Get clear mortgage options fast on WhatsApp
First-time buyer, home mover or buy to let investor. I map out your options and next steps so you can move sooner without the stress, and I put you in a stronger buying position than other buyers. Your initial assessment is free, and you only pay a broker fee when we submit your full application.
Free, no obligation. A broker fee is only charged when we submit your full mortgage application.
A soft check may be used for an AIP.
Get your free mortgage options
Thank you for contacting us!
I’ll be in touch shortly.
Urgent? WhatsApp me or call me now.
Please try again later.
Your initial assessment is free; any broker fee is only payable when we submit your full mortgage application, and the amount will be confirmed in advance. Your data is handled in line with our Privacy Policy.
Your home may be repossessed if you do not keep up repayments on your mortgage.
WHY CHOOSE VICTOR'S MORTGAGES
I plan your offer strategy, check value and help prevent down valuation so you do not overpay.
I am an active portfolio landlord, so you benefit from practical investor knowledge on sourcing, stress tests and portfolio structure.
I keep everything in plain English so you always know what is happening and why.
I coordinate lenders, solicitors and estate agents and keep you updated quickly on WhatsApp.
You get whole of market access so we can compare lenders and products that truly fit your situation.
My fees are fair. Your initial assessment is free and any broker fee only becomes payable when we submit your full application.
I specialise in complex cases including self employed clients with one year of accounts, clients on visas without permanent right to reside and clients with past credit issues.
straightforward advice and quick responses via WhatsApp FOR:
First-Time Buyers
Get your options explained in plain English. I help you secure an AIP, plan your offer and understand surveys, valuations and the legal steps so you can move with confidence.
Self Employed and Contractors
If you have one year of accounts or multiple income streams, I package your case correctly and shortlist lenders who understand how you are paid.
Visas / No Permanent Right to Reside
I work with skilled worker and other visa routes. I identify lenders comfortable with your residency and documentation so you can buy with clarity.
Credit Blips
Late payments or historic issues do not have to end your plans. We review what is possible now and what to improve for the best rate.
Buy to Let Investors
Get guidance from a landlord who invests. From purchase to remortgage, I help with stress tests, company BTL, cash flow and long-term growth.
Remortgage & Further Advance
Make your equity work harder. Compare remortgage, further advance and additional borrowing for home improvements, gifting to children or reinvesting, with total costs explained before you decide.
CeMAP Qualified • FCA Regulated • ★★★★★ 25+ Google Reviews • Based in Kent • UK-wide •
Why Choose Victor’s Mortgages
- I plan your offer strategy, check value and help prevent down valuation so you do not overpay.
- I specialise in complex cases including self employed clients with one year of accounts, clients on visas without permanent right to reside and clients with past credit issues.
- I am an active portfolio landlord, so you benefit from practical investor knowledge on sourcing, stress tests and portfolio structure.
- You get whole of market access so we can compare lenders and products that truly fit your situation.
- I keep everything in plain English so you always know what is happening and why.
- I coordinate lenders, solicitors and estate agents and keep you updated quickly on WhatsApp.
- My fees are fair. Your initial assessment is free and any broker fee only becomes payable when we submit your full application.
Victor Ravi offers straightforward advice and quick responses via WhatsApp, ensuring you never feel overwhelmed or overcharged when securing your mortgage.
Expert Guidance Tailored to You
Victor’s Mortgages offers clear, personalised advice backed by real-world experience as a foreign national and buy-to-let investor. Benefit from fast responses and strategies designed to save you money and stress.
Client Testimonials
Our Commitment to You
Honesty and clarity
You always know fees and next steps before you decide.
Responsive and Reliable
I reply quickly on WhatsApp and always keep you updated, so you never have to chase. I make sure my support works around your schedule, not the other way around.
Diligence
Every application is packaged to fit lender criteria and reduce delays.
Respect and care
Your goals matter and I treat them like my own.
Transparency first
Your initial assessment is free; any broker fee is only due on full application.
Faith-led integrity
I am a follower of Jesus and aim to serve clients with integrity, accountability, empathy and kindness.
How to Secure Your Mortgage with Victor’s Mortgages
01
Initial Consultation
We talk on WhatsApp or by phone about your goals and your current position. I confirm what looks realistic and which documents we will need.
02
AIP and options
I compare lenders across the market and set out your options in plain English. I then arrange an Agreement in Principle so you can offer with confidence.
03
Application and packaging
I prepare your case and present your income and background clearly, then I liaise with the lender’s team to keep things moving.
04
Valuation, offer and legal
I coordinate with valuers and solicitors, solve issues quickly and keep you updated so there are no surprises.
05
Completion and beyond
When you get the keys I set reminders for future reviews, including remortgages and opportunities to save or reinvest.
GET IN TOUCH WITH VICTOR's MORTGAGES
Call Us Directly
Get your free mortgage options
Thank you for contacting us!
I’ll be in touch shortly.
Urgent? WhatsApp me or call me now.
Please try again later.
Your initial assessment is free; any broker fee is only payable when we submit your full mortgage application, and the amount will be confirmed in advance. Your data is handled in line with our Privacy Policy.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Faq
Frequently Asked Questions
How fast do you reply?
Most messages are answered the same day, often within a couple of hours.
Do you charge a fee?
Your initial assessment is free. A broker fee is only payable when we submit your full mortgage application, and I confirm the fee and what it covers before you choose to proceed. Lenders may charge their own product, valuation or legal fees.
Will a credit check affect my score?
An initial soft check may be used to provide an AIP and it does not impact your score.
Do you only work locally?
No. WhatsApp and phone mean I help clients UK-wide.
