Your Mortgage

Your mortgage is probably the largest financial transaction you will ever make. It is a huge financial commitment potentially spanning 25 years or more, so taking expert advice is vital. You will want to ensure that you get impartial advice across the whole of the market, which is not something that can be offered by your bank as they can generally only offer their own products and cannot compare different lenders rates.

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As Key Financial Solutions search the whole of the market for a suitable mortgage for your individual circumstances, this means that not only will you be sure to get an appropriate product to suit your individual needs, but we can even apply on your behalf, to many lenders minimising the amount of paperwork for you.

Mortgages

By maintaining relationships with estate agents, lenders and solicitors our aim is to make the whole process run as smoothly as possible.

If it is a remortgage that you are looking for then you can rest assured that Key Financial Solutions will eliminate any of the stress and hassle by securing mortgage deals prior to your current deal ending and dealing with the paperwork on your behalf. As part of our ongoing relationship, you can rest assured that you will be contacted at least 3 months before your existing mortgage deal ends in order to carry out a financial review and look at remortgage options if it is suitable for your circumstances at that time.

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There's no doubt, the current financial climate has caused a lot of concern for many mortgage borrowers. Most lenders have changed and tightened their lending criteria and some have even stopped lending altogether!

It is therefore more important than ever to use a whole of market approach, to ensure that you have access to all the 'big names' like Halifax, Nationwide, Natwest, Santander etc, but also the smaller, more niche lenders, who are able to deal with complex or out of the ordinary scenario’s. My thorough understanding of each lenders underwriting approach will ensure that you are matched with the most appropriate lender and guided through these turbulent times with confidence.

If you already have a mortgage and are within an early redemption penalty with your existing lender and want to borrow more money to carry out home improvements or for another reason then you may be eligible for a further advance. By liaising with your existing lender I can arrange this for you. If you are not eligible for a further advance then, subject to circumstances, I can arrange a secured loan with a different lender who will take a second charge over your property.

Most forms of Buy to Let and Commercial Mortgages are not regulated by the Financial Conduct Authority.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

A fee of £349 is payable on application. We will also be paid commission from the lender.