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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
Whole-of-market - thousands of products compared
Independent - not tied to any lender
Rate match guarantee
Free to get started
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.
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.
Free, no-obligation appointment
No credit impact to get started
Phone, video or in-person
Serving Rugby, Hillmorton, Dunchurch, Cawston and beyond
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