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Raj Bahia

Mortgage, Equity Release & Protection Adviser

I am a professionally qualified Mortgage & Protection adviser with extensive experience.

Raj Bahia specialisms

  • First time Buyers
  • Daily rate Contractors
  • Home Movers
  • Remortgages
  • Debt Consolidation Remortgages
  • Bad Credit Mortgages
  • Buy-to-Let Mortgages including Portfolio Landlords
  • Self-employed applications
  • Life Insurance, Critical illness protection, income protection

I have a depth of experience and as well as handling standard cases, such as house purchases for first time buyers and home-movers, re-mortgages, including capital raising. I also successfully deliver solutions to clients who may have more complex needs.

These include High Net Worth clients requiring large loans, returning Expat's, Portfolio Landlords, Ltd Co Buy to Lets, HMO, Consumer Buy to Lets, Let to Buy, multiple applicants, Bridging and 2nd charge lending (by referral) and of course adverse credit history to name but a few. Later life lending and Equity release are also areas in which I can and do advise. I am also very experienced in handling different protection proposals, such as life insurance, critical illness and income protection.

My Mortgage & Protection expertise has been built over the course of 20 years’ within the industry. I have given advice in the mortgage and protection market, both in Bancassurance, and now as a 'whole of market for mortgages only' adviser.

I pride myself on being customer centric which means that I take time to understand the needs of my clients fully and research the market thoroughly to deliver the most appropriate outcome.


I live in Derby and with my son and I like all of the usual things in life, such as dining out, music, family etc.


  • CeMap – Certificate in Mortgage Advice and Practice
  • CeReR – Certificate in Regulatory Equity Release

Speak with Raj on 0330 094 5476

or email

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