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Helping you get the keys to your new home and a good deal on your mortgage...  

Buying your new home is exciting. We know you can’t wait to move in. You’re looking at paint charts and think about where you will sit and have breakfast. 

But we also know the path to your new front door includes saving for a deposit, comparing mortgager deals, paperwork and conversations you’ve never had before with estate agents, solicitors and mortgage lenders.

We’re here to make arriving at your new home easier. We will take you through the process step by step and once you’re in your new home we’ll still be here for you when its time to move to a new deal.

Meet the team

Neezam Romjon

Mortgage & Protection Advisor

Something people don’t know about me…   

In 2012 I reached the summit of Mt. Kilimanjaro and raised over £2,500 for CLIC Sargent in sponsorship.

My Superpower is… 

I love meeting and getting to know people, so I’d have to say my superpower is communication. I think it’s one of the reasons I enjoy giving advice, understanding what’s important to our clients is the first thing we do.

I love my job because…

I can to solve problems for other people.

I get to speak to people every day, which I love doing (as above!).

I can really make a difference to somebody else’s life and future.

In a parallel universe, I am…

Probably pursuing a music career in a mediocre indie band!

Lee Gathercole

Mortgage & Protection Advisor

Something people don’t know about me… 

I have a computer science degree and an obsession with technology. Well, gadgets!

My Superpower is…

Problem solver, I love solving problems! Although I would prefer not to have them both in my work and home life, we do come across many obstacles along the way. However I am always up for the challenge.

I love my job because…

It is quite simple for me, I just love the end result.

Being able to make my clients homebuying dreams a reality, and hearing how I have changed their lives is exactly what it’s all about for me.

In a parallel universe, I am…

A gadget tester at a top tech company in Silicon Valley.

Joy Ayres

Broker Personal Assistant

Something people don’t know about me…   

I bought my first home with my boyfriend when I was just 19.

My Superpower is…

I would say that my Superpower is organisation, which definitely makes life a lot easier both at home and in the workplace. I am one of those people that loves a list!

I love my job because…

I get to help people from all different walks of life.

No two days are the same.

I can help solve problems and achieve a positive result.

In a parallel universe, I am…

Working as an interior designor / decorator. I am always scrolling through Instagram for new ideas and trends which inevitably end up in my home!

Ben Taylor

Mortgage & Protection Advisor

Something people don’t know about me…  

I have 4 beautiful children, we love to roam the woods, rivers and fields and find cool places to visit such ruins, manors and old military sites.

My superpower is…

A thirst for knowledge, I love to be a sponge and learn as much as possible. This means mortgages, protection and general property information but also about my customers, this is so I know what makes them tick, what I can do to help in their property search and how I can advise them best.

I love my job because…

The moment someone tells me they found THE property. Such a great feeling, closely matched by the day they move in and we can congratulate them.

In a parallel universe, I am…

A professional mountain bike/motorcyclist of some sort. Basically, I just want to ride around on 2 wheels!

Erika Bartkute

Broker Personal Assistant

Something people don’t know about me…   

I am a terrible bicycle rider. Whilst many people enjoy bike rides, I will always try to avoid them.

My Superpower is…

I can speak 4 different languages. Being able to communicate in another language makes communication easier and gives me a greater understanding of others.

I love my job because…

Buying a house is very important but it can be overwhelming. To know that I helped someone’s dream come true is very rewarding.

In a parallel universe, I am…

A highly qualified surgeon. Helping people by performing the most complex operations in the most extreme situations!


Nadine Tippell

Mortgage & Protection Advisor

Something people don’t know about me…   

I have become a reluctant baker. I have two beautiful children and made a promise to myself when they were born that I would make their birthday cakes. This has backfired as most recently my son requested two cakes for his birthday, a Hulk and Spiderman cake

My Superpower is…

Integrity- It is so important to me that my clients feel they can trust me to find them the best options and to advise them of the best way forward should we come up against any hurdles

I love my job because…

I can help my clients not just once! I love being able to speak to my clients about their changing plans over the years and really get to know them along the way.

In a parallel universe, I am…

Famous novelist as I love the escapism reading a great book gives me. I would love to be able to write novels that my readers just couldn’t put down.

We give you mortgage advice. Plain and simple.

We are mortgage experts.

We pride ourselves in our expertise in the mortgage market and our strong banking relationships ensure high success rates.

We are school friends who were reunited when Neezam applied for a job at the same mortgage brokerage Lee was working for. We had both been working in financial services for several years and often talked about what we would do if we created our own mortgage and protection brokerage.

We realised that we shared a vision and that our values were also very similar. We want to help people prepare for buying their own home, at a much earlier stage. We kept seeing the same issues which could have been avoided if homebuyers had been given the advice they needed, much sooner.

Buying a house is exciting! We love seeing people move into their dream home.

We’re Peterborough born and bred and wanted to help people in our home city. We created Rebus to give first time buyers the knowledge they need to get the keys to their own home, without falling into the same traps as many others.

*”Rebus” was our project name for our business while we were in the early stages of setting up. Lee came across ‘rebus’ when he was Googling Latin words and it stuck. It means ‘affairs’, as in, we will help you get your affairs in order! 

Frequently Asked Questions

If you were going to buy a sandwich, would you go to a shop which only sold cheese sandwiches or would you go somewhere with a range of different fillings, which could also cater for vegans and provide gluten free options? 

It’s the same when you are looking for a mortgage. You might need a specialist product or someone to guide you through Help To Buy. Perhaps you are self-employed. We will help you find the mortgage most suited to your needs and give you all the information you need to make a decision. By asking us to find your mortgage deal, you are widening your options..

Your current mortgage is the one that suited you when you moved into your home. Now you are looking for a new property, or have found one, it’s a good time to look at whether it is still a good product for you. Interest rates change. Your income might have changed. So might your outgoings. What was right for you 12 months ago, 5 years ago, or even longer, may not be a good fit for you now. 

Come and have a chat about your new home and your finances and we will see if we can save you money.

We always recommend regularly reviewing your mortgage. It could save you thousands of pounds. Come and have a chat with us and we will look at all the options for you. When you become a Rebus customer, for as long as you have got a mortgage we will be here to check your mortgage is working for you. We will contact you with plenty of time before your fixed rate ends to switch you over to a new deal either with the same lender or a more competitive one.
No you don’t. Get in touch with ys at the earliest point in your property search so you can plan what you are looking for and what your payments will be. We don’t charge you a fee until you secure your mortgage offer. By discussing the options with us early, we can give you a better chance of finding a good deal and you will know what your costs are going to be and put a budget in place for that.
Yes we can. Sometimes your existing lender isn’t able to give you the mortgage you need. Don’t worry – we can help you find a more suitable lender for your circumstances. We will go through your finances with you and the details of your purchase and search the market on your behalf.

Remortgaging your property is a good opportunity to look at whether you could change your mortgage term. This is how many years it will take you to pay off your mortgage. You might want to extend it to reduce your monthly payments, or reduce it to pay your mortgage off more quickly and pay less interest. We will talk to you about the options and assess the affordability of this for you.


We know life doesn’t always go as planned…

Between us, we’ve wasted a degree, left a secure job to go backpacking for a year and tried one career path, only to find ourselves on another. These are things which some people would consider negative, but we know that this is all part of living your life. 

Travelling the world was a lifetime ambition for Neezam. He visited to China, Thailand, Vietnam, Australia, New Zealand, Hawaii and across mainland USA. It gave him valuable life experience and helped him to further develop his understanding of different cultures. 

Lee achieved a computer science degree! Whilst at University, he was looking for a job and a friend who worked for a financial broker invited him to design their website. There wasn’t enough work to keep Lee occupied so he started reading the mortgage text books lying around the office. He got qualified and stayed on at the firm as a mortgage broker. 

These things weren’t planned, but they haven’t stopped us buying our own home and have led us to running our own business together. So if there is something in your past you think might be a barrier or an issue on your credit report you need help working through, come and talk to us. 

How we work...

Our team is available to talk online, on the phone, at our office, or at a location in Peterborough that suits you. 

You will have a strategy conversation with us to begin with so that we know your circumstances.

You might have put an offer in on a property, you might be starting to save for a deposit, or your current mortgage might be coming to an end and you need to find a new deal. We’ll talk you through everything and answer any questions you have.

Then you will get an email letting you know exactly how much you can borrow, what the rates are, what your payments are going to be, and what fees you’ll need to budget for. We will also tell you what documents you need to supply. You will be able to upload these to our online portal where you can see everything about your mortgage application in one place.

We’ll also have a chat about how you will pay your mortgage if something happened to you or your income.

Once you’ve chosen a mortgage, Joy will keep you informed every step of the way about how your application is progressing. She will also check in with your solicitor to make sure your purchase is on track.

When your mortgage deal is coming to an end, we’ll be in touch to find you a new one so you are not paying more than you need to.