Business Details
12 Years
experience
Trusted Mortgage Brokers in London | Rose Capital Partners
Established in 2014, Rose Capital Partners operates with a clear purpose: to help clients achieve financial freedom by becoming mortgage-free as swiftly as possible. We prioritise understanding the interconnectedness of financial, physical, and mental health, recognising that financial stability underpins overall wellbeing. Our approach combines decades of industry experience with a commitment to long-term client relationships, ensuring tailored mortgage solutions that adapt to evolving needs. Specialising in complex casesfrom high-net-worth individuals to self-employed clientswe leverage extensive lender networks and innovative strategies to secure optimal mortgage terms.Our team's expertise in navigating regulatory frameworks, such as portfolio mortgages and limited company structures, demonstrates our authority in the field. Trust is built through transparency, with no hidden fees and a focus on educating clients about their financial choices. We measure success not just by securing mortgages, but by empowering clients to reduce debt sustainably and build lasting financial security.
Services
First Time Buyer Mortgages
Buy to Let Mortgages
Remortgaging
Self-Employed Mortgages
Portfolio Mortgages
High Net Worth Mortgages
Mortgage Protection
International Mortgages
Commercial Mortgages
Equity Release
Details
- Year established: 2014
Highlights and features
- We offer 8+ years' experience in complex mortgage cases
- Our team maintains exclusive lender relationships for competitive rates
- We provide tailored financial health assessments
- We guarantee transparent fee structures with no hidden costs
- Our advisers specialise in portfolio mortgage structuring
What people say
Expert mortgage guidance
Transparent fee structure
Long-term financial planning
Access to exclusive deals
Personalised service approach
Services
First Time Buyer Mortgages
Tailored mortgage solutions for first-time property purchasers. We specialise in maximising borrowing potential while minimising repayments through access to exclusive deals. Our advisers guide clients through government schemes and deposit requirements, ensuring sustainable homeownership from the outset. Expertise includes 5% deposit options and income verification strategies for complex cases.
Buy to Let Mortgages
Comprehensive support for property investors. We facilitate portfolio mortgages for four+ properties and advise on limited company structures for tax efficiency. Our services include affordability assessments using interest cover ratios, lender selection for commercial and residential portfolios, and strategic remortgaging to optimise investment returns.
Remortgaging
Expert remortgaging services to reduce payments or release equity. We analyse market trends to identify optimal timing for rate switches, while considering early repayment charges. Our team specialises in remortgaging for home improvements, debt consolidation, and portfolio expansion, ensuring seamless transitions between lenders.
Self-Employed Mortgages
Specialist mortgages for non-traditional income structures. We work with lenders accepting bonus, commission, and trust income verification. Our advisers navigate complex affordability assessments for sole traders, limited company directors, and LLP partners, ensuring accurate representation of financial stability to secure competitive rates.
Mortgage Protection
Risk management solutions to safeguard mortgage commitments. We design bespoke protection plans covering life events, critical illness, and income disruption. Our services include trust arrangements for efficient fund distribution, income protection strategies aligned with employment status, and family-focused policies ensuring financial security during unforeseen circumstances.
People
Richard Campo
Founder & Mortgage Broker
With over 20 years in mortgage advisory, Richard established Rose Capital Partners in 2014 after senior roles at major firms. He specialises in complex mortgages for high-net-worth clients and property portfolios, maintaining direct relationships with specialist lenders to secure exclusive deals for clients.
Questions
What mortgage types do you specialise in?
We specialise in first-time buyer, buy-to-let, remortgage, self-employed, high-net-worth, and portfolio mortgages, along with specialist products for complex income structures.
How do you charge for mortgage advice?
Our standard advice fee is £495, charged only upon successful mortgage offer. We provide full cost transparency during initial consultations with no hidden fees.
Can you help with complex income mortgages?
Yes, we specialise in mortgages for self-employed individuals, contractors, limited company directors, and those with bonus, commission, or trust income sources.
Do you offer mortgage protection services?
Yes, we provide tailored mortgage protection plans including life cover, critical illness insurance, and income protection to safeguard against financial risks.
How do portfolio mortgages work?
Portfolio mortgages consolidate four+ mortgaged properties under a single floating charge. We advise on lender requirements, affordability calculations, and tax-efficient structures for property investors.
Can you assist international clients?
Yes, we work with UK expats and foreign nationals, offering tailored mortgage solutions that consider residency status, income verification requirements, and currency considerations.
