R3 Mortgages
Residential & Commercial Finance Specialists

Meet The Team

Riz Malik MBA – Managing Director & Head Broker

Riz is the founder of R3 Mortgages.

After attending Westcliff High School for Boys, he obtained a degree in Economics and Management Science. After spending over a decade working for large financial institutions and having obtained an MBA from Warwick Business School, Riz founded R3 Mortgages. Riz was the Lead Ambassador of the London alumni network for Warwick University & Warwick Business School which has over 2,600 members. In addition, he has been the Secretary-Treasurer of the Southend-on-sea BNI Chapter & member of the Institute of Directors 99. Riz also has a growing client base of medical and legal professionals.

Riz specialises in the following:-

  • Cases over £500,000+
  • Limited company & SPV (Special Purpose Vehicle) Buy to Lets
  • Portfolio landlord portfolios
  • Lending to overseas nationals, expats and BVI entities
  • Lending to high net worth individuals with complicated income structures
  • Commercial Finance

Professional Qualifications:

  • Certificate in Regulated Equity Release
  • Diploma in Investment Planning
  • Certificate in Mortgage Advice and Practice
  • Certificate for Financial Advisers
  • CF8 Long-term care insurance

Academic Qualifications:

    • MBA Warwick Business School
    • BSc Economics & Management Science (Hons)

Awards & Recognition:

      • Special recognition award received at the Association of Pakistani Physicians & Surgeons London Gala Dinner 2016

Usman Asif MSc – Director

Usman has a degree in Economics and a Masters in Management from Manchester Business School. He is responsible for operations.

Professional Qualifications:

  • Certificate in Mortgage Advice and Practice

Fiona Foster – PA to Riz Malik & Case Manager

Fiona joined the R3 team having previously worked for RBS. She is the personal assistant to Riz Malik & responsible for managing the progression of cases until completion.

Professional Qualifications:

  • Certificate in Mortgage Advice and Practice


Rashid Javid – Business Development

Rashid assists with marketing and business development. He is a portfolio landlord personally with extensive experience in the property market.