Protect what matters
most to you.

Safeguarding you and your home from the unexpected.

WHY WORK WITH US?

At Rokform Finance, we pride ourselves on delivering exceptional service and expertise to meet all your protection needs.

Tailored Solutions

We understand that every client is unique. Our insurance solutions are designed to meet your specific needs.

Expertise in Protection

With extensive experience in the industry, our team offers unparalleled knowledge and insights.

Comprehensive Services

Whether you need life cover, critical illness cover or income protection, our team can guide you through the process.

Life Insurance

  • Life cover – this can either be on a decreasing scale in line with the mortgage balance or on a level term basis, which pays out a guaranteed amount.
  • Family income benefit cover (FIB) – this will be a regular monthly income to your family in the event of death to cover their regular outgoings or expenses. (This can also be applied to payout in the event of a terminal illness).
Life insurance
Illness and Unemployment Cover

Illness and Unemployment Cover

  • Critical Illness Cover (CIC): This pays out a lump sum in a number of pre-determined illnesses should they happen one of the policyholders). The purpose of this cover is to help the applicant and their family focus on the road to recovery rather than their financial burdens at such a sensitive moment.
  • Income Protection Cover (IP): This pays out a regular monthly income in the event that one of the policy holders is unable to work for a pre-determined term.
Illness and Unemployment Cover

Commercial Related Insurance

  • Relevant life
  • Shareholder Protection (or Ownership Protection)
  • Key Person Insurance
  • Loan Protection (Directors’ Loans/Business Loans)
Commercial Related Insurance
Residential Property Insurance

Residential Property Insurance

  • Homeowners Insurance: Protect your home against damage, theft, and other risks.
  • Buy-to-Let Insurance: Specialised coverage for landlords renting out residential properties.
Residential Property Insurance

Auction Purchase of a Vacant Bank

Our client lost their funding at the 11th hour and subsequently had Notice to Complete served on them, leaving them at risk of losing their 10% deposit, we issued terms same day and completed within 7 days of instruction. The client will apply for planning to convert the upper floors to Residential and look to retain the block long term.

FINANCIALS
Purchase price: £144,000
Bridge loan – 75%: £108,000

8 Bed HMO

Our client was purchasing a bungalow with planning pending to convert to a 8 bed HMO, the lender chosen was flexible with the planning pending to complete on the purchase, and once the drawdown facility would kick in.

New Build HMO

New Build HMO Bristol

Our client was purchasing a plot of land with planning to build a 6 bed HMO, we found a lender that could complete very quickly to ensure the clients offer was attractive to the motivated seller.

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Paul Catchlove profile picture
Paul Catchlove
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I was recommended Rokform Finance by a family member who had recently moved and used them as there mortgage broker with Kelly Flanagan being their mortgage broker who they said was absolutely amazing. As a first time buyer, I was nervous about the whole process, but Kelly again has been nothing short perfect. She was always chasing up the relevant parties (including myself) to keep the process moving as smooth as possible. Also I was also lucky enough to have Lorna Melhuish be part of my team and she definitely was just as amazing. If you are moving now or any time in the future, I would definitely recommend Rokform.
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Hollie Ricketts profile picture
Hollie Ricketts
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After a recommendation from a friend we decided to use Rokform Finance to help us get a mortgage for our 1st house purchase. From day 1 I was impressed with the professionalism and expertise from both Kelly and Lorna. The speed they managed to get our file up and running to getting our agreement in principle to then getting the application in and approved was amazing. They took a lot of the stress off of my shoulders and were positive and supportive. Always keeping us updated all the way through. All I can say is thank you thank you thank you. Simon & Mel
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Dan Jefferys profile picture
Dan Jefferys
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We just completed on our first family home which was a VERY rushed auction purchase over the Christmas break. First week back and Kelly had managed to secure us a suitable bridging loan lender who was able to work to our timeline. Could not be happier with the outcome - thank you Rokform <3
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Nick Heal profile picture
Nick Heal
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I would recommend Rokform finance for a fast and efficient service. Kelly and Lorna in particular were very helpful.
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Wayne Neale profile picture
Wayne Neale
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Rokform Finance saved us money, time and stress! Kelly was fantastic and helped us with our remortgage. She listened to our goals and took the time to look at all the options available to us. Lorna was fabulous, we locked in 6 months before our mortgage product ended, she regularly checked rates and managed to reduce our monthly payments twice, saving us money. Kelly also reviewed our protection, putting better terms in place so our family and home are protected. Thank you again.
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Lauren Sollis profile picture
Lauren Sollis
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Kelly at Rokform Finance was incredible. After a bad experience with a previous mortgage advisor Kelly was recommended to us and was super helpful and couldn’t do more for us. She handled everything, kept in contact with us regarding any progress updates and we couldn’t be happier with the service we received. Would definitely use her again and recommend to others!
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Jasmin Petty profile picture
Jasmin Petty
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Brilliant quick service that made buying my house possible when for 2 years it had not seemed an option. Thank you Kelly and Lorna
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Zoe Iacovou profile picture
Zoe Iacovou
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Kelly and Lorna helped us with quite a complex mortgage involving bad credit and were really helpful in finding a lender that would lend to us and getting us a good deal. They were very quick to respond and kept us really well informed throughout. Would highly reccommend to anyone looking for a mortgage!
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Ben Flight profile picture
Ben Flight
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A Lifesaving Team in Property Finance – Jon & Kelly Are Simply Outstanding I met Jon O’Malley at a TDN networking event in January 2025. He struck me as honest, knowledgeable, and down-to-earth, so I kept his details. Months later, I was deep into a complex property development project and facing serious refinancing issues. I reached out—and I’m so glad I did. Jon and his broker Kelly came to see me in person to understand my situation. I had purchased a severely run-down HMO at auction using bridging finance, and after renovating it, I was ready to refinance. But due to following inaccurate advice, I hit a wall. The bridging loan couldn’t be refinanced as planned, and I was overwhelmed with options—selling a BTL, re-mortgaging, another bridge, even selling our future home. Jon and Kelly stepped in with calm, expert guidance. They visited us multiple times, listened carefully, and mapped out a clear path forward. Within weeks, our situation had completely turned around. I only wish I’d met them earlier—it would’ve saved thousands in interest and months of stress. Kelly’s knowledge was especially invaluable. The bridging loan was secured against two properties—our future home and my mum’s house—under one account, making the exit complicated. Kelly worked tirelessly to find solutions, staying in touch even when I was stressed and confused. She secured a residential mortgage for our home with minimal paperwork and lightning speed. For my mum’s house, Kelly found an equity release mortgage that allowed my mum to take it on solo—no income requirements, no monthly payments. This not only helped us exit the bridge but also saved me from higher-rate stamp duty. Kelly even visited my mum twice to ensure she fully understood everything. The equity release product also included a clause allowing early repayment without penalties if my mum needed to move in with us for care—an incredibly thoughtful touch. Despite hiccups with surveyors and legal complexities, Kelly navigated every challenge. She recommended a solicitor for my mum’s mortgage who could visit her in person, and she and Lorna chased solicitors relentlessly, taking the pressure off me. We completed the second mortgage on October 3rd—just in time to repay the bridging loan by the October 4th deadline. Kelly also arranged a BTL re-mortgage, releasing funds and avoiding a sale. Her qualifications across residential, BTL, and later-life mortgages made her a one-stop solution. Jon and Kelly’s support was more than just financial expertise—it was personal. They always made time for face-to-face meetings, explained every option clearly, and genuinely cared about helping us find the best outcome. Thanks to you both! Ben
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Richard Kerr profile picture
Richard Kerr
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Rokform were of great assistance on our refinance
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Case Study: Income Protection

A Lifeline for a Self-Employed Tradesperson

Our client was a self-employed carpenter, with no guaranteed work and no sick pay. On the advice of their mortgage adviser, they decided to take out income protection. Two years later, they became seriously ill and were admitted to hospital. They lost the use of their right hand and much of the mobility in their left. The diagnosis was Vasculitis, which meant they could no longer return to their trade. Fortunately, their income protection policy paid out the full benefit.This financial support was a huge relief, allowing them to focus on recovery without the stress of unpaid bills. For anyone self-employed, income protection can be invaluable. It provides peace of mind when life takes an unexpected turn.

CONTACT US

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    Rokform Finance is a trading style of Rokform Mortgages Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority, number 1031889. Registered in England and Wales no 16184015, Registered Address: 195-197 Whiteladies Road, Bristol, England, BS8 2SB. Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Equity Release – This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice. Some forms of Buy to Let mortgages and Commercial Finance are not regulated by the Financial Conduct Authority. Rokform Mortgages Ltd are not authorised to provide advice on Commercial products, these will be referred to a third party. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.