I’m Dave Ruse, a mortgage and protection adviser based near Camborne. I’ve worked in financial services since 1998.
Your initial consultation is free.
“I knew nothing about mortgages going into this process and David was so helpful, kind and patient. He found me a good deal for my circumstances and even helped me by recommending a solicitor when I was quoted an obscene amount by another firm, saving me over £1500. I would recommend him to anyone and will continue to use his services in the future.”
Buying your first home, reviewing your mortgage or considering protection? Start with what you would like help with.
Buying your first home can bring plenty of questions. I can help you understand what you may be able to borrow and guide you through the mortgage application.
Arrange a chat about buying your first home“I used Dave to purchase my first house, explained everything so clearly and went above and beyond. Highly recommended”
Reviewing your current mortgage? We can discuss your circumstances and options, including a change in borrowing or raising funds for home improvements. Rates, costs and eligibility depend on your situation.
Arrange a chat about remortgaging“Absolutely brilliant. Takes any stress out of getting a mortgage and re-mortgaging. Dave is warm, friendly, trusting and very knowledgable. I totally recommend. We are so thankful he was recommended to us.”
If your income comes from self-employment, tell me about your circumstances. Clients have described my help with self-employed applications in their Google reviews. Lender requirements and outcomes vary.
Arrange a chat about a self-employed mortgage“Dave has been our mortgage broker for years. We are both self-employed and don't have straightforward finances but Dave has negotiated any problems and always given us good advice. He is very proactive and always gets in touch before our fixed rate comes to an end. Highly recommended.”
Whether you are considering your first rental property or already let a property, I can discuss your buy-to-let mortgage needs.
If you are a prospective landlord or already in the buy-to-let market, get in touch.
Arrange a chat about buy to let
Alongside mortgages, I also advise on protection. Speak to me about your circumstances and the cover you would like to discuss.
Arrange a chat about protectionTell me what you would like help with and how to contact you. It isn’t an appointment booking or a mortgage application.
I’ve worked in financial services since 1998 and joined James Miller & Associates in 2011, where I help clients with their mortgage and protection needs.
I was born and brought up in Truro, and I now live on the outskirts of Camborne. I’ve loved travelling since I was young, a curiosity that has taken me to different cultures, cuisines and landscapes around the world.
Away from mortgages and protection, I enjoy exploring Cornwall’s cliff paths, beaches and woodland with my wife and our dog, Rosie.
David Ruse, CeMAP CeRERMortgage and protection adviser, James Miller & Associates
When we speak, ask me about:
“We have been doing business with Dave Ruse for almost 15 years, purchasing 3 houses. The service and communication has always been extremely efficient, and speedy, at times going to extraordinary lengths to satisfy our needs. He is a friendly chap, who values his clients and their needs on a personal basis. We would highly recommend Dave Ruse.”
“Dave has been very helpful with everything whilst I’ve been buying my first house. As a first time buyer you need a bit of extra help filling out the paperwork correctly amongst other things and Dave was always patient and talked me through what I had to do when I needed it. Would highly recommend!”
If you would like to talk through a mortgage or protection enquiry, call or send me a message.
Can’t see your question? Call 07837 118835 or email daveruse@rocketmail.com.
No. You can start with the questions you have. Several clients describe my patient explanations in their Google reviews.
Yes, the initial consultation is free. Ask me about any later advice or arrangement charges and how I am paid.
That depends on your income, spending, existing commitments and the lender’s criteria. An initial indication is not a mortgage offer.
Yes. Lenders’ income-evidence requirements vary. Clients have described my help with self-employed applications, but each application is assessed on its own circumstances.
Mortgage applications typically involve evidence of identity, income, spending and deposit funds. The exact requirements vary. Ask what you need before sending documents, and do not upload or include them in the contact form.
General guidance is to begin reviewing options around six months before a deal ends. Early repayment charges and switching costs also need consideration.
No. It gives an initial indication of what a lender might lend. A full application, further checks and the property assessment still matter.
My opening hours are Monday to Friday, 9am–5pm. Call 07837 118835 or email daveruse@rocketmail.com.
Tell me what you would like help with, and leave the best way to contact you.
Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.