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Caroline Rajaratnam

Mortgage and Protection Adviser

I am a specialist in the following areas:

Caroline Rajaratnam specialisms

  • Residential Mortgages
  • Buy to Let Mortgages including Portfolio Landlords and Debt consolidation
  • Protection which includes life cover, critical illness and family/income protection etc.

Furthermore, I also deal with clients who have County Court Judgements (CCJ’s), defaults, and bankruptcy once 6 years had lapsed.

I have held many different advisory roles over my 20-year career with NatWest Bank where I originally was trained as a customer adviser and then progressed to becoming a business manager in 2008. In 2016 I changed my career and decided to become self-employed and became a mortgage broker with Charles Derby. I find this job to be particularly challenging yet rewarding because I enjoy keeping my clients happy and satisfied with the level of service I provide.

Personal Section

I am married and have one daughter and live in London. In my free time when I am not dealing with customers’ I enjoy cooking and trying new recipes online for my family. I also regularly go to the gym because I believe that physical exercise promotes a healthy and productive mindset.


  • I have my Bachelor of Science Degree (BSC) and have also completed The certificate in Mortgage Advice and Practice (Ce MAP 1 ,2,3) in 2003

Speak with Caroline on 0330 094 5476

or email

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