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Harbhajan Dhaliwal

Mortgage and Protection Adviser

I am an experienced Mortgage and Protection adviser, joining Charles Derby Mortgage Bureau 3yrs ago after gaining a Level 3 certificate in Mortgage Advise and Practice. Since working with Charles Derby Mortgage Bureau, I have been privileged to experience all aspects of the business to offer advise to all cliental.

Harbhajan Dhaliwal specialisms

Mortgage placement and arranging for:

  • Residential
  • First time buyers
  • Remortgages
  • Buy-to-let

Deals researched and arranged to suit:

  • Fixed rate deals
  • Discounted
  • Variable and flexible
  • Capped and or collared

General Insurance

  • Home contents insurance
  • Buildings insurance

Life cover

  • Whole of lie Insurance
  • Term Assurance protection

Medical

  • Private medical arrangements
  • Critical illness insurance

Income

  • Permanent Health Insurance, aka Income Protection
  • ASU insurance
I am very impressed with the service from Mr Dhaliwal in arranging the remortgage of our property and helping my son with this buy to let mortgage.
He was very knowledgeable and professional, his communication with us was always prompt and helpful, which made it very easy to process.
I would highly recommend him to anyone looking for advice or help regarding their mortgage.
Regards
Mrs I Sahota
I really wanted to highlight our appreciation of Mr Dhaliwal’s work with us.
Mr Dhaliwal was recommended by a friend and we thought we would give him a go as we find friends personal referrals are the best way forward. Well we certainly haven’t been disappointed we’re actually very very happy with Mr Dhaliwal’s expertise in this field, his thorough knowledge and scrutiny in finding us the best remortgage deal possible as well as capital raising.
We are now in the process to update our life cover/critical illness cover. Which we are happy to do having looked at all the detail.
We have also referred Mr Dhaliwal to many friends/family as we have saved a lot of money.
Perwinder and Amarjit Virdi
We contacted Charles Derby to arrange a mortgage for us and were introduced to Abs Dhaliwal as our consultant. Abs worked tirelessly to achieve the best possible deal for us whilst contacting us on a regular basis to keep us informed of progress. We were offered a very competitive mortgage within 6 weeks. We cannot recommend Abs Dhaliwal highly enough and must say it was the best mortgage experience we have had. C. Breakwell

With the experience gained over the years I can offer advice in different areas; this can be from owning your first home to building a portfolio of properties. Along with mortgages ensuring that your life insurance, Critical Illness and General Insurance are suited to your needs. I can also look at Accident, Injury and Unemployment cover if needed.

I started my own letting business over 10 years ago, working from home in my study, where I would help my clients receive potential rent for properties and help them manage the properties. This then led to advising my clients where to purchase the next property, which then opened a door for me to get into arranging mortgages for them as well. Now running a family business in Leamington Spa High Street. When I knew what my customers wanted, I passed my Level 3 CEMAP and my understanding and knowledge of properties and the markets helps my customers journey with ease.

Since I started my advisory role, I love the satisfaction from helping my clients and making sure that they are ready for any problems that may come knocking at the door. I can help portfolio landlords, mortgages for two or more applicants, protecting themselves and family, if the clients have adverse credit history among many other complex cases. The more complex case the more satisfaction I get.

I am very understanding to customer needs, ensuring my market research is done carefully, speaking with potential lenders and BDM's before delivering my client with the best outcome.

I was born and bred in Warwick/Leamington spa, married and have 3 grown up children, of which two are married with children. I have 3 grandchildren who I love spending time with. I worked in a foundry for most of my life until I gained the passion for property and loved the feeling of helping other people. So around 12 years ago I became interested in property management and mortgages and have never looked back since. In my free time I like to work out and still play football once a week. I enjoy darts and love to travel. I love history and reading about the Kings and Queens of Britain. We are a very competitive family so like the old pub quizzes now again.

Speak with Harbhajan on 0330 094 5476

or email cdmb@charlesderbymb.com

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