Mortgage Broker Rugby

If you’re looking to move to the Rugby area or your mortgage is coming up for renewal, get in touch with the team at HRFS.

Mortgage Advisers Rugby

Finding the right mortgage in a town like Rugby is about much more than chasing the lowest headline rate you can find on a comparison site. A good mortgage broker in Rugby starts with the bigger picture, looking at your income, your deposit, your credit history, your monthly outgoings and your long-term plans before pointing you towards any specific lender. That broader view matters because lenders take very different approaches to things like self-employed income, contract work, bonus-heavy salaries, recent credit blips and lending into retirement. A deal that looks fantastic on paper can be impossible to actually get if your circumstances do not match a particular lender’s criteria, and the reverse is also true, in that some of the most useful products come from lenders who never appear on the high street at all. At HRFS we work with first-time buyers, home movers, those remortgaging and buy-to-let landlords across Rugby and the surrounding villages. We compare products from a wide panel of high-street and specialist lenders, package each application carefully so it reaches the underwriter ready for a swift decision, and stay involved right through to completion. The aim is to take the stress out of what is, for most people, the largest single financial decision they ever make.

See What Rugby Residents Say About Us

      EXCELLENT  
   Based on 119 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Teigan Swinford 
 August 11, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Manny has been amazing helping us with buying our first home! He's helped us to understand certain things we may not have known before and has helped us so much along the way!
  
 
      Posted on Google  
   
   Carlos Holmes 
 July 23, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Absolutely incredible service. Roshan answered the phone any time of day or night and never procrastinated on a task that needed doing. Almost everything was done same day and he kept the process as easy as possible. Cannot rate highly enough. Many thanks
  
 
      Posted on Google  
   
   Gurvinder Pooni 
 May 22, 2026
 
 
 Trustindex verifies that the original source of the review is Google. I would like to express my sincere appreciation and gratitude to HR Financial Services for their outstanding support, dedication, and expert advice throughout my mortgage process. From start to finish, Roshan went above and beyond to ensure we secured a mortgage product perfectly tailored to our needs and long-term goals.
Communication was impeccable, clear, consistent, and always reassuring. The level of care, consideration, and patience we received was truly first class.
Because of our work commitments, attending daytime appointments can be difficult. Roshan immediately accommodated this by arranging our first meeting outside normal working hours, something we genuinely valued. He never rushed us, took time to explain everything in detail, and left us feeling completely confident that HRFS had our best interests at heart.
Both Roshan and Emma exceeded all expectations. They worked with incredible efficiency and were able to secure us a mortgage offer far quicker than we ever imagined.
While I won’t go into the specifics of my circumstances, Roshan not only met every requirement, I can honestly say he exceeded them. He removed all the stress from what can be a complex and overwhelming process, making everything feel straightforward and manageable.
We cannot thank Roshan enough and would not hesitate for a second to return to HRFS for any future mortgage advice. Highly recommended.
  
 
      Posted on Google  
   
   Sun Seh 
 May 20, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Spoke to Roshan from HR in terms of wanting to source a mortgage for the purchase of my first home with my partner. Roshan was extremely knowledgable on the process, timelines and communicated excellently. Myself and my partner secured the best mortgage for ourselves from the offers available which were all broken down in detail. End to end we secured a mortgage, purchased a property and moved in within 4 months with the help of Roshan and HR FINANCIAL SERVICES.
  
 
      Posted on Google  
   
   Qasim Hussain 
 May 18, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Big thanks to roshan with the help of buying my first home. Top service from start to finish always kept me updated! Highly recommended!
  
 
      Posted on Google  
   
   sajjad hussain 
 May 18, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service provide by roshan to help me buy My first home in 2018 with alot of advice in every step and helping with any question that I did not understand very professional and so I again used roshan to help me with my remortgage to landlord  now in 2022 100% reconmmed to anyone  roshan excellent communication you can all him any time like a brother not your typical now help me to buy second property may 2026
  
 
      Posted on Google  
   
   M Dolinska 
 March 31, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very helpful and brilliant with enquirers. Always look for best possible opportunities to help their clients. Helped me to get a property I thought was impossible. Definitely recommend 👍
  
 
      Posted on Google  
   
   Chris Kelly 
 March 17, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Really positive experience with Roshan on a complex purchase. The service was brilliant from start to finish

Impartial Mortgage Brokers

Working with an experienced mortgage adviser in Rugby gives you several advantages that going direct to a lender does not. The most obvious is access. Whole-of-market advisers can see products that are never advertised to the public. The next is genuine impartiality. We are not paid more for placing you with one bank over another so the recommendation is shaped by what fits your situation, not by who is running a sales push. Third, and arguably most valuable, is time and stress saved. We handle the lender discussions, anticipate the questions underwriters will ask, prepare the supporting documents, chase the survey and liaise with your solicitor where helpful, so you can carry on with your life rather than living in your inbox. We also explain the bits that often catch people out, such as the difference between repayment and interest-only, the real cost of product fees, how early repayment charges work, when a tracker may beat a fixed rate and how protection should sit alongside your borrowing. Whether you are stepping onto the property ladder, climbing it, releasing equity or refinancing an existing deal, our local knowledge of the Rugby market combined with access to the wider UK lending market puts you in a genuinely strong position.

Experts In Mortgages & Insurance

100

Over £100 million in lending arrangements for landlords and investors

100

We’ve helped hundreds of individuals and businesses with their mortgages

Over 30 years of combined mortgage and insurance experience.