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Robert James Consultancy Ltd

Mortgage Brokers · Droitwich, Rest of UK · Est. 2025

1 year

Active Trading

Active

CH Status

1,090

Monthly Views

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Company Registration Details

Registered company name	Robert James Consultancy Ltd
Companies House number	16456895 →
Company type	Private Limited Company (Ltd)
Registered address	The Oakley Kidderminster Road, WR9 9AY
City / Region	Droitwich, Rest of UK
Date incorporated	2025
Years trading	1 year
CH status	Active
Specialism	Recorded activity: 70229 (management consultancy)
Index status	Claim this listing →

About Robert James Consultancy Ltd

Robert James Consultancy Ltd was incorporated in 2025 and is registered as an active company on the Companies House register.

It is one of 823 mortgage brokers listed in the UK on this index of 5754 UK firms in the category.

Check the Financial Services Register first: authorisation status, permissions and any trading names the firm uses.

What Mortgage Brokers Do

A broker translates your financial position into a lender match, handling product selection and the application itself. Access varies by firm: whole-of-market, a multi-lender panel, or ties to specific lenders, each with disclosure obligations.

Cases that fail one lender's criteria frequently pass another's; mapping that terrain is the broker's value.

How to Choose the Right Mortgage Broker

A generalist suits standard purchases; self-employed income, adverse credit or unusual property calls for a specialist. Ask any prospective firm how many lenders it can place with and whether it has handled cases like yours recently.

Broker remuneration typically combines a lender-paid procuration fee with an optional client fee, both disclosable under FCA rules.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?

Direct applications are always possible but confine you to one lender's range. An intermediary compares products across many lenders at once, which tends to matter most where circumstances are non-standard: self-employment, credit history issues or unusual property.

How much does a mortgage broker charge?

Many firms are paid entirely by the lender through a procuration fee, so no client charge applies; others add a client fee, particularly for complex work. Whatever the model, it must be disclosed clearly before you commit.

What documents do I need to provide to a mortgage broker?

The standard pack covers ID, proof of address, three to six months of bank statements, income evidence appropriate to your employment type, and your current credit commitments; specific lenders add their own requirements.

How long does the mortgage process take when using a broker?

Mainstream lenders typically issue an offer within two to six weeks of submission; specialist cases run longer. Active case management, chasing the lender and resolving queries promptly, is where a firm shortens the timeline.

Can a mortgage broker help if I have been declined by a lender?

Yes, and this is where criteria knowledge earns its fee: lenders differ sharply on credit history, income types and property construction, and a decline at one lender often converts to an approval at another with the right placement.

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Important notice: Data on this page comes from the public Companies House register. Kaeltripton.com is an independent directory service, unaffiliated with Robert James Consultancy Ltd or any listed firm. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

Robert James Consultancy Ltd | Mortgage Brokers | Droitwich | Est. 2025