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Tag: mortgage

Buy to Let Mortgages: What You Need to Know in 2026 

Buy to Let Mortgages: What You Need to Know in 2026

A Buy to Let (BTL) mortgage is designed for people who want to purchase a property with the intention of renting it out. When you take out a Buy to Let mortgage, you become the landlord, and the people living in the property become your tenants. You can manage the property yourself or use a letting agent […]

Shared Ownership Mortgages 

Shared Ownership

This guide explains the basics of the Shared Ownership scheme and how the mortgage element works. We can advise on the mortgage only — we cannot assess whether the scheme itself is suitable for you.  What is Shared Ownership?  Shared Ownership is a government-backed scheme that allows you to buy a percentage of a property […]

Mortgage Capacity Service 

Mortgage Capacity Service

Clear, supportive guidance when you need to understand your borrowing power during separation or divorce.   What Is a Mortgage Capacity Report?  A Mortgage Capacity Report (sometimes called a Mortgage Capacity Assessment) outlines how much you may be able to borrow based on your income, commitments, and financial circumstances. Itis often required during divorce proceedings, mediation, or financial negotiations, helping […]

How to Choose the Right Mortgage Adviser: 5 Key Things to Look For 

How to Choose the Right Mortgage Adviser: 5 Key Things to Look For

Choosing a mortgage adviser is a big decision — after all, they’ll be guiding you through one of the most important financial commitments of your life. But with so many options out there, how do you know who to trust?  Here are five essential things to consider when appointing a mortgage adviser:  1. Do They […]

The Benefits of Using a Mortgage Broker 

When it comes to securing a mortgage, the process can feel overwhelming—especially with so many lenders, rates, and options available. That’s where a mortgage broker can make all the difference.  Here are the key benefits of using a mortgage broker to guide you through the journey:  1. Expert Guidance Every Step of the Way  Mortgage […]

Retirement Interest-Only Mortgages: A Flexible Option for Later Life Lending

Retirement Interest-Only Mortgages. As we approach or enter retirement, financial priorities often shift. For many, a Retirement Interest-Only (RIO) mortgage can offer a practical and flexible way to access funds while retaining ownership of their home.  What Is a Retirement Interest-Only Mortgage?  A RIO mortgage is designed specifically for individuals in or nearing retirement who […]

Offset Mortgages In Focus  

This blog focusses on a less common mortgage type that can be beneficial to some people.  The product is aimed at those that have high savings levels and the ability to save regularly from surplus income.   A savings account called an Offset Saver Account is set up alongside your mortgage.  The money held in the […]

Understanding Mortgage Terminology  

Navigating the world of mortgages can feel like learning a new language. But fear not! We’ve got you covered with this handy glossary to help you understand the key terms.  Loan to Value (LTV)  Loan to Value, often abbreviated as LTV, is a measure of the amount you need to borrow compared to the value […]

Mortgage Product Types  

There are different product types to consider when taking out a mortgage. Which product we recommend will depend on your individual circumstances. This blog explains each product type in detail.  Fixed Rate of Interest (Provides certainty):   This product has a fixed interest rate for a pre-set period of time. You can fix the interest rate […]

Client testimonials

See what our clients have to say about us! Use the arrows to navigate through our testimonials.

Mr Sealey, Leicestershire

I have been using them for years and they make dealing with mortgages so simple and easy. Very friendly, transparent and great value as they will advise existing customers for free.

Mr F, Warwick

Caroline has worked with me for many years arranging mortgages, insurances, and also helping with some fantastic referrals in the property industry. Caroline is and always has been exceptional in my opinion. I highly respect her unflappable style, and no matter what pressure I apply, she will not be rushed in ensuring all i’s are dotted and all t’s are crossed before she gives the very best advice.

Mr N, Leicestershire

Caroline was a huge help during our journey as first time buyers. She was always on the other end of the phone when needed. Couldn’t recommend her enough.

Mr Curtis, Leicestershire

We have used One Roof for our mortgage and subsequent remortgages for over 10 years, and can highly recommend the team. Friendly and approachable, but also professional and across the detail.

Anom

Is there anything we can improve? No service is first class!!!

Tammy B, Leicestershire

What are you particularly pleased with? The advisers knowledge and efficiency is second to none.

Mr Cook, Coventry

Fantastic Service from Caroline at One Roof, super helpful, hardworking and knowledgeable, would highly recommend One Roof Financial to anyone, Caroline’s advice and work not only eliminated any stress but also saved us a considerable amount of money

Mr Dunkley, Leics

What are you particularly pleased with? Caroline’s quick response and professionalism

Mrs H, Burbage

What were you most impressed with? The human aspect . When so many people are only contactable via email. To have a person to talk to is amazing.

Mr Cook, Coventry

Communication has been fantastic, Caroline is very helpful in answering any questions quickly and honestly.

Sam S, Leics

What are you particularly pleased with? Caroline’s commitment to me as a client and her attention to detail is second-to-none.

L C Guildford

We highly recommend Caroline and the team to anyone in need of mortgage/insurance advice, and feel very grateful to have been looked after so well during our house buying journey. We know that we are in very safe hands moving forward.

C L Surrey

Communication was excellent throughout the process, with Caroline providing regular updates to keep us informed every step of the way. Her professionalism and approachable manner made what was a stressful process for first time buyers feel smooth and straightforward.

L C Guildford

We had a fantastic experience working with Caroline and the team at One Roof Financial for our mortgage and insurance. From start to finish, Caroline was attentive, friendly, and incredibly knowledgeable. She took the time to explain everything clearly, ensuring we fully understood our options and felt confident in our decisions.

A & J, Burbage

Thank you so much for your support with our mortgage. As always, you are a super star!

C W, Hinckley

10 stars for Caroline. She helped us every step of the way with purchasing our first house. She gave us all the information we needed, explained everything to us in layman terms so we understood. Answered all of the questions we have and made everything much easier! We would have been so lost without Caroline and we cannot thank her enough for all the hard work, help and support she gave us! Thank you!

FBW, London

Caroline was great from start to finish. Professional, knowledgeable and very timely with responses and getting all the paperwork sorted – not only for the mortgage, but life insurance, critical illness and all the other things that come with buying a house! I have already recommended her to friends who are looking to move in the new year.

NI, Hinckley

Caroline was great and guided me through the whole process of my remortgage and life insurance. I would highly recommend 100%.

Miss G, Nuneaton

Amazing communication and easy to talk to. Took into consideration my budget and kept me up to date with the process throughout.

IS, Hinckley

We have used Caroline for many years as we find her to be very professional. She is very helpful and informative which makes the whole mortgage selection and choosing the correct related services stress free. We recommend One Roof Financial 100%

Matt K, Hinckley

Service and advice is always top notch!

S Green, Leicestershire

Caroline is great and explained the whole process really clearly. It was great having her there to sort things for me as my application wasn’t completely mainstream due to my senior years and I’m so happy and thankful to be in my own place again. Thank you so much :)

C Kirton, Warwickshire

Caroline has been clear, considerate, and extremely helpful every step of the way. Her expertise and professionalism have been second to none and have made my partner and I feel very comfortable from day 1.

Miss Dilkes, Leicester

The overall process was very easy. Caroline explained everything to us and went through every detail regarding getting a mortgage etc. highly recommend.

SG, Leicester

Caroline is extremely efficient and knowledgeable and I feel completely confident that I’ve got the right product for my circumstances. Caroline has been great throughout the whole process so far.

SJ, Leicestershire

Caroline is very friendly and professional, very efficient too. She offered great advice and explained everything clearly.

HG, Warwickshire

Absolutely amazing! I first signed up to one roof about 18 months ago after struggling to find a mortgage with high street lenders. The amount of support and guidance I was given was second to none. Thank you so much Caroline!

TA, Leicestershire

We have been really happy with the help, advise and support we have received from Caroline of One Roof Financial, she is very knowledgeable and kept us informed all the way through our mortgage process. We would definitely recommend to friends and family.

RO, Hampshire

Fantastic service with clear guidance and communication throughout our remortgage process, specifically when the mortgage rates dropped twice within 2 months, One Roof Financial contacted us promptly with a new product reflecting the new price, which saved us money! I would definitely recommend One Roof Financial to friends and family.

SH, Broughton Astley

I’ve been using Caroline since I bought my first house in 2014 and honestly wouldn’t go anywhere else. Apart from being just a lovely person through and through, she’s very knowledgeable and helpful in all aspects of the process. Mortgages or insurances. I’m always kept up to date and even reminded about things I forget!