Raymond & Thomas Ltd

At Raymond & Thomas Ltd, I focus on demystifying the mortgage process for clients in Cheltenham and the surrounding areas. I understand that securing a mortgage can feel overwhelming, so I aim to provide clarity and guidance every step of the way. My approach begins with a thorough assessment of your financial situation and homeownership goals. Whether you are a first-time buyer, looking to remortgage, or seeking to invest in property, I take the time to understand your unique circumstances. My expertise spans a wide range of mortgage products, including residential, buy-to-let, and specialist lending options. Navigating the various lenders and their requirements can be daunting. I leverage my in-depth knowledge of the mortgage market to help identify the right products for your needs. My extensive network of lenders allows me to access a broad spectrum of options that may not be available through standard channels. This means I can often find solutions that align with your financial objectives and risk appetite. Once we have identified suitable mortgage products, I guide you through the application process, ensuring that all necessary documentation is in order and submitted promptly. I pride myself on being proactive, anticipating potential hurdles, and addressing them before they become issues. My goal is to streamline the process so that you can focus on what matters most—your new home. I also specialise in helping clients with complex financial situations, such as those who are self-employed or have unusual income sources. I understand that these scenarios require a nuanced approach, and I am well-versed in navigating the specific requirements of lenders in these cases. Communication is key to a successful mortgage journey. I keep clients informed at every stage, ensuring you are aware of progress and any actions required on your part.