Kingdom Mortgages
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Kingdom Mortgages We are nothing without our customers, we've built our business by always going above and beyond and doing a good job, in turn our customers frequently recommend us to their friends and family. Whether you are looking to purchase a property, remortgage your existing home or are interested in a buy-to-let mortgage, then Kingdom Mortgages provide a professional, simple and straightforward fee free service.

Kingdom Mortgages are a whole of market mortgage broker. After an initial assessment we will be able to search the whole mortgage market and recommend the most suitable mortgage deal - saving you time and stress by doing all the leg work for you.

read more › Before making an offer on a property you will need a decision in principle (DIP), also known as an agreement in principle (AIP). This confirms the maximum amount you can borrow with a mortgage based on your income and expenditure. Simple; Mortgage brokers can search and compare all mortgage lenders in one quick phone call. In less than 10 minutes we can let you know the maximum amount you can borrow from 90+ lenders, saving you time and hassle from having to contact every bank separately. Secondly, mortgage brokers are experts in their field and have a wealth of experience dealing with complex income situations and vast lending criteria.

read more › Making sure you protect yourself and your family is one of the most important considerations when securing a debt against your home. There are many different types of protection policies available and it depends upon each individual's situation which policies may or may not be relevant. At Kingdom Mortgages we can talk you through your options and make recommendations on the most suitable cover for your needs. We've all known someone who has died unexpectedly or suffered a life changing illness or injury and whilst we hope that these things will never happen to us, the reality is that it can happen to anyone at any time.

read more › When you're self-employed you need a mortgage broker who can understand your situation and look at the bigger picture. Lending criteria for the self-employed is vastly different from lender to lender depending on your business structure and length of employment. What one lender can't do, another may be more than happy to. Being self-employed you may feel it is more challenging to obtain the mortgage you deserve, but it doesn't have to be and we're here to help. Kingdom Mortgages has access to many specialist lenders and products that are specifically designed for self-employed entrepreneurs like you - whether you're a limited company director, sole trader, contractor or freelancer we know which lenders are most suited to your requirements.

read more › If you have a complex situation brokers have in depth, whole of market knowledge and can advise on the best mortgages available to you. If you are looking to buy your first home then the first step is to speak to a qualified adviser. After a quick phone call we can let you know how much you should be able to borrow, what sort of rates and monthly payment you should expect, along with more detailed information on the buying process and guidance on how to prepare for the mortgage application. After this initial chat we can send you a mortgage decision in principle, so you can start making offers to estate agents to secure your dream home.

read more › There is no doubt moving home can be stressful. Often there can be many links to the chain that all have to come together on the day, including solicitors and lenders, along with multiple buyers and sellers. At Kingdom Mortgages we will be right with you through the whole process. We will listen to your needs and advise you on the most suitable mortgage product for your situation. Our service doesn't stop there. We will continue to offer you guidance right through the process until completion. We will liaise with your solicitor to make sure everything falls in place smoothly and we will also be able to advise you on the best way to protect your mortgage and home.

read more › A: where you switch your mortgage to a new deal, either with a new lender or your existing one. If you are looking to remortgage then you have come to the right place. Kingdom Mortgages are experts at re-financing, whether you are simply looking for a better deal, would like to consolidate some debts, raising some capital for home improvements or wish to invest in another property, we can help make the process as quick and painless as possible. Every lender has their own unique lending policy: what one lender won't do another lender may be more than happy to consider!

read more › If you are looking to make improvements to your home, often the easiest and most cost effective way to raise finance is through a remortgage, effectively borrowing additional funds against the value of your home. There are many things to consider when applying for a remortgage for home improvements. For example: some lenders will only allow you to remortgage up to 75% of the value of your property while others may go up to 90% and some lenders will require more information than others depending on the type of improvements planned.

read more › The Buy to Let (BTL) mortgage market can be a daunting place. Lending criteria can differ drastically from lender to lender, so it is worth speaking to an adviser who can help you make sense of all your options and recommend the most suitable deal. In short, BTL mortgages are underwritten against the rental income the property will receive. Interest rates are generally higher than normal residential mortgages and typically you will need a larger deposit of at least 20% - 25% of the property's value.

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