About us

We’re here to help you get the best mortgage, and we’ve got the expertise and experience to support you throughout your home-buying journey – and beyond.

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Hi, I’m Jags.

I’m the head of Sun Mortgage & Protection, Jags Bains, and I’ve got over 20 years of experience in helping families to achieve their hopes and dreams, bringing great mortgage and protection deals to hundreds of clients.

I help you onto the right path, educating you on the ins and outs of the mortgage market and providing an honest and open service that supports you through your house-buying journey.

My wealth of experience and knowledge combine into an ethos of supporting my clients to ensure all your individual needs and requirements are met – no matter how complex.

Jags Bains | Sun Mortgage and Protection Ltd
Harry Rugg | Sun Mortgage and Protection Ltd

Hi, I'm Harry.

I have nearly 10 years’ experience in specialist property finance. With a background as a solicitor, I bring a strong client focus and enjoy applying my problem-solving and analytical skills to deliver tailored solutions that meet my clients’ priorities.

My expertise spans all areas of property finance, including residential, buy-to-let, development, and bridging. I have a particular interest in complex income structures, expat finance, and commercial mortgages including SIPP and SSAS based lending.

I focus on identifying key issues quickly, explaining options clearly, and negotiating effectively on behalf of my clients. My aim is always to provide straightforward, actionable advice with efficiency and precision, helping clients secure the most suitable funding for their goals in today’s complex lending market.

Hi, I'm Gary

Gary Singh | Sun Mortgage and Protection Ltd
Deep Kaur | Sun Mortgage and Protection Ltd

Hi, I'm Deep

Our vision and values

We understand and appreciate the stresses involved with buying your home, whether you’re a first-time buyer or looking to purchase another property. Every journey is different and requires a collection of skills, knowledge, and understanding to gain the support necessary to take the next step.

We believe that each mortgage and every individual requires specific care and attention. We’re here as a warm friend and a helping hand, bringing you the key knowledge to make the process easier. We’ve helped many clients with their various mortgage needs, and can help you understand what your mortgage is and how it works.

We want to be there for the lifetime of our clients. Once you’re with us, you won’t need to find another adviser again.

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Our services

We offer a range of mortgage brokering services to get you the best deal for your property, and protection insurance services that can help you keep your home safe and secure.

Interested in joining us?

We’ve got a long history of providing excellent advice on mortgages with a smile. If you’d like to become part of our team, please get in touch. We’re always on the lookout for more brokers to help us bring our services to more people, and shine light on what can otherwise be a stressful process.

Get in touch

Our insights

Whether you’re in need of guidance for a general concern about mortgages, or just want to keep up with our thoughts on interesting developments in the market, our blogs and news posts are here to lend a helping hand.

Sun Mortgage & Protection Commercial Property Review January 2026
Blog

Commercial Property Review January 2026

Sun Mortgage & Protection Residential Property Review January 2026
Blog

Residential Property Review January 2026

Blog

Residential Property Review
November 2025