mortgages.

we can help you get on the property ladder

we offer a wide range of mortgages from across the market, including specialist lenders

Getting on the property ladder or buying your ‘forever’ home are significant life milestones that we can help you achieve. With so many different mortgage products available, finding a mortgage that is right for you can be daunting. We can help you navigate the complexity of the options and take the time to understand your needs, before making a recommendation. We offer a comprehensive range of mortgages from across the market, which lenders make available to mortgage intermediaries, enabling us to find the right mortgage to suit your needs.

We will manage the application process from start to finish, relieving you of much of the stress that comes with purchasing a property.

our expertise

mortgage advice & services

Mortgages

Fixed, tracker, flexible, capped, discounted and variable. From first-time buyers to those with a property portfolio, we can find the most appropriate solution for you.

Remortgages

Remortgaging is a process that involves paying off your existing mortgage and switching to another lender. The new mortgage will replace your old one.

Mortgages

Fixed, tracker, flexible, capped, discounted and variable. From first-time buyers to those with a property portfolio, we can find the most appropriate solution for you.

Remortgages

Remortgaging is a process that involves paying off your existing mortgage and switching to another lender. The new mortgage will replace your old one.

Buy-to-let mortgages

This type of mortgage is designed for property owners who are looking to purchase a property specifically to rent it out, rather than to live there.

Mortgages for self-employed and business owners

We know that it can be harder to get a mortgage if you are self-employed, and we can work with you to find the most appropriate solution for your circumstances.

Intergenerational mortgages

Enable parents and grandparents to support their children or grandchildren on the property ladder by passing over assets to the younger generation.

the changing world of

mortgage advice

The mortgage market changes all the time, not just in terms of mortgage deals and regulation but also in the way lenders assess loan applications.

Some of the changes have been in the way mortgage lenders assess the suitability of all clients for the different types of loan on offer. They base this decision on a variety of factors, primarily:

The property

Type, condition, access and location.

Employment status

Amount and frequency of income (and time in your current role).

Financial commitments

Current and future commitments, along with your history of managing credit.

There is now more focus on affordability and expenditure. This is very different to the traditional approach of simply multiplying your annual personal (or rental) income by a pre-set multiple to obtain a maximum lending amount.

We pride ourselves on being up to date with regulation, legislation and the economic market.

We understand your needs, match that to the requirements of lenders, and protect you and your dependants once you have bought your property.

This way, we can help you save time and money in the new world of mortgage advice.

There are two ways for you to repay your mortgage:

Z

Repayment

You pay interest and also repay part of the amount borrowed with each payment you make.
Z

Interest only

You only pay the interest on the money you have borrowed. At the end of your mortgage term, you will have to pay the outstanding amount borrowed in full.

frequently asked questions

What is a mortgage?

A mortgage is simply a loan that is secured against your property.

This means that if you are not keeping up with your monthly repayments, the lender can repossess your property.

How much deposit will I need?

You will need to save a minimum deposit of 5% of the property value when purchasing your home.

However, a number of lenders will require a higher deposit than 5%, with some lenders requiring a minimum deposit of between 10% and 25%.

It is always best to speak to a mortgage adviser to see what deposit you will need to save before looking for a home.

When considering the size of your deposit, remember that larger deposits attract better interest rates.

What does LTV mean?

LTV or Loan-to-Value is the value of the mortgage compared to the value of the property, shown as a percentage. An example would be if you had a 5% deposit you would need a 95% LTV mortgage.

I’m self-employed, can I get a mortgage?

Yes, we help self-employed clients to obtain a mortgage.

Lenders do, however, consider self-employed income differently to the income of an employee. This is because self-employed income can vary throughout the year and also over time, whereas an employee receives a known salary.

If you are self-employed, speak to one of our mortgage advisers, who will be able to tell you how lenders will consider your income. Our advisers can also establish how much you may be able to borrow.

Our mortgage advisers will need to see several years’ SA302’s, so it’s always good to have the last 3 to hand!

Does being on the Electoral Roll help me obtain a mortgage?

By law, you must register on the electoral roll if you wish to vote. But getting on the register can benefit you as well: by helping protect your identity, as well as increasing your chances of getting credit. So, it’s worthwhile registering as soon as you can.

Registering to vote improves your credit score too.

Your credit score shows lenders how you behave with money. Your credit score is based on information contained in your credit report, such as how many loans you have and how much you have borrowed.

When you register to vote, this shows in your credit report (although it does not show how you voted). This data helps lenders confirm your name and address, so your credit score will increase as a result.

In the UK, you can register to vote using the following link:
https://www.gov.uk/register-to-vote

Will my credit rating stop me getting a mortgage?

Lenders are cautious about who they lend to, so they will always check an applicant’s financial history carefully to see if potential customers have defaulted on debts previously. If you have defaulted on debts previously, it signals to the lender that you may default on debts in future.

However, if you have defaulted on debts previously, you may still be able to obtain a mortgage. Our advisers are well equipped to establish if you will be able to obtain a mortgage, even if you have a poor credit rating.

What is a Decision In Principle?

A Decision In Principle (DIP) is an indication of what a mortgage lender may be willing to let you borrow, subject to a full financial assessment. It may also be referred to as an Agreement In Principle, or an AIP. The majority of estate agents will require you to produce one of these before they are able to accept your offer on a property.

Please note

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

Some Buy-to-let mortgages are not regulated by the Financial Conduct Authority.

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The guidance and/or information contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.

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helping you reach your life goals through proper management.

Kind Wealth Limited is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority.

Quilter Financial Services Limited and Quilter Mortgage Planning Limited are entered on the financial conduct register (https://register.fca.org.uk/s) under references 440703 and 440718.

Kind Wealth is registered in England and Wales No 08431437, Registered Address Old Bank Chambers 582-586 Kingsbury Road, Erdington, Birmingham, B24 9ND.