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Contact Us |
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Tel. 0117 961 5000 |
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We are able to offer advice on
mortgages from the whole mortgage market. Our qualified advisors will
find you the most suitable product on the market to suit you needs.
Whether its house purchase, remortgage, or even credit repair, we
have access to every lender. |
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Getting on the property ladder
without specialist help can be a daunting experience. This is why
many first time buyers find KFS Mortgages market expertise and jargon-free
advice invaluable.
KFS Mortgages can help you avoid the common pitfalls and will keep
you updated with the progress of your mortgage offer. In other words,
we can take the worry out of the mortgage process - so you can concentrate
on the other important factors. |
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If you are self-employed, have
more than one source of income, or in bonus/commission based employment,
you may not be able to prove your income. By self certifying your
income you are able to raise a mortgage without the need for pay-slips
or accounts. Our advisors will be able to identify the lenders that
will accept self certification application and find you the most appropriate
product |
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Many things happen in life that
can affect your credit rating. A change of employment, marital disputes
and relationship breakdowns are common everyday occurrences, very
often resulting in defaults, county court judgments or even bankruptcy.
This is common and shouldn't prevent you from carrying on with your
life plans.
KFS has extensive knowledge of the adverse market and will treat
your application in the same professional way as any other mortgage
application.
Many brokers in the adverse market will look
to charge very high fees when arranging these types of mortgage.
Our view is that one mortgage application is the same as any other.
Therefore, if we charge a fee it will only reflect the level of
effort taken to find that mortgage. It would be very rare for our
fees to exceed more that 1%.
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There may be times when you need
to raise additional capital from your property, to pay for school
fees or to set up a business or similar project. Our advisors will
be able to examine your existing mortgage or advise on the possibility
of remortgaging in order to help you raise the additional funds you
require. |
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Debt consolidation is very common.
Personal loans, overdrafts and credit cards can often take a strain
on your finances. Many people are left with more month than money
on a regular basis. By consolidating your debts into your mortgage
you may be able to significantly reduce your monthly outgoings. Our
advisors will be able to review your current debts alongside your
mortgage and advise if such consolidation is suitable for you. |
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House Purchase And House Sales
(through Michael Nicholas Estate Agents) |
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KFS Mortgages have very close
links with local independent estate agent Michael Nicholas. KFS Mortgages
have their own mortgage advisors based in the Michael Nicholas branch
network.
This allows KFS Mortgages access to properties for sale and allows
KFS Mortgages the opportunity to market your property at discounted
rates.
Michael Nicholas share the same KFS values
of service, advice and quality.
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