R&BS
York
Mortgage advice covering commercial. R&BS charges a broker fee.
Main contact
About R&BS
R&BS is a UK mortgage broker based in York. Its website describes mortgage advice for commercial finance. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
R&BS records one area of mortgage advice on MortgageMatch: commercial. The firm is listed in York.
A single recorded area does not necessarily mean a narrow practice — it may just be what the firm chose to list. Ask what else R&BS handles.
Commercial
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.
Fees: 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
Verify before you share anything.
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 R&BS
Tailored to this listing.
- 1You list commercial — how many cases like mine do you place in a year, and which lenders do you use for them?
- 2What is your fee, when is it payable, and do I get it back if the application does not complete?
- 3What deposit, trading history and security will a commercial lender want from me, and how long does a decision usually take?
- 4Do you see clients at your York office, or is this handled by phone and video?
Getting in touch with R&BS
R&BS 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
- Compare two or three brokers.How to choose
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Frequently asked questions
Does R&BS charge a fee for mortgage advice?
Yes. R&BS 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 R&BS handle?
R&BS records commercial, working from York. Ask anyway if your case sits outside that list.
Does R&BS arrange commercial mortgages?
R&BS lists commercial lending as an area it covers. Commercial terms are quoted case by case, so expect to share business accounts, details of the property and your trading history before anyone gives you a rate. There is no published rate to compare against, which makes broker access to lenders more important than on a residential deal.
Does R&BS only cover York?
R&BS is listed in York, 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 York 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.