By maintaining relationships with estate agents, lenders and solicitors our aim is to make the whole process run as smoothly as possible.
If it is a remortgage that you are looking for then you can rest assured that Key Financial Solutions will eliminate any of the stress and hassle by securing mortgage deals prior to your current deal ending and dealing with the paperwork on your behalf. As part of our ongoing relationship, you can rest assured that you will be contacted at least 3 months before your existing mortgage deal ends in order to carry out a financial review and look at remortgage options if it is suitable for your circumstances at that time.
There's no doubt, the current financial climate has caused a lot of concern for many mortgage borrowers. Most lenders have changed and tightened their lending criteria and some have even stopped lending altogether!
It is therefore more important than ever to use a comprehensive approach, to ensure that you have access to all the 'big names' like Halifax, Nationwide, Natwest, Santander etc, but also the smaller, more niche lenders, who are able to deal with complex or out of the ordinary scenario's My thorough understanding of each lenders underwriting approach will ensure that you are matched with the most appropriate lender and guided through these turbulent times with confidence.
If you already have a mortgage and are within an early redemption penalty with your existing lender and want to borrow more money to carry out home improvements or for another reason then you may be eligible for a further advance. By liaising with your existing lender I can arrange this for you. If you are not eligible for a further advance then, subject to circumstances, I can arrange a secured loan with a different lender who will take a second charge over your property.
For establishing your needs, undertaking research and making a recommendation, we charge a fee of £349. Our fee becomes payable on application of the mortgage. If you choose to proceed with our recommendation and the mortgage goes ahead, we will also be paid commission from the lender for arranging the mortgage on your behalf. The amount of commission we receive varies from lender to lender. Information about the range of commissions available to us from the mortgage products we recommend is available on request.
Most forms of Buy to Let are not regulated by the Financial Conduct Authority.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Your mortgage is probably the largest financial transaction you will ever make. It is a huge financial commitment potentially spanning 25 years or more, so taking expert advice is vital. You will want to ensure that you get impartial advice from a comprehensive range of mortgage products from across the market, which is not something that can be offered by your bank as they can generally only offer their own products and cannot compare different lenders rates.
As Key Financial Solutions search a comprehensive range of mortgage products from across the market for a suitable mortgage for your individual circumstances, this means that not only will you be sure to get an appropriate product to suit your individual needs, but we can even apply on your behalf, to many lenders minimising the amount of paperwork for you.
I have known Danielle for many years and have always been impressed by her knowledge and professionalism. I have no hesitation in recommending her to my clients as she offers an excellent, friendly and personalised service and I also use her services personally
Mr and Mrs Parsonson, Abingdon
We have had the pleasure of using Danielle from Key Financial Solutions on about 25 transactions, over the last few years. She is exceptionally easy to work with, well organised and incrediby good at what she does. In fact, of all the professionals we use for our property business, Danielle is by far the most professional and easy to work with. We have also recommended Danielle to about 10 other people who also sing her praises very highly.
Deanna and Peter, London
Danielle was recommended to me by a friend who had used Key Financial Solutions for many years.
I was looking to buy my first house and had no idea where to begin: the bank had been far from helpful, and I had begun to think I was going to be renting forever!
Danielle made me feel instantly at ease: She was always at the end of the phone or on email, and whenever I needed things explaining in more detail, her door was open and the kettle was on. The whole process of obtaining a mortgage was so smooth, and Danielle always had my best interests at heart. It made perfect sense to me to continue the process with Danielle, who organised life insurance, critical illness cover and buildings and contents insurance for me too.
I would recommend Key Financial Solutions to anybody who wants the stress taken out of finding a mortgage.
I will most definitely be back in touch when I am due to re-mortgage!
K Racki
I would not hesitate to recommend Danielle for mortgage advice. As first time buyers we were so grateful for Danielle's patience, expertise, and clarity - she took the time to visit us at home and talk us through every step of buying a house, above and beyond getting a mortgage agreed. What really impressed me was Danielle's ability and determination to find creative solutions to the seemingly impossible, giving us clear and straight forward advice on what turned into a very complicated mortgage arrangement, allowing us to buy in our dream location. I look forward to working with Danielle again when the time comes!
B Timms
If you would like to know how much you can borrow and how much it will cost you each month or if you are looking to protect your family and would like to consider your life insurance options, then please provide some of your details below and we will contact you to discuss your options.
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