Business Details
26 Years
experience
Expert Mortgage Brokers in Urmston
RLV Mortgages is a family-run business based in Urmston, Manchester, with 23 years of experience in the mortgage industry. Founded by Lisa and Paul Tonge, the company prioritises personalised service, offering tailored mortgage advice and protection solutions to clients nationally. Our expertise spans mortgage arrangement, life assurance, income protection, and critical illness cover, with a commitment to transparency and client satisfaction. We operate under strict regulatory oversight by the Financial Conduct Authority, ensuring compliance with industry standards.Our fee structure is clear, with a 350 standard charge for mortgage arrangement, and we guarantee no fee if we cannot secure a mortgage completion (subject to third-party terms). By combining industry knowledge with a client-centric approach, we aim to simplify the mortgage process and provide financial security for families.
Services
Mortgage advice
Life assurance
Income protection
Critical illness cover
Building insurance
Landlord insurance
Details
- Year established: 2000
Highlights and features
- We offer 23 years of dedicated mortgage industry experience.
- Free initial advice with no fee if we fail to secure your mortgage.
- Personalised mortgage and protection solutions tailored to your circumstances.
- Regulated by the Financial Conduct Authority for compliance and trust.
- Exclusive access to mortgage deals unavailable through comparison sites.
Associations and certifications
- Financial Conduct Authority
What people say
Transparent fee structure
Expert mortgage guidance
Personalised solutions
Regulatory compliance
Family-focused approach
Services
Mortgage advice
RLV Mortgages provides tailored mortgage advice for first-time buyers, remortgagers, and buy-to-let landlords. We access exclusive deals and lenders to secure competitive rates. Our service includes application support from start to completion, ensuring clarity and reducing risks of property loss.
Life assurance
We offer life assurance policies that provide a lump sum or monthly payments upon the policyholder's death. These policies protect families financially, ensuring mortgage repayments and living costs are covered. Our advisors tailor solutions to individual needs and budgets.
Income protection
Income protection insurance ensures regular payments if you cannot work due to illness or accident. RLV Mortgages helps clients select policies aligned with their occupation and financial circumstances. Coverage starts after a 30-day deferred period, with costs based on individual risk factors.
Critical illness cover
Critical illness cover provides a lump sum for diagnosed conditions like cancer or heart disease. We guide clients through policy options, ensuring coverage matches their health profile and mortgage obligations. Policies are designed to alleviate financial stress during recovery.
Building insurance
Building insurance protects against structural damage from fire, flood, or accidents. As part of mortgage services, we secure policies tailored to property type and client needs. Coverage includes repairs and legal disputes, ensuring compliance with lender requirements.
People
Lisa Tonge
Co-Founder
Lisa Tonge co-founded RLV Mortgages with a focus on client care and mortgage expertise. With over 23 years in the industry, she ensures transparent advice and regulatory compliance. Lisa prioritises family values in business operations.
Paul Tonge
Co-Founder
Paul Tonge brings extensive mortgage experience to RLV Mortgages. He specialises in securing competitive deals and protection policies. Pauls client-first approach ensures tailored solutions for long-term financial security.
Questions
What mortgage services does RLV Mortgages offer?
We provide advice for first-time buyers, remortgaging, buy-to-let mortgages, and access to exclusive deals unavailable on comparison sites.
How much does RLV Mortgages charge for their services?
Our standard fee is £350, rising to £499 for complex cases like adverse credit or shared ownership arrangements.
Are RLV Mortgages regulated by any official body?
Yes, we are authorised and regulated by the Financial Conduct Authority under reference number 739543.
What protection insurance options are available?
We offer life assurance, income protection, critical illness cover, and mortgage payment protection tailored to your circumstances.
Do you provide insurance for landlords?
Yes, we include landlord insurance covering property damage, unpaid rent, and legal disputes as part of buy-to-let mortgage packages.
What happens if my mortgage application fails?
If we cannot secure your mortgage completion (subject to third-party terms), we do not charge a fee.
