Latest Blog 19th May 2022 - Mortgage and Insurance News

Mortgages are now regulated by the Financial Conduct Authority.

The Financial Conduct Authority (FCA) is a financial regulatory body in the United Kingdom, but operates independently of the UK government, and is financed by charging fees to members of the financial services industry.

Can we help? - thirty second "hello"video..( best to open as a new tab..)

 Hello From RJ Mortgage Finance

Our location - please call to book an appointment - we are based at

KEMP HOUSE, 152-160 City Road, London, EC1V 2NX  - closed at present

( nearest Tube station is Old Street and a 5 minute walk )

Appointments are by arrangement only so please call 0208 245 8464 to discuss your situation and to book an appointment. 

Your benefits

  • Save time
  • Save money
  • Best advice
  • Experts at hand
  • Fixed costs
  • National service - we can do everything by telephone and email
  • Telephone today
  • 0208 245 8464

Interest rates 

Bank of England Base Rate increased by 0.25% to 1.00% (05/05/2022)

What we do for you 

At RJ Mortgage Finance we aim to provide a quality service to all our clients. We will provide a no nonsense approach to the world of residential and commercial mortgage finance and insurance provision.We aim to locate the most suitable mortgage finance and insurance plans for our clients.

We like to think of ourselves as people who assist others complete their plans. For example if you are looking to move home you spend time finding the right property. When you find the right property, you picture yourself in your favorite armchair reading your newspaper. We aim to help you complete that picture.Perhaps you wish to purchase a commercial property so that your business can grow. We aim to help complete that picture.Maybe you want to arrange life insurance so that your family are protected when you die. We aim to help. I think you probably get the idea.

Have a look at the testimonials page to see what our clients are saying...

Our services -  

  • Residential Mortgage Finance Broker - residential and Buy to Let Finance.

  • Commercial Mortgage and Bridging Finance - we may introduce you to specialist 3rd parties

  • Auction Finance available
  • Insurance Services - We will provide a full advice and arrangement service regarding protection to individual borrowers, families and corporate cover.

  • Personal secured loans arranged
  • Access to a number of on-line conveyancers for all your property legal work.


  • Pension and investment advice by recommended local specialists
  • Equity release advice by recommended local specialist
  • For specialist professional advice and a personal mortgage service please contact us

How we help

The use of a broker involves just a single consultation and we could find the most suitable mortgage and suitable insurance contracts for your particular circumstances from a wide variety of sources. This in turn:

  • Saves you time from carrying out all the research

  • Save money by allowing you to make a single call to explain your circumstances and your requirements rather than repeating it to each individual lender.

  • Gets you the most suitable deal.

  • Gives you access to far more schemes and we have established excellent relationships with many major lenders.

The primary adviser is Richard Johnson - to see a little about his background and qualifications including AdvCemap which includes CeCM please click on the Treating Customers Fairly link.

You know you have made the right choice because an expert is helping you. RJ Mortgage Finance is a member of the North London Chamber of Commerce.

Please note we may record telephone conversations and client meetings to ensure we fully understand your requirements.

In addition keep up to date with RJ Mortgage Finance and visit -

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We offer Comprehensive mortgage advice and for our services we charge a reduced fee, as we are paid fees from our lenders. There will be a fee for arranging your mortgage and the precise amount will depend upon your circumstances.Please do call for guidance as you will be fully appraised before we start any work on your behalf. This fee will typically be between £395.00 and £699.00, depending on the type of mortgage that you are arranging.

The Legal's -

Residential Mortgages in the UK are regulated by the Financial Conduct Authority.

RJ Mortgage Finance is a trading name of Richard Johnson who of  is an Appointed Representative of Mortgage Next Network Limited which is authorised and regulated by the Financial Conduct Authority under number 300866 in respect of mortgage, insurance and consumer credit mediation activities only.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www. ( ) under reference 300866

The guidance and/or advice contained within this web site is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Terms and Conditions: please view the links below and view our Terms and Conditions and our Privacy notice.

For specialist professional advice and a personal mortgage service contact us by

The Principal
RJ Mortgage Finance

KEMP HOUSE, 152-160 City Road, London, EC1V 2NX 

Your home may be repossessed if you do not keep up repayments on your mortgage.

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And in claims paid news Exeter announced that they have paid 94$ of income protection claims in 2016.