Raj Bahia

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  • First time Buyers
  • Daily rate Contractors
  • Home Movers
  • Remortgages
  • Debt Consolidation Remortgages
  • Bad Credit Mortgages
  • Buy-to-Let Mortgages including Portfolio Landlords
  • Self-employed applications
  • Life Insurance, Critical illness protection, income protection
  • Equity Release

About Raj Bahia

Mortgage, Equity Release & Protection Adviser


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.


I live in Derby and with my son and  I like all of the usual things in life, such as dining out, music, family etc


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


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

It was an absolute pleasure to work with Raj. We were in a difficult situation as a result of poor advice received from a previous adviser. Raj was able to provide us with the best outcome for our situation and always went beyond her call of duty to ensure we understood not just the small print but also the wider implications of our decisions for the future. She was always very pleasant. I will recommend her any day for her services. 


Raj has been brilliant from start to finish. She really knows her stuff and made us feel like we were in safe hands. She’s kept us informed throughout, chased our lender and ironed out the kinks. It’s reassuring and one less stress when it comes to moving. In our experience it’s also rare to have an advisor who is also as friendly and enthusiastic about her work as Raj is. We’ll definitely be back. 

Nicky & Jake