Ranjoth Johal

Protect and Lend

Garfield House, Rayleigh, Essex, SS6 7QA

FCA Number: RXJ54759

9.9 out of 10
9 verified reviews on
Verified Advisers
Based in Loughborough Leicestershire. I can provide whole of market advice for Mortgages, Insurance and Equity Release. I help clients make the right financial choice by providing independent advice that keeps them protected. My advice is transparent, impartial and honest.

I advise on

Mortgages Home Mover
Mortgages First Time Buyer
Mortgages Buy to Let
Over 55s Equity Release
Lifetime Mortgages

Accreditations

Diploma for Financial Advisers (DipFA)
Certificate in Mortgage Advice and Practice (CeMAP)
Certificate in Regulated Equity Release (CeRER)

Consumer Duty scores

Products and Services

9.8 / 10

Based on 10 responses

Price and Value

9.8 / 10

Based on 10 responses

Consumer Understanding

9.8 / 10

Based on 10 responses

Consumer Support

9.8 / 10

Based on 10 responses

Last updated 19 September 2026

What clients say

Ranjoth was really helpful from the first moment. Walked us through everything and gave honest and helpful advice. Highly recommend.

August 2026

Ranjoth is great, he always helps me understand the difficult things and explains things in an easy to understand manner. He always is keeping himself up to date with the latest macro news and helps secure his clients the lowest rates. Really enjoy the smooth working relationship we have.

August 2026

Ranjoth is an fantastic broker who always goes above and beyond. I have been using him as my broker since 2021. He is very knowledgable, always thinks about the bigger picture, has great experience/exposure to unique types of cases and always puts himself in the clients shoes. If you ever require any mortgage/BTL advice, guidance or quotes, Ranjoth is the broker you want!

August 2026

I can’t recommend Ranjoth highly enough. This is the third time I’ve used him as my mortgage advisor, and once again he delivered an outstanding service. He recently arranged my buy-to-let mortgage and made the whole process smooth and stress-free, keeping me fully updated throughout. His professionalism, clear communication, and ability to explain everything simply gave me complete confidence at every stage. Ranjoth consistently goes above and beyond, and I wouldn’t hesitate to recommend him to anyone looking for a reliable and highly experienced mortgage advisor.

August 2026

Tailored service, knowledgeable and highly responsive. Great experience each time

July 2026

Ranjoth Johal
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