Business Details
26 Years
experience
Your Trusted Mortgage Partner
RLV Mortgages is a family-run business established in 2000, based in Urmston, Manchester. With 23 years of industry experience, we specialise in mortgage advice, protection insurance, and tailored financial solutions. Our approach prioritises client needs, offering nationwide services via telephone and local appointments. We guarantee no fees unless your mortgage application completes, ensuring transparency and client satisfaction. Our team, led by Lisa and Paul Tonge, combines personal dedication with professional expertise to navigate complex financial landscapes. 
Services
Mortgage advice
Protection insurance
Life assurance
Landlord insurance
Income protection
Details
- Year established: 2000
Highlights and features
- We have 23 years of experience in mortgage and financial services.
- Our family-run business prioritises personalised client care and transparency.
- No fees unless your mortgage application completes successfully.
- We offer nationwide services with local expertise in Urmston, Manchester.
- Comprehensive solutions covering mortgages, protection insurance, and financial planning.
Associations and certifications
- Financial Conduct Authority
What people say
Transparent fee structure
Expert mortgage guidance
Personalised insurance solutions
No charge guarantee
Local accessibility
Services
Mortgage advice
We provide tailored mortgage advice for first-time buyers, remortgagers, and buy-to-let landlords. Our expertise includes accessing exclusive deals and navigating complex criteria to secure completion. With 23 years of experience, we ensure no hidden surprises.
Life assurance
Our life assurance policies offer lump sum or monthly payouts upon death, tailored to your family's needs. We assess your circumstances to recommend coverage aligned with your financial obligations and long-term goals.
Income protection
We design income protection plans to replace earnings during sickness or accident. Policies start at 4.71/month for 850 monthly benefit, with flexible terms based on age, occupation, and location.
Landlord insurance
Our landlord insurance protects rental properties against fire, flood, theft, and legal disputes. We provide bespoke policies during buy-to-let mortgage processes, ensuring comprehensive asset protection.
Critical illness cover
Critical illness cover provides lump sum payouts for diagnosed conditions like cancer or heart disease. We tailor policies to your health profile, ensuring financial security during recovery periods.
People
Lisa Tonge
Co-Owner
Lisa Tonge co-founded RLV Mortgages with Paul, leveraging 23 years of industry experience. She focuses on client relationships and operational excellence, ensuring the business maintains its family-driven ethos.
Paul Tonge
Co-Owner
Paul Tonge established RLV Mortgages with Lisa, combining technical expertise with client-centric values. His 23-year career spans mortgage advisory and financial planning, driving the company's strategic direction.
Questions
What mortgage services do you offer?
We provide advice for first-time buyers, remortgaging, buy-to-let mortgages, and access exclusive deals unavailable on comparison sites.
Do you charge fees for mortgage advice?
Our standard fee is £350, increasing to £499 for complex cases. No charge applies if your application doesn't complete.
What protection insurance options are available?
We offer life assurance, critical illness cover, income protection, and mortgage payment protection tailored to your circumstances.
Are your insurance policies regulated?
Most buy-to-let mortgages and some insurance products aren't FCA-regulated. We clearly explain terms and exclusions for all policies.
How do you handle property insurance?
We arrange buildings and contents insurance during mortgage processes, partnering with multiple insurers to find suitable coverage for your property type.
Can you help with adverse credit mortgages?
Yes, we specialise in complex cases, though fees increase to £499 for adverse credit scenarios due to additional lender requirements.
