What We Do
Buying a property is often cited as one of life’s main stresses. As an independent mortgage advisor we aim to minimise that by analysing fully the considerable number of options available to you and tailoring a solution to your exact requirements.
We have delivered countless successful outcomes over many years for the employed, self-employed, first time buyers or those heading into retirement. We are also specialists in supporting self-build and commercial projects, as well as those looking for buy to let purchases or seeking re-mortgaging and equity release options from existing property holdings.
Mortgage management is what we do.
Unlike many others our service does not stop here. We proactively contact our clients prior to the expiry of their mortgage products with a view to identifying savings that could be made by replacing them. This ‘ongoing’ service forms the basis of what we see as a long term partnership. Our reputation for excellence in the mortgage market is built on delivering a five star service fully focused on personal quality and customer care. We are proud of our reputation and the support and solutions we have delivered in a variety of circumstances.
In what is such an important life event we fully believe you deserve nothing less.
Here are the mortgage services we provide:
* First time buyer purchase
* Next time movers
* Re-mortgages
* Buy to lets
* Self build/Commercial mortgages
* Lifetime & Retirement Equity release
Case Study - Ex Partner with Existing Mortgage
Ex Partner with Existing Mortgage A client approached us to see if we could help after fearing the worst. This couple had been saving for over 3 years for their deposit and had reserved a plot for their dream home.
They had received a call to finalise this reservation but unfortunately, an ex partner had not cleared an existing mortgage on a previous property. Panicking they thought that they would have to give this property up as well. Making matters worst, one client was furloughed with no ability to earn due to the nature of her job.
We looked at their income and expenditure and using all income streams from Mr, we managed to secure a mortgage for £177,000 at 85% loan to value on the property, without having to include Mrs’ income. They will be able to reclaim the additional dwelling tax payment once the sale has gone through of the ex partners property as long as this is done within the next 18 months.
Two very happy and delighted clients.
Case Study - Freeing up cash with a Let to Buy mortgage
A young couple desperate for more space, came to see us, they owned their home and another Holiday Let property but had no free cash for the deposit. Mr was a contractor and Mrs was a homemaker.
Using all the properties as security, we managed to release funds from the Holiday let property, on a new Holiday Let mortgage, Raise money from their existing home that they were keen to retain and rent out, using a very competitive
Let to buy mortgage and finally secure a residential mortgage for their main residence. In doing this we were able to balance the debt through three properties to make it not only tax efficient but also very affordable, as the investment properties we able to cover most of the residential costs.
Who We Are
Alison Mitchell MAQ
I started out as an underwriter for Sunlife in 1991 before joining Robmac in 2004 heading up the Mortgage Management team. I was made director in 2020, and have recently ventured out launching Robmac Mortgages in 2022, offering the same high service standards for all new and existing client relationships and professional connections. Away from work I Enjoy running ,keeping fit and looking after the family.