Written by Mark Langshaw Reviewed by Lee Trett
19 June 2026
Lowest rate is currently 3.96% - 25 months tracker interest only mortgage at 60% LTV
14 June 2026
Lowest rate is currently 3.96% - 2 years tracker interest only mortgage at 75% LTV
13 June 2026
Lowest rate is currently 4.45% - 2 years tracker interest only mortgage at 75% LTV
6 June 2026
Lowest rate is currently 3.96% - 2 years tracker interest only mortgage at 75% LTV
5 June 2026
Lowest rate is currently 4.45% - 2 years tracker interest only mortgage at 75% LTV
11 March 2024
First Published
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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A repayment mortgage of over year, APR %. Total payable (incl. product fees of ). Repayments: months at (%), then months at (%, variable). Early repayment charges apply. Rates not guaranteed.
About these rates
Rates shown are illustrative based on the property value, mortgage amount, and term you entered above. Actual rates and total cost depend on your credit profile, deposit, and lender assessment. APR figures include product fees where applicable. Early repayment charges may apply. Rates are not guaranteed and may change before you apply - speak to an adviser to confirm what's available to you today. For a per-product representative example, open Show full details on any card above.
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.
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.
Generally, No. Rosinca does not usually offer "product transfers" (switching to a new deal internally). When your current deal expires, you will typically move onto their variable rate. To get a fixed rate, you usually have to leave Rosinca and remortgage to a high-street bank.
Topaz Finance is the legal owner of your mortgage.
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Rosinca Mortgages is just a trading name (a brand).
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Topaz Finance is the company regulated by the FCA.
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Computershare is the parent company that actually employs the staff and runs the call centre in Skipton.
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Note: You might see "Topaz Finance" on your credit report instead of Rosinca. This is normal.
Yes. Most Rosinca mortgages allow you to make overpayments to reduce your balance and save interest.
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You can usually set up a Standing Order or make ad-hoc payments via their online "Self-Serve" portal.
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Check your terms: Some historic mortgages have limits (e.g., 10% per year) or penalties for overpaying, though this is rare on variable rate products.
You must contact them immediately.
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As an FCA-regulated firm, they are legally required to offer forbearance (help) if you are in financial difficulty. This might include a temporary payment plan or switching to interest-only for a short period.
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Warning: Because they are an investment-backed administrator, they can be quicker to start enforcement proceedings (repossession) than high-street banks if you ignore their letters. Do not bury your head in the sand.
Your original lender (likely Bradford & Bingley, Mortgage Express, or NRAM) exited the mortgage market years ago. They sold your loan to Topaz Finance (Rosinca) to recover the money. You cannot "refuse" this transfer, as the terms and conditions of your original mortgage allowed the debt to be sold to a third party.