgagebroker.co.uk

Arif specialises in UK and offshore Property tax planning mainly for landlords, investors and developers; in addition to possessing niche into Tax Efficient Will drafting, power of attorney and Probate services. After acquiring double bachelor’s degree in accountancy, he went on to become member of three professional bodies. Arif possesses a diploma in International Financial Reporting Standards, which is reflected in his elite corporate consulting and advisory role. He also sits at ATT’s technical VAT sub-committee to share his knowledge.

Steve Perkins FFA FFTA FMAAT

Chartered Accountant


0203 971 1234

07886 489 552

steve@ourmortgagebroker.co.uk

Steve has 20 years’ experience in the accountancy profession, having previously worked in retail management for a FTSE 100 company. Steve is a fellow of the Federation of Tax Advisors, a fellow of the Institute of Financial Accountants, a fellow of the Association of Accounting Technicians and successfully passed all the qualifying examinations of the Association of Chartered Certified Accountants. Steve continues to provide extensive knowledge and support in budgeting and forecasting, specialist tax advice, corporation tax, year-end accounts, personal tax and VAT for his personal and SME clients.

Chartered Architect

Albert Ogunsanya RIBA

Chartered Architect


0203 971 1234

albert@ourmortgagebroker.co.uk

Albert the principal architect who takes personal interest and participates in all projects and all stages of each project irrespective of budget, bringing together analysis of the brief, spatial planning and detailing to produce the complete building.
Albert is a fully qualified ARB registered and RIBA Chartered Architect who has decades of experience in London and the south-east on prestigious residential projects mainly creating bespoke luxury homes and multi-unit residential developments achieving value for client’s investment. Albert provides a full range of professional architectural services including site appraisal and feasibility studies, outline and detailed design, statutory submission, preparation of specification and construction tendering, contract administration and site inspection.

Freddie Addo BA (hons), DipArch, ARB

Architect


0203 971 1234

freddie@ourmortgagebroker.co.uk

Freddie is an ARB qualified Architect with over 25 years’ experience in the construction industry and is also a Property Investor. Freddie’s experience in design and construction spans across all work stages from inception to completion and handover. Projects include, extensions and remodelling of dwellings, office to residential conversions, new build residential developments and mixed use developments ranging in build cost budgets from £50k to £100m in the south east of England. Services include planning feasibilities and site appraisals, statutory submissions, spatial design, detailed design, project management and contract administration. Freddie’s ethos is in working collaboratively to find creative, efficient and cost effective solutions to challenges encountered through all stages of design and development.

Property Conveyancer

Naveen Palram ACILEx

Conveyancing Consultant


0203 971 1234

07555 363 269

naveen@ourmortgagebroker.co.uk

Naveen is an associate Legal Executive and has over 10 years conveyancing experience dealing with all property matters. Naveen gained his experience in a large regional practice before moving to a smaller local practice recently. Naveen handles all aspects of residential and commercial property transactions. Naveen has experience in a wide range of matters including sales and purchases, re-mortgages, new build purchases, lease extensions, commercial leases. Naveen’s expertise includes business sales and purchases such as care homes, dental practices, restaurants and off-licences as well as bridging finance.
Naveen was highly commended as Young Conveyancer of the year 2016 by Law Firm Services.

Kuldip BhattiLLB, LLM

Principal Solicitor


0203 971 1234

07555 363 269

kuldip@ourmortgagebroker.co.uk

Kuldip is the founding partner of his own law firm having worked in the city for 4 years before moving to be a partner in a prominent commercial firm in Buckinghamshire for 8 years before opening his own practice. Kuldip has vast experience is all aspects of property law including commercial and residential property. Kuldip acts for overseas buyers and corporate entities buying and selling both residential and commercial units. Kuldip has also an expertise in Banking Law. He has acted in numerous corporate lending, re-structing and financing as well as joint venture and equity investments. Kuldip is also a Notary Public which is very useful with regards to documents that require notarisation.

Chartered Surveyor

Obi Chianumba MRICS

Chartered Surveyor


0203 971 1234

07904 668 934

obi@ourmortgagebroker.co.uk

Obi is a Chartered Surveyor with an array of skills and knowledge developed from a multi-disciplinary general practice and corporate real estate backgrounds. Obi has provided valuations of commercial and residential properties for over 10 years for various purposes including; Inheritance tax, capital gains tax, lease extensions, planning and development and pension funds including SIPPS and SSAS.

Later Life Lending

Greg May CeMAP, CeRER

Equity Release Specialist


0203 971 1234

07968 561 058

greg@ourmortgagebroker.co.uk

Greg has over 30 years’ experience working in the financial services industry. He started his career working in Barclays Bank as a mortgage broker for 10 years before becoming the financial services director at Romans Estate Agents.Greg has been accredited with CeMAP, CeRER and the Financial Planning Certificate. Greg is now the Independent Equity Release Specialist; he advises and arranges equity release lifetime mortgages and home reversion plans for clients.

Planning Consultant

Emily Temple MSc MRTPI

Planning Consultant


0203 971 1234

01344 508 048

emily@ourmortgagebroker.co.uk

Emily has 15 years’ experience in planning gained in both Local Authorities and a national multi-disciplinary planning consultancy. Emily’s expertise includes strategic planning advice, development control practice and law enforcement, planning contravention notices, lawfulness planning applications for; complex residential and commercial proposals, mixed use, education planning appeals, including expert witness at public inquiries.

Party Wall Surveyor

Dil Gujral BA (Hons) MFPWS

Chief Party Wall Surveyor


0203 971 1234

07730 029 877

dily@ourmortgagebroker.co.uk

Dil is the Chief Party Wall Surveyor at 1996 Party Wall Ltd. Since 2010, Dil continues to support and advise a large amount property owners and property developers ensuring they are comply with the party wall act.

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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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