Welcome to the Roff Financial Blog!

For individuals looking to enter the property market, the base rate significantly influences mortgage affordability:​

At Roff Financial, we do more than just find you a mortgage – we build lasting relationships based on trust, expertise, and personal service.

In today's uncertain economic climate, ensuring financial stability is more crucial than ever. Recent data indicates that over two-thirds (67%) of UK adults would struggle financially if they were unable to work due to ill health. Despite this, a significant portion of the population remains without adequate financial safeguards.

For many homeowners in Somerset and across the UK, home equity is one of their most valuable financial assets. Whether you're looking to remortgage, release equity, or simply understand your property's financial potential, knowing how home equity works can help you make informed decisions.

The Financial Conduct Authority (FCA) has recently announced key changes to mortgage lending and advice rules in the UK. These updates are designed to simplify the mortgage process, increase accessibility for borrowers, and support economic growth. But what do these changes mean for homebuyers, homeowners, and mortgage advisors? In this blog, we break down the FCA's latest reforms and their potential impact.

We are thrilled to announce that Luke Roff, founder of Roff Financial, has won a Top Achievers Award in his very first year of setting up the business! Out of 217 advisors, Luke ranked 8th, a huge achievement that reflects his dedication, expertise, and passion for helping clients secure the best mortgage and protection solutions.

When it comes to mortgages, the amount of information out there can be overwhelming—and not all of it is accurate. At Roff Financial, we believe that informed clients make the right decisions. So, let’s bust some common mortgage myths that could be holding you back from achieving your homeownership dreams.

Navigating the world of mortgages and protection can be daunting, especially with the myriad of terms and jargon used in the industry. At Roff Financial, we aim to simplify this process for you. Here’s an A-Z guide to help you understand the key terms you might encounter on your journey to financial security.

In the heart of South Somerset, Roff Financial stands as a trusted advisor for individuals seeking comprehensive mortgage and protection advice. One of the most crucial aspects of financial planning that we emphasize is life insurance. Whether you're just starting a family or planning for the future, understanding the importance of life insurance can help secure your loved ones' financial stability.

In the dynamic landscape of the UK housing market, securing a mortgage can be a significant milestone on the path to homeownership. However, for self-employed individuals, navigating the mortgage application process can often pose unique challenges. From fluctuating income streams to documentation requirements, self-employed borrowers may encounter hurdles that traditional employees do not. In this comprehensive guide, we'll delve into the world of mortgages for the self-employed, uncovering strategies to overcome obstacles and secure the financing you need to make your homeownership dreams a reality.

Are you ready to take the exciting step towards becoming a homeowner in South Somerset? As a first-time buyer, navigating the world of mortgages and financial protection can feel overwhelming. But fear not! At Roff Financial, we're here to guide you through the process and help you make informed decisions every step of the way.