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Meet the Team
Rebecca Wilkins CeMAP
Director and Mortgage & Insurance Advisor
Rebecca has extensive experience in adverse credit cases and complex Buy To Let. She savours success and strives to solve your mortgage problems.
Rebecca loves to dance and she loves having a sing song, especially in the car! She adores animals, particularly Dogs and Guinea Pigs, having 5 of one and 4 of the other!
Sean Wilkins CeMAP
Mortgage and Insurance Advisor
Sean has great enthusiasm and energy to solve difficult mortgage problems. His tenacity and good humour will enliven the process.
Sean enjoys a boogie but when at home he loves nothing more than a Gin in front of the fire on a weekend! He is a fitness aficionado and loves a Burpee!
Senior Case Manager
Emily will help you through the process of liaising with the lender after the application has been fully submitted. You can trust Emily to ensure that your case is very well looked after.
Emily is a real asset to our team.
Reeta Kaur CeMAP
Mortgage and Insurance Advisor
Reeta heads up her own trading style called Sanquhar Mortgages but operates under Cutting Edge's FCA number.
Reeta is driven and passionate about making your mortgage journey as painless as possible. You are in safe hands with Reeta!
We aim to source the cheapest rates on the market for you
We are independent brokers with whole of market offerings
You could literally save hundreds each month!
It's always worth enquiring with us about how you can save money on your mortgage
A secured loan can offer you flexible solutions in order to raise the finance you need - quickly
Thanks to recent medical advances more and more people are surviving critical illnesses
But these still have a huge impact on our lives and families.
An option for some who worry how to pay their bills if they are too ill to work
Difficult & Complex Mortgage Solutions
Placing difficult and complex mortgages using our
experience and knowledge
It's all about knowing the lenders' criteria in detail - aiming to place you on the best deal possible
All Cases Welcome
Remortgages or Product Transfer
Onto a Better Rate
Transfer your existing mortgage onto a better rate - or stay with your current lender
Avoid the SVR!
Save hundreds a month
We have lots of lender options (not just Natwest) enabling us to consider many different situations
All Cases Welcome
Residential & BTL
The world has changed, but some lenders’ criteria have kept up!
We have access to lenders (not just Together) who offer a common sense approach to secured loans
Flexible enough to account for today’s real lives.
Meaning they can often lend when others cannot
All Cases Welcome
Residential & Commercial
Life Insurance Planning
Serious Illness Cover
What Our Customers Say
Thank you very much for this, you've done something that many have failed to do!!!
I am pleased to inform you that our mortgage has been completed today. I am immensely grateful for all your support and level of professionalism.
Again, you have shown excellence at its best!
I would highly recommend Rebecca to anyone seeking advice and help getting a mortgage. Rebecca is very knowledgeable and had patience with me when finding the perfect mortgage suited to me. Having never had a mortgage before it was all very new and Rebecca made sure I fully understood each part. Rebecca offered a friendly service and nothing was ever too much trouble.
I highly recommend Rebecca who provided exceptional and very prompt advice. Rebecca sorted out our mortgage switch with the minimum of effort on our part just a few emails and messages and the job is done
You have been a star throughout this process and I know we would not have achieved any of this without your help. You are the best. Thank you once again.
Just wanted to email to say thank you for all your effort in my remortgage. Much appreciated and I’ve been using you guys since 2003 and will continue to do so! Good job!
Me & my partner used Bex for buying our first home, mental that it's been 2 years!!! She was absolutely amazing. People say applying for a mortgage etc is stressful, definitely not with Bex she takes all the stress away and makes it an easy process! 100% recommend & choose you every time thank you!!!
Even more photos
Members of the Financial Intermediary & Broker Association
One of our office dogs, Elliott, getting in on the action!
Our team meetings are definitely worth turning up for!
Making a brew makes me happy - obvs!
It's not all work work work!
We managed a normal photo!
50 Main Street
01289 388 736
0800 612 0466
FCA No: 922009
Cutting Edge Mortgages LTD is a broker and not a lender.
Complaints - If you wish to register a complaint, please write to Complaints Department , Rebecca Wilkins , 50 Main St, Lowick, TD15 2UA.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complains is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.
Cutting Edge Mortgages LTD is authorised and regulated by the Financial Conduct Authority. Cutting Edge Mortgages is entered on the Financial Services Register https://register.FCA.org.UK/ under reference 922009.
Our Mortgage and Insurance Services & Costs Office address: 50 Main Street, Lowick TD15 2UA Telephone number: 01289388736 email: email@example.com Rebecca Wilkins is authorised and regulated by the Financial Conduct Authority The Financial Conduct Authority Cutting Edge Mortgages LTD is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768. Our Financial Services Register number is 922009. Our Services Mortgages We are independent mortgage advisers and we will recommend a mortgage product that is suitable for you following an assessment of your personal needs and circumstances. This will include a detailed assessment of affordability. We will consider all products and lenders that we have access to. This means we will not consider those lenders that are only available by you going direct to them. Where you are increasing your borrowing we will consider the merits of both a new first charge mortgage and securing this by an additional mortgage on a second charge basis. You may also have the option of a further advance from your existing lender or borrowing through an unsecured loan but whilst these may be more appropriate for you, we will not consider these when making our recommendation to you. Insurances Non-investment protection contracts - we offer non-investment protection term assurance, income protection and critical illness from a range of insurers. We will provide you with advice and arrange the contract on your behalf after an assessment of your personal needs circumstances General Insurance Contracts - we offer buildings & contents insurance, accident, sickness & unemployment (ASU) from a limited range of insurers; - Uinsure, Source and Legal & General. We will provide you with advice and arrange the contract on your behalf after we have assessed your demands and needs for a particular type of insurance The Costs of our Service We charge a fee for providing advice and submitting your mortgage application. Part of this fee becomes payable on application for a mortgage deal and part on offer. A typical fee is £750, £395 of which is payable on application and £355 on offer. We will receive and retain a commission from the lender when your mortgage completes. This amount will be confirmed by the lender in their disclosure document. Should you wish you can request to view the commission rates from each of the lenders we have considered at the time that we make our recommendation to you. Refund of fees Please note our fee will still be charged should the lender reject your mortgage application due to you not disclosing any material information about your personal situation. It should also be noted we do not provide a refund should you decide not to proceed with the mortgage loan after we have made a recommendation to you. Non-Investment Protection and General Insurance Contracts We do not charge a fee as we will receive commission from the provider after the policy has been placed on risk. Our Ethical Policy We are committed to providing the highest standard of financial advice and service possible. The interest of our clients is paramount to us and to achieve this we have designed our systems and procedures to place you at the heart of our business. In doing so, we will: be open, honest and transparent in the way we deal with you; not place our interests above yours; communicate clearly, promptly and without jargon; seek your views and perception of our dealings with you to ensure it meets your expectations or to identify any improvements required. Cancellation rights Certain protection and insurance contracts allow you the right to cancel after a contract has been put in force. Prior to you entering into a contract of protection or insurance we will provide you with specific details should this apply to include: its duration; conditions, practical instructions and any costs for exercising it, together with the consequences of not exercising it. Instructions We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing. Complaints If you wish to register a complaint, please write to Cutting Edge Mortgages LTD, 50 Main St, Lowick, TD15 2UA or telephone 01289 388 736. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at or by contacting them on 0800 023 4 567. Compensation Scheme If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. Further information about the limits applicable to the different product types is available from the FSCS at www.fscs.org.uk/what-we-cover/products Client Verification We may be required to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on their behalf, and to ensure that the information we hold is up-to-date. For this purpose we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning. Law This agreement is governed and shall be construed in accordance with the Law of England and the parties shall submit to the exclusive jurisdiction of the English Courts. Force Majeure Cutting Edge Mortgages LTD shall not be in breach of this Agreement and shall not incur any liability to you if there is any failure to perform its duties due to any circumstances reasonably beyond its control. Termination The authority to act on your behalf may be terminated at any time without penalty by either party giving 7 days notice in writing to that effect to the other, but without prejudice to the completion of transactions already initiated. Any transactions effected before termination and a due proportion of any period charges for services shall be settled to that date.