Important Clarification: Rosinca Mortgages is NOT an active lender.
You cannot apply for a new mortgage with Rosinca. It is a "closed book" trading brand used to hold historic mortgages that have been sold by other lenders.
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Recent Activity (Late 2025): Rosinca is still actively acquiring old mortgage books. If you received a "Welcome" letter in October or November 2025, your mortgage has likely just been transferred to them from another lender.
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Who owns your mortgage? The legal lender is Topaz Finance Limited.
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Who manages it? The administration is handled by Computershare Loan Services (often based in Skipton).
If your mortgage has ended up with Rosinca and you want to explore the alternatives available, you can use our free mortgage-sourcing tool below:
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Lender Details
Product Details
Why am I with Rosinca?
You did not choose Rosinca. Your mortgage was sold to them.
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Original Lenders: Most customers originated from Bradford & Bingley, Mortgage Express, or NRAM (Northern Rock).
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Recent Transfers: As of late 2025, Topaz Finance continues to acquire portfolios. If you have just been moved, your terms and conditions (e.g., your interest rate tracker margin) are legally protected and remain the same, but the company you pay has changed.
The "Mortgage Prisoner" Context
Rosinca is an "inactive" lender. This puts many customers in the "Mortgage Prisoner" category.
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No New Deals: Rosinca generally does not offer new fixed-rate products. If your old deal expires, you revert to their Standard Variable Rate (SVR), which is often higher than the high-street average.
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2025 Updates: Throughout 2025, there has been significant political focus on mortgage prisoners (including the Mortgage Prisoners Inquiry Bill). If you are with Rosinca, you should keep a close watch on news regarding "Modified Affordability" checks or government interventions that might help you switch.
Pros and Cons (For Existing Customers)
Pros:
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FCA Regulation: Unlike some "vulture funds," Topaz Finance is fully regulated by the Financial Conduct Authority (FCA). They must treat you fairly and offer forbearance if you are struggling.
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Trackers Honored: If you have a legacy "Base Rate + X%" tracker (often very cheap, e.g., Base + 0.5% or 1%), Rosinca must honor this. Do not switch away from a cheap tracker without getting advice, as you won't get it back.
Cons:
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Inability to Switch Internally: You cannot usually phone them up and ask for a competitive 2-year fixed rate like you can with Nationwide or Halifax.
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Strict Arrears Management: Reviews and Ombudsman decisions in 2024/25 suggest they can be strict on arrears. If you fall behind, they move to enforcement/receivership relatively quickly compared to high-street banks.
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Admin Fees: As a closed book administrator, they often charge higher administrative fees for non-standard requests (like consents to let or deed variations).
What can you do?
If you are on a high variable rate with Rosinca:
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Check "Modified Affordability": Active lenders like West Bromwich Building Society, NatWest, and Halifax have specific criteria to accept mortgage prisoners who cannot pass standard income checks but have a clean payment history.
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Use a Specialist Broker: Do not use a price comparison website. You need a broker who specializes in "trapped" borrowers.
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Do NOT ignore letters: If you are in arrears, contact them immediately. As an administrator, they have less commercial incentive to be lenient than a bank that wants your future business.
Get started here to book a free, no-obligation chat with a mortgage broker who can help you explore every option and discuss alternative lenders that you could move to from Rosinca.
FAQs
No. Because Rosinca Mortgages is an "inactive" or "closed book" lender, they do not offer additional borrowing for home improvements, debt consolidation, or extensions. If you need to borrow more, your only option is to remortgage to a new lender (if you meet their criteria) or take out a separate secured loan with a different provider.
