--- title: Mortgage Advice in Rugby | Jigsaw Independent Mortgages description: Independent, whole-of-market mortgage advice in Rugby from Jigsaw. Ramy Sabri helps buyers and homeowners across Rugby and the surrounding Warwickshire villages find the right mortgage. --- [![Jigsaw-logo-master-01 (1)](https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png?width=173&height=85&name=Jigsaw-logo-master-01%20(1).png "Jigsaw-logo-master-01 (1)")](https://www.jims.co.uk/) # Independent Mortgage Advice in Rugby #### Local advice from an adviser who understands the Rugby property market. Collette Waugh is Jigsaw's adviser for Rugby and the surrounding area. She works with buyers and homeowners across the town - from Hillmorton and Bilton to Cawston, Brownsover, and the historic town centre streets - as well as the villages stretching out towards Dunchurch, Long Lawford, and the Warwickshire countryside. Rugby offers some of the best value in the county. With a median house price around £285,000 - broadly in line with the national average but significantly below the Warwickshire county median - it's accessible for first-time buyers and attractive for families looking to upsize. The town's fast rail link to London Euston (under an hour) makes it increasingly popular with commuters, and the western growth area is bringing thousands of new homes to the market over the coming years. As a whole-of-market adviser, Collette isn't tied to any bank or lender. She'll compare thousands of products to find the right mortgage for your situation - whether you're buying for the first time, moving within the area, or looking to remortgage. ![Collette Waugh](https://www.jims.co.uk/hubfs/collette-waugh-profile.png "Collette Waugh") #### Collette Waugh #### Whole-of-market - thousands of products compared Whole-of-market - thousands of products compared #### Independent - not tied to any lender Independent - not tied to any lender #### Rate match guarantee Rate match guarantee #### Free to get started Free to get started [Book your free appointment](https://www.jims.co.uk/mortgage-advice-rugby#calendar) **Independent & whole-of-market - we work for you** Independent & whole-of-market - we work for you **23 years finding the right mortgage for our clients** 23 years finding the right mortgage for our clients **Combined team experience of over 100 years** Combined team experience of over 100 years **Zero cost to get started and free, no-obligation advice** Zero cost to get started and free, no-obligation advice ## Three steps to the right mortgage ### Step 1 #### Book a free call with Collette Choose a time that works for you - phone, video or in person. Collette will take the time to understand your income, deposit, and what you're hoping to achieve before making any recommendation. ### Step 2 #### Find the right mortgage for your situation Collette will search across the whole market - not just the deals on the high street - to find mortgage products that fit your specific circumstances. You'll get an honest view of your options with no pressure to proceed.  ### Step 3 #### We manage everything through to completion Once you're ready, Collette handles the application from start to finish — securing your Agreement in Principle, managing paperwork, and keeping things on track right through to completion. [Book your free appointment](https://www.jims.co.uk/mortgage-advice-rugby#calendar) ## What we hear from Rugby buyers #### "Is now a good time to buy in Rugby?" Rugby's market is active, with over 1,250 sales in the last 12 months and a growing number of new developments. Prices have remained relatively stable, and with interest rates gradually easing, many buyers are finding it a good moment to move. Collette can give you an up-to-date view when you speak. #### "I'm a first-time buyer - are there realistic options at Rugby prices?" Rugby's average first-time buyer price is around £234,000, which compares very favourably to many surrounding towns. There's a good range of entry-level properties, and Collette will help you understand exactly what your budget and deposit make possible. #### "I'm looking at a new build on one of Rugby's new developments - does that change anything?" New-build mortgages can work slightly differently - some lenders offer specific incentives or have different maximum loan-to-value ratios. Collette knows the nuances and will find the right product for your new-build purchase. #### "I've got a good income but a complicated employment history." Lenders vary a lot in how they treat gaps in employment, career changes, or non-standard contracts. Collette will find the lenders most likely to work with your specific situation, rather than putting you in front of the wrong one. #### "I'm thinking of remortgaging - how do I know if it's worth switching?" It takes one conversation to find out. Collette will compare your existing deal against the full market and give you a clear, honest answer on whether switching saves you money - and handle the process from there if it does. #### "Why should I use a broker rather than going direct to my bank?" Your bank will only show you their own products. As whole-of-market advisers, we compare thousands of products across every lender - and our rate match guarantee means if you find a better deal elsewhere, we'll match it or pay the difference. ## Ready to talk? Book your free appointment with Collette  Whether you're buying your first home, upsizing, or remortgaging in Rugby - Collette is here to help. Pick a time and she'll call you back.  #### Free, no-obligation appointment Free, no-obligation appointment #### No credit impact to get started No credit impact to get started #### Phone, video or in-person Phone, video or in-person #### Serving Rugby, Hillmorton, Dunchurch, Cawston and beyond Serving Rugby, Hillmorton, Dunchurch, Cawston and beyond ![Rate match guarantee](https://www.jims.co.uk/hubfs/Gurantee%20(2).svg) ### Rate match guarantee #### You won't find a better deal anywhere else and if you do we will pay the difference! ### Whether you're buying or remortgaging, we’ll give you clear advice so you can make informed decisions [![Call us](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-388830883035.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLKWJ0q%2FeE1YsADK4SaCuyJiwt052yl6zw8tGymXFM4NI4F0QKzZ7pRThAy5yAlbKDQcZapX7VQEk2h6icmjYwq5WkKCdbjXpSZFxg7Hj5SPgykLwEti6kxBKVMsa%2F6GD%2Bc8uCKCahjME%2BSFfSCGgArohDK893s88Tt9R5SHj0lg5qPUNfSerQ%3D%3D&webInteractiveContentId=388830883035&portalId=146424792) #### [![Jigsaw Independent Mortgage & Insurance Specialists](https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png?width=182&height=89&name=Jigsaw-logo-master-01%20(1).png)](https://www.jims.co.uk/) 104 - 106 Moseley Avenue, Coundon, Coventry, CV6 1HQ **Registration No:** 04654900   [0800 177 7890](tel:%200800%20177%207890) [info@jigsawindependent.co.uk](mailto:info@jigsawindependent.co.uk) About - [About us](https://www.jims.co.uk/about-us) - [Meet the team](https://www.jims.co.uk/meet-the-team) - [Blogs](https://www.jims.co.uk/blog) Mortgages - [First time buyers](https://www.jims.co.uk/mortgage-for-first-time-buyers) - [Remortgaging](https://www.jims.co.uk/remortgage-broker) - [Buy to let](https://www.jims.co.uk/buy-to-let) - [Limited company directors](https://www.jims.co.uk/mortgage-for-limited-company-director) - [Self employed](https://www.jims.co.uk/mortgage-loans-for-self-employed) - [Product transfer](https://www.jims.co.uk/mortgage-product-transfer) - [Mortgages over 50s](https://www.jims.co.uk/mortgage-for-over-50) Insurance Protection - [Life insurance](https://www.jims.co.uk/life-insurance-for-mortgage) - [Critical illness cover](https://www.jims.co.uk/critical-illness-cover-uk) - [Mortgage protection](https://www.jims.co.uk/mortgage-protection-coverage) - [Family protection](https://www.jims.co.uk/family-protection-cover) - [Income protection](https://www.jims.co.uk/income-protection-cover) Jigsaw Independent Mortgage Specialists Ltd is Authorised and Regulated by the Financial Conduct Authority (FCA Number: 449134). Your home may be repossessed if you do not keep up repayments on your mortgage. Copyright © 2026 Jigsaw Independent Mortgage Specialists. Designed & developed by [JDR Group](http://www.jdrgroup.co.uk). - [Terms](https://www.jims.co.uk/terms-conditions) - [Privacy](https://www.jims.co.uk/privacy-policy) - [Cookies](https://www.jims.co.uk/cookie-policy) ```json { "@context" : "https://schema.org", "@type" : "LocalBusiness", "address" : { "@type" : "PostalAddress", "addressCountry" : "UK", "addressLocality" : "Coventry", "postalCode" : "CV6 1HQ", "streetAddress" : "104 - 106 Moseley Avenue, Coundon" }, "alternateName" : "Jigsaw Independent", "contactPoint" : { "@type" : "ContactPoint", "areaServed" : "GB", "availableLanguage" : "en", "contactType" : "customer service", "telephone" : "+44 800 177 7890" }, "geo" : { "@type" : "GeoCoordinates", "latitude" : 52.4196, "longitude" : -1.5343 }, "image" : "https://www.jims.co.uk/hubfs/Jigsaw%20Mockup.svg", "logo" : "https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png", "name" : "Jigsaw Independent Mortgage Specialists Ltd", "openingHours" : [ "Mo 09:30-18:00", "Tu 09:30-18:00", "We 09:30-18:00", "Th 09:30-18:00", "Fr 09:30-18:00", "Sa Closed", "Su Closed" ], "priceRange" : "£", "sameAs" : [ "https://www.facebook.com/jigsawindependent/" ], "telephone" : "0808 531 0462", "url" : "https://www.jims.co.uk/" } ``` ```json { "@context" : "https://schema.org", "@type" : "WebPage", "description" : "Independent, whole-of-market mortgage advice in Rugby from Jigsaw. Ramy Sabri helps buyers and homeowners across Rugby and the surrounding Warwickshire villages find the right mortgage.", "inLanguage" : "en-GB", "name" : "Mortgage Advice in Rugby | Jigsaw Independent Mortgages", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png" }, "name" : "Jigsaw Independent Mortgage Specialists Ltd", "url" : "https://www.jims.co.uk/" }, "url" : "https://www.jims.co.uk/mortgage-advice-rugby" } ``` ```json { "@context" : "https://schema.org", "@type" : "BreadcrumbList", "itemListElement" : [ { "@type" : "ListItem", "item" : "https://www.jims.co.uk/", "name" : "Home", "position" : 1 }, { "@type" : "ListItem", "item" : "https://www.jims.co.uk/mortgage-advice-rugby", "name" : "Independent Mortgage Advice in Rugby", "position" : 2 } ] } ```