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Raj Bahia

Mortgage, Equity Release & Protection Adviser

Raj Bahia specialisms

  • First time Buyers
  • Home Movers
  • Remortgages
  • Bad Credit Mortgages
  • Equity Release
This is to confirm that I am very satisfied with the services I have received from my mortgage adviser at Charles Derby including the outcome. I will recommend her to friends and family and others. She was extremely hardworking and professional at all times. Thomas NN
Raj has been a breath of fresh air; she has taken all my worries away having experienced many years of stress with a shared equity scheme. Raj was nothing but professional and friendly, with a great sense of humour, and she reassured me that everything was going to be OK and that she would do everything she could to get the matter resolved quickly and efficiently. That she did! I have and will continue to recommend Raj to my friends, work colleagues and family. Raj has definitely made me smile again! Thank you, Raj, you're amazing! Cherie Sisson
I have worked with Raj for 4 years now, she was my mortgage broker for my initial mortgage then twice for a re-mortgage. I wouldn't go anywhere else; she is friendly and professional, and she gets the job done. Nothing is too much trouble for her, and she always gets the best deal. Kayleigh Bird
Raj has been amazing; she has made re-mortgaging a shared equity property a breeze. She took all of the stress and worry off my shoulders. Communication was excellent, it was like speaking to a good friend. I would highly recommend Raj. Amie McGibbon

I have a depth of experience and as well as handling standard cases, such as house purchases for first time buyers and home-movers, re-mortgages, including capital raising. I also successfully deliver solutions to clients who may have more complex needs.

These include High Net Worth clients requiring large loans, returning Expat's, Portfolio Landlords, Ltd Co Buy to Lets, HMO, Consumer Buy to Lets, Let to Buy, multiple applicants, Bridging and 2nd charge lending (by referral) and of course adverse credit history to name but a few. Later life lending and Equity release are also areas in which I can and do advise. I am also very experienced in handling different protection proposals, such as life insurance, critical illness and income protection.

My Mortgage & Protection expertise has been built over the course of 20 years’ within the industry. I have given advice in the mortgage and protection market, both in Bancassurance, and now as a 'whole of market for mortgages only' adviser.

I pride myself on being customer centric which means that I take time to understand the needs of my clients fully and research the market thoroughly to deliver the most appropriate outcome.


  • CeMap – Certificate in Mortgage Advice and Practice
  • CeReR – Certificate in Regulatory Equity Release

Speak with Raj on 0330 094 5476

or email

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