Bob Lalli | Independent Mortgage Broker | At Pennymatters Ltd
Guildford
Mortgage advice covering later life / equity release, commercial, buy-to-let and 1 more. Bob Lalli charges a broker fee.
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About Bob Lalli
Bob Lalli | Independent Mortgage Broker | At Pennymatters Ltd is a UK mortgage broker based in Guildford. Its website describes mortgage advice for buy-to-let, first-time buyers, later life lending, commercial finance. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Bob Lalli records 4 areas of advice from its base in Guildford: later life / equity release, commercial, buy-to-let and first-time buyers.
Running commercial alongside buy-to-let usually points at landlord and business-owner clients — semi-commercial units, HMOs and portfolios rather than single flats.
Later Life / Equity Release
Later-life lending and equity release are separately regulated and have long-term consequences: interest can roll up against the value of your home, and it changes what is left in your estate. Advisers need a specific qualification to recommend it.
Read the later life / equity release guideCommercial
Commercial mortgages are underwritten case by case rather than from a rate table. Lenders look at the trading business behind the purchase, the property type and your experience, and terms are negotiated rather than advertised.
Buy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. Alongside commercial lending, that points at semi-commercial units and HMOs rather than single flats.
Read the buy-to-let guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see.
Read the first-time buyers guideFees: what this means for you
Charges a broker fee
You pay this firm for its advice on top of the lender's product fee, valuation and legal costs. Ask for the amount, the point at which it becomes payable and whether it is refundable if the case falls through — firms must disclose this before you commit. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Bob Lalli
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2What is your fee, when is it payable, and do I get it back if the application does not complete?
- 3What qualification does the adviser hold for equity release, and how would rolled-up interest affect what I can leave to my family?
- 4What deposit, trading history and security will a commercial lender want from me, and how long does a decision usually take?
- 5How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 6What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 7Do you see clients at your Guildford office, or is this handled by phone and video?
Getting in touch with Bob Lalli
Bob Lalli lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
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Frequently asked questions
Does Bob Lalli charge a fee for mortgage advice?
Yes. Bob Lalli is listed as fee-charging, so you pay the firm for its advice in addition to lender and legal costs. Ask for the exact amount, when it becomes payable and whether you get it back if the application does not complete. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does Bob Lalli handle?
Bob Lalli | Independent Mortgage Broker | At Pennymatters Ltd records later life / equity release, commercial, buy-to-let and first-time buyers, working from Guildford. Ask anyway if your case sits outside that list.
Does Bob Lalli advise on equity release and later-life lending?
Bob Lalli lists later life and equity release among its areas. This is separately regulated advice and an adviser needs a specific qualification to give it, so ask which one they hold. Ask too about the alternatives — a retirement interest-only mortgage or downsizing may cost your estate far less than a lifetime mortgage.
Does Bob Lalli only cover Guildford?
Bob Lalli | Independent Mortgage Broker | At Pennymatters Ltd is listed in Guildford, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Guildford on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.