Ross Almond
16 Feb 2026I used Dave to purchase my first house, explained everything so clearly and went above and beyond. Highly recommended
David Ruse Ltd (Mortgage Broker) is an FCA-regulated mortgage broker based in Cornwall, TR14 7SA, specialising in Buy-to-Let, First Time Buyers, Remortgages and 1 other areas. Rated 5/5 from 36 reviews.
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Meet our experienced team of mortgage professionals
Charlotte Harris
Mortgage Adviser
Daniel Evans
Protection Specialist
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Ross Almond
16 Feb 2026I used Dave to purchase my first house, explained everything so clearly and went above and beyond. Highly recommended
Chloe Neil
16 Jan 2026I knew nothing about mortgages going into this process and David was so helpful, kind and patient. He found me a good deal for my circumstances and even helped me by recommending a solicitor when I was quoted an obscene amount by another firm, saving me over £1500. I would recommend him to anyone and will continue to use his services in the future.
martin yelland
6 Jan 2026David is excellent, he's friendly and highly professional. An expert in his field. Would highly recommend. Cheers David
Louise Harvey
8 Mar 2024Dave has been amazing for all our mortgage needs for 7yrs. Dave is extremely helpful, efficient and friendly. Recommend to anyone in need of mortgage advice and wouldn't use anybody else.
Janet Walters
30 Aug 2023We have been doing business with Dave Ruse for almost 15 years, purchasing 3 houses. The service and communication has always been extremely efficient, and speedy, at times going to extraordinary lengths to satisfy our needs. He is a friendly chap, who values his clients and their needs on a personal basis. We would highly recommend Dave Ruse.
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Regulatory Status
Direct Authorisation
FCA Number
534042Get clarity on rates, affordability, and next steps in one quick conversation.
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UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.

Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.

Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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