Mortgages

We will review the whole of market to find the most suitable option for you regardless of what type of service you require. We will often have access to lending products that are only available to the intermediary broker market so it is always worthwhile speaking to us first.

We do not charge for an initial consultation so if you want a bit of advice, want an idea of monthly payments or to ask any questions you may have then please get in touch – we would love to hear from you!

First Time Buyers

Buying your first home can be both exciting and daunting, and I’m sure like every first time buyer you have lots of questions! Having been in the property industry for over 20 years we really understand the process from start to finish.  As a first time buyer we will also liaise with your estate agents and solicitors to assist in the process. Please do not hesitate to call KAD, we are more than happy to answer all those questions for you with no obligation whatsoever.

Home Mover

Trying to deal with the sale of your property whilst buying another, is said to be one of the most stressful life events. Our aim is to make your new onward mortgage as easy as possible.   We can explore whether staying with your current lender and moving your existing interest rate, or looking at a new lender is the right financial decision taking into account any early repayment charges you may have.

REMORTGAGES AND PRODUCT TRANSFER

Many people choose to stay with their existing lender and pick a new rate or product as they feel it is the easiest thing to do, but is it the right choice? Reviewing your options could save you money!

Are you looking to raise money for home improvements or to raise a deposit for a buy to let property? Whatever your reason give us a call to see if we can help.

BUY TO LET

Are you an experienced landlord or looking for your first purchase? Regulation surrounding buy to let mortgages is slightly different to a residential mortgage, with the Financial Conduct Authority not regulating all forms of buy to let mortgages. It is therefore crucial to obtain sound advice. 

The amount you can borrow is typically determined by the rental income, however other factors are considered and deposit levels differ to buying your own home. Call us today to talk through your circumstances and find out how we can help.

NEW BUILD

Here at KAD we love new build and Director Keith has many years’ experience working in this sector alongside both national and regional builders.  We understand the tight deadlines they operate, the need for longer offers whilst the property is built and the different criteria lenders operate for new build..  If you are looking at a new build please see our dedicated tab for more information.

CONTRACTOR OR SELF EMPLOYED

Being self-employed, on a fixed term contract or a day rate contractor can often lead to higher scrutiny when it comes to the lenders decision making process.  Luckily we have many years’ experience in this field and understand how lenders work and what they are looking to see from your accounts.  If you have any questions surrounding self-employment then please give us a call. 

Contractors that are paid on a day rate can often be treated in various different ways by different lenders, please see our dedicated contractor tab for more information.

Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some Buy to Let Mortgage, conveyancing and surveys services are not regulated by the Financial Conduct Authority.

FEES

Any initial consultation is always free of charge, however on application there may be a fee for mortgage advice, the precise amount will depend on your personal circumstances, but we estimate £199 for a residential mortgage and up to £495 where further complexity is involved. The exact amount will be confirmed in writing within our fee agreement after a full discussion regarding your circumstances and requirements