Mortgage Advice That Works For You

Mortgage Advice at KG Financial

Finding the right mortgage can feel complicated. With many lenders and products available, it is not always easy to know which option is best.

At KG Financial you will receive straightforward advice designed to help you understand your options and move forward with confidence.

Whether you are purchasing your first property, refinancing an existing mortgage or expanding a property portfolio, you will be guided through the process from start to finish.

Advice is always based on your personal circumstances, income and long term goals.

First Time Buyer Mortgages

Buying your first home is exciting but it can also feel overwhelming.

First time buyer mortgages are designed to help people get onto the property ladder and can be available with a range of deposit sizes, lender criteria and repayment options.

You will receive guidance through the entire process including understanding affordability, obtaining an agreement in principle and submitting the full mortgage application.

Home Mover Mortgages

If you are selling your current home and buying another property, a home mover mortgage may be required.

This can apply whether you are upsizing, downsizing or relocating. Advice can also include whether it is better to port your existing mortgage deal or arrange a new one.

The aim is to help make the transition between properties as smooth as possible.

Remortgages

A remortgage is when you move your mortgage to a new deal, either with your existing lender or with a new lender.

People often remortgage to secure a better interest rate, reduce monthly payments, release funds from their property or consolidate borrowing.

Reviewing your mortgage regularly can help ensure your deal remains suitable for your circumstances.

Buy to Let Mortgages

Buy to let mortgages are designed for clients who want to purchase or refinance a property that will be rented out.

These mortgages are commonly used by landlords and can be suitable for both first time landlords and experienced investors.

Limited Company Buy to Let Mortgages

Some landlords purchase or hold rental properties through a limited company, often known as a special purpose vehicle.

Limited company buy to let mortgages are commonly used for tax planning and portfolio growth. Lender criteria can differ from standard personal buy to let mortgages.

HMO Mortgages

HMO stands for House in Multiple Occupation.

These mortgages are designed for properties rented to several tenants who are not part of the same household. HMO mortgages are generally more specialist than standard buy to let mortgages and often involve additional criteria.

Residential Mortgages

A residential mortgage is used for a property that you plan to live in yourself.

This is the most common type of mortgage and includes purchases, remortgages and home moves.

Product Transfers

A product transfer is when a client switches to a new mortgage deal with their existing lender rather than moving to a new lender.

For clients reaching the end of their current mortgage deal, this can sometimes be a simple option to move onto a new rate.

Self Employed Mortgages

Mortgages for self employed clients are designed for business owners, sole traders, company directors and contractors.

Income for self employed applicants can be more complex than standard employment income, so lenders may assess accounts, tax returns or company earnings.

Advice can help identify lenders that are suitable for your situation.

Speak to KG Financial

If you would like to discuss a mortgage, remortgage or protection advice, you can book a call at a time that suits you.

Phone

07538 284124

Email

katherine@kgfinancial.co.uk