Poorna Gunasekara

Poorna

Gunasekara

Qualifications:
CeMAP, BSc, MBA
Gender:
Female

Appointment Options:

 
Face-to-face, Online, Telephone

Location:

Essex

Language(s):

English

Sinhala
Poorna ‘s top skills:
Over a decade of experience in mortgage brokering, credit analysis, and property finance, offering tailored mortgage solutions for diverse financial situations.
Expertise in securing mortgages for self-employed individuals, those with adverse credit, and clients with non-standard property types, ensuring suitable financial solutions.
Fluent in Sinhala and English, providing clear communication and a seamless mortgage process while offering personalised support from application to completion.
More about Poorna :

Poorna Gunasekara – Trusted Mortgage Broker in Romford, Essex

Are you looking for an experienced mortgage broker in Romford, Essex? I’m Poorna Gunasekara, a qualified mortgage and protection adviser dedicated to helping individuals and businesses secure the right financial solutions for their property needs.

With qualifications including CeMAP, an MBA from the UK, CIMA(BA), and a BSc, I bring a strong financial background to the mortgage industry. My professional experience spans over a decade, including roles as a relationship manager and senior credit executive, where I developed expertise in credit analysis, portfolio management, and property finance.

Comprehensive Mortgage Services in Romford, Essex

I provide expert advice on a wide range of mortgage products, including:
✔ Residential Mortgages – Helping first-time buyers and home movers secure competitive deals.
✔ Buy-to-Let Mortgages – Assisting landlords in building and managing property portfolios.
✔ Commercial Mortgages – Supporting businesses in securing property finance.
✔ Bridging Finance – Offering short-term funding solutions for property purchases or refurbishments.
✔ Second Charge Mortgages – Providing additional borrowing options secured against existing properties.
✔ Protection & General Insurance – Ensuring clients and their assets are fully protected.

Whether you are purchasing your first home, expanding your property investments, or looking for a better mortgage deal, I provide tailored solutions designed to match your specific financial circumstances.

Serving Clients Across Romford and Surrounding Areas

I offer mortgage advice across Romford, Essex, and neighbouring areas, including: ✔ Hornchurch✔ Upminster✔ Dagenham✔ Ilford✔ Brentwood✔ Barking

Expertise in Complex Mortgage Cases

I specialise in assisting clients with unique financial situations, including self-employed individuals, those with adverse credit histories, and clients with non-standard property types. If you’ve struggled to secure a mortgage through high street lenders, I can explore alternative options tailored to your needs.

A Multilingual Mortgage Broker in Romford

I am fluent in both Sinhala and English, ensuring clear communication and a smooth mortgage process for a diverse range of clients. Whether you prefer discussing your mortgage in Sinhala or English, I provide expert guidance in a language you’re comfortable with. Mortgage Broker in Romford

Why Choose Me as Your Mortgage Broker?

✔ Access to a Wide Panel of Lenders – Offering competitive and exclusive mortgage deals.
✔ End-to-End Support – Managing the process from application to completion.
✔ Tailored Mortgage Advice – Finding solutions based on your individual circumstances.
✔ Dedicated Customer Service – Ensuring a smooth and stress-free experience.

If you need expert mortgage advice in Romford, Essex, get in touch today. I’m here to help you secure the right mortgage or protection plan to suit your needs.

Really helpful and thorough. Our advisor, Poorna Gunasekara, was incredibly friendly and patient and answered all our questions and kept us updated throughout the whole process, very reassuring for first time buyers

Amy Inglis

Amazing service from Poorna Gunesekara. Fast and quick, plus always available to assist with last minute queries.

Sami London

Poorna has been very helpful . Other Brokers said No but She managed to get Mortgage offer. Very grateful . Thank you so much

Abdullah Bhatti

I recently had the pleasure of experiencing Poorna's service, and I must say, it was exceptional! From the moment I reached out, Poorna was incredibly responsive and attentive to my needs. The level of professionalism displayed was remarkable. Poorna took the time to understand my requirements thoroughly, ensuring that every detail was addressed. The service was not only efficient but also delivered with a personal touch that made me feel valued as a customer. What truly stood out was Poorna's expertise and knowledge in the field. It was evident that she is passionate about what she does, and that enthusiasm translated into the quality of service provided. I was particularly impressed with how she went above and beyond to ensure that I was completely satisfied.

Gunjan Kaur

A big thank you to my mortgage adviser, Poorna, for her exceptional support throughout my mortgage application. Her positivity and expertise gave me confidence, and she handled every challenge with ease. Always available and clear in her explanations, Poorna made the process smooth and stress-free. I highly recommend her and Connect Mortgage!

Krishan Jayakody

we are extremely pleased with the re-mortgage of our property arranged by 'Poorna'. She is knowledgeable and prompt in answering the queries raised by the Lenders. Her work is simply 'excellent'

Raja Thava

Choosing the Right Mortgage Lender: It's More Than Just Interest Rates!
14/01/2025
Finding the best mortgage lender for your unique circumstances takes expertise and careful consideration. It's not like 20 years ago when picking the lowest interest rate was the only factor. Today, things are much more nuanced:

✔️ Borrowing Limits: Different lenders have varying policies on how much you can borrow.
✔️ Specializations: Some focus on specific property types or cater to particular employment situations.
✔️ Credit Scoring Approaches: Lenders assess credit differently, meaning your options can vary widely.

Pro Tip: Work with a professional mortgage advisor to navigate these complexities and get it right the first time. They can save you time, stress, and money!

You can contact me below or book an appointment in my calendar if you’d like advice
Best Credit Report Tip for Mortgage Applications
21/01/2025
Did you know mortgage lenders can assess your creditworthiness using three different credit reference agencies? These are Experian, Equifax, and TransUnion. Monitoring just one agency could leave you unaware of potential issues with the others.

For example, a small credit issue might show up on TransUnion but not on Equifax or Experian—and you might only find out after submitting your mortgage application, potentially causing delays or complications.

Avoid surprises by downloading a multi-agency credit report! This gives you a clear, consolidated view of your credit profile across all three agencies, ensuring you're fully prepared for any lender's assessment.

Stay proactive and take charge of your financial journey!

Call me today for more information – Poorna at 07735522946
Discover Mortgage Opportunities for Foreign Nationals in the UK
25/01/2025
Dreaming of owning a home in the UK but unsure where to begin? Whether you hold a Tier 1 or Tier 2 Visa, Family or Spousal Visa, Pre-Settled or Settled Status, ILR, or PRTR, homeownership is absolutely within your reach! Here’s what you need to know:

Deposit Requirements
Your deposit could be as low as 5%, depending on your income and length of stay in the UK.

Boosting Your Credit Score
New to the UK? Start with a small credit-building step, like a utility bill or phone contract.
Download a multi-agency credit report to track all three credit bureaus.
Stay on top of payments—every timely payment strengthens your score!

Maintaining Address History
Keep your address updated to ensure smooth lender checks.

Register to Vote
This simple action can enhance your credit profile and improve your mortgage eligibility.

Proof of Deposit
If your savings originate from overseas, be ready to provide evidence o
Are you self-employed and need a mortgage?
31/01/2025
Self-Employed? Here’s What You Need to Know About Getting a Mortgage!

✅ Key Considerations:

High Street Lenders: Typically require 2 years’ trading history and assess your average income over the last two years.
Specialist Lenders: May accept just 1 year of trading, but often at higher interest rates.
How Your Income is Assessed:

Sole Traders: Income is based on salary + net profit.
Limited Companies: Lenders consider salary + dividends or salary + net profit.
Documents You’ll Need:

SA302 + Tax Year Overview
Recent bank statements
Professionally prepared accounts (for limited companies)

Plan Ahead!
You can’t set up a limited company and secure a mortgage in just three months—preparation is key!

Need expert advice? Get in touch with our mortgage specialists today!
What is Mortgage Insurance?
14/02/2025
Buying your first home is exciting, but it also comes with a big financial commitment—your mortgage payments. Life is unpredictable, and if something unexpected affects your income, you don’t want to risk losing your home. That’s where mortgage insurance steps in.

👉 Mortgage insurance provides financial security, ensuring you can keep up with your payments even in difficult times. Here are three key types of cover to consider:

✅ Life Insurance – If you pass away, this policy pays off your mortgage, giving your loved ones financial stability and peace of mind.

✅ Income Protection Insurance – If an illness or injury stops you from working, this cover provides a percentage of your income, so you can continue making your mortgage payments.

✅ Critical Illness Cover – If you're diagnosed with a serious illness like cancer, this policy can pay off your mortgage in full, removing financial stress.

🛡️Protect your home and your future—because peace of mind is priceless.
First-Time Mortgage? The Credit Report is Vital!
10/02/2025
Your credit providers—such as banks, credit card companies, utility suppliers, and mobile phone providers—report your payment history to credit agencies every month. Here’s why your credit report is important:

🔴 Missed Payments & Defaults

1 Missed Payment = Marked as “1” on your credit report
2 Missed Payments = “2” (two months in arrears)
6 Months in Arrears = Default (serious impact on credit)
⚠️ Unpaid Defaults Can Escalate

If left unresolved, defaults may lead to a County Court Judgment (CCJ), making borrowing more difficult.
Setting up a repayment plan? A Debt Management Plan (DMP) can help, but it also affects mortgage eligibility.
💡 Insolvency is a Major Red Flag

Bankruptcy, Individual Voluntary Arrangements (IVAs), and Debt Relief Orders (DROs) are severe credit issues that can significantly impact your ability to secure a mortgage.
🔍 What You Can Do Now
✔ Check a Multi-Agency Credit Report – Review reports from TransUnion, Equifax, and Experian.

Contact Poorna :