Personal Mortgage & Insurance

We provide a comprehensive range of personalized mortgage solutions and protection services, tailored to meet your unique financial needs.

  1. Home
  3. Mortgage & Insurance

Mortgage & Protection Solutions Tailored to You

We understand that securing the right mortgage and protecting your investment are essential steps toward a secure future. That’s why we offer a comprehensive range of personalized mortgage solutions and protective services designed to meet your unique needs. With our expertise and commitment, we’re here to help you find the ideal mortgage option and safeguard your financial wellbeing. Our services include:

  • Residential Mortgages: Purchases, Home Movers, First Time Buyers, Further Advances, Remortgages, End of Fixed Rate Options

  • Buy to Let Mortgages and Remortgages: Individuals, Limited Companies, Portfolio Landlords

  • Personal Protection: Income Protection, Life Cover, Critical Illness Cover, Family Income Benefit

  • Business Protection: Key Person Cover, Relevant Life Cover, Shareholder Protection, Executive Income Protection

Our Services

Home Mortgage

We provide tailored residential mortgage solutions and expert guidance to support first-time buyers, movers, and homeowners at every stage.

Complex Mortgage

We provide tailored specialist mortgage solutions and protection services designed to meet your unique financial needs — whether you're a first-time buyer, landlord, or business owner.

Personal Protection

We provide tailored personal protection solutions designed to safeguard your income, lifestyle, and loved ones against life’s uncertainties.

Business Protection

We provide tailored business protection solutions to help safeguard your company, key people, and financial future with confidence.

Core features

Mortgage with Capitrad Advisors

Whether you're a first-time buyer, moving home, or remortgaging, Capitrad Advisors offers expert mortgage guidance tailored to your unique needs. From initial consultation to completion, we ensure a smooth, transparent process—helping you make confident decisions every step of the way.

Step 1: Initial Assessment & Approval in Principle

We begin with a detailed fact-finding exercise to understand your financial situation, goals, and preferences. Using this information, we identify the most suitable mortgage options and obtain an Agreement in Principle (AIP) from a recommended lender, giving you a clear idea of your borrowing potential.

Step 2: Submit Mortgage Application

Once you're ready to proceed, we assist with completing the mortgage application and gathering all necessary documentation, including proof of income, assets, and credit details. We also provide a breakdown of all known costs and confirm the final loan terms before submission of the full application.

Step 3: Offer, Legal Work & Completion

After your application is submitted, the lender will assess your case, arrange a valuation, and issue a mortgage offer. We’ll coordinate with the lender and solicitor to handle the legal work and guide you through to completion—ensuring everything runs smoothly until the keys are in your hand.

Meet Nitin Agarwal

With over two decades of experience in law and finance, Nitin Agarwal brings unmatched depth and perspective to mortgage and protection advice. As a qualified adviser, he helps individuals and families secure the right mortgage and insurance products tailored to their needs—whether you’re a first-time buyer, a seasoned landlord, or seeking financial security through protection policies.

Nitin’s strength lies in making complex financial matters simple and relatable. His background in legal structuring and financial modelling means he can assess the bigger picture while focusing on practical outcomes. Known for his integrity, attention to detail, and commitment to client care, Nitin ensures every recommendation is not just suitable—but futureproof.

Whether you’re navigating the mortgage maze or planning long-term protection for your family or business, Nitin is here to guide you with clarity, compassion, and confidence.

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Nitin Agarwal

Mortgage & Protection Adviser

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Capitrad Advisors Limited is registered with the Data Protection Act 1998 Registration No: ZB835592 and is an Appointed Representative of TMG Direct Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number: 786245 and is registered with the Data Protection Act 1998 Registration No: ZA178200.

Capitrad Advisors Limited is registered in England and Wales vide Company Registration no. 14065342. Registered address: Office 5257, 58, Peregrine Road, Hainault, Ilford IG6 3SZ. Capitrad Advisors Limited is authorised and regulated by the Financial Conduct Authority under Firm Reference No. 1013048.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.