Our approach

OUR MORTGAGE PROCESS

ASSESS

After a discussion on your property needs we’ll undertake a thorough fact-find to evaluate how much you can afford. We will take your financial situation into account and create a detailed income and expenditure. Then, we’ll provide you with your options, offer our expert advice and answer any questions you might have.

ARRANGE

Once you are comfortable with your affordability, we’ll approach the chosen lender for an Agreement-In-Principle. This will ensure that you are able to borrow the amount that you need to secure a house and put you in the best position possible for when you come to find the home you love.

GUIDE

When you’ve found the right property for you, we can help to negotiate an offer with the estate agent and put you in touch with our approved solicitors and surveyors.

APPLY

Next, we’ll apply for your mortgage, fill out all the paperwork, provide you with our protection recommendations and keep you up-to-date throughout the buying process.

COMPLETE

Once your solicitor is satisfied, they’ll request your deposit and set the date for getting your keys. You’ll exchange contracts and finally go through completion. Then, we’ll congratulate you when you move in! We’ll even get in touch when your fixed period is coming to the end, to review your options and ensure that you’re continually getting the best deal.

Please note: Your home may be repossessed if you do not keep up repayments on your mortgage.

HEAR FROM OUR CUSTOMERS WHO’VE TRIED AND TESTED OUR SERVICES:

“KB Mortgage Service are unbelievably amazing, Having spoken to a couple of Brokers, Kate stood out by far being the best, it was always a dream for us to be Homeowners but we never thought it would be possible for it to become reality. Kate has made our dreams happen and we cannot physically thankyou enough for all the hardwork and effort that you have put in for us. Highly recommended on mutliple levels. Its a shame I can only give 5*s as I believe you deserve so much more!”

Amy-Leigh Smith

"Kate and her team have been amazing during our journey of finding a new home. She did all the negotiations with the seller on our behalf which we greatly appreciated. She found us the best mortgage on the market. Communication was prompt with regular updates. The whole process was smooth and stress free as she did EVERYTHING. She was always available to answer questions and offer advice. l cannot recommend and thank her enough. First Class Service."

Saima Jones

“Kate is very professional in the way she chases any leads that need to be chased, updates you regularly about what's happening and where the process is at, as well as getting you the best deal for yourself on the market for the property your buying, she makes the purchase of a property hassle free and a smooth process.”

Patrece Lang

“HIGHLY RECOMMEND!!! Kate was helpful from start to finish! She made buying my first house an enjoyable and stress-free time, if I had any worries or questions, Kate was always at the other end of the phone to ask. Kate not only found us a mortgage that suited us, but she regularly liaised with my solicitors to give me an update on how we were progressing and also helped to set up home/life insurance. Seamless procedure from start to finish and I look forward to working with her again in the future! Thank you so much Kate"

Emily Vear

“Kate has been amazing from start to finish. After using another mortgage advisor previously who was unable to secure us a mortgage, Kate was able to get us an offer within 6 days. We almost lost our dream home, when Kate come on board she kept us in the loop on every finer detail, she even contacted us a few times while on her holiday trip. We honestly cannot thank you enough Kate.”

Kelly Singleton