Expert mortgage
advice tailored
to your needs

At Kepa we offer the personal attention required to find a perfect fit at the lowest interest rates available.‍

Access to the best competitive rates

Specialist Mortgage and Finance Advice

Free no obligation chat about how we can help

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What does a mortgage broker do?

If I were to answer that in one word, it’s ‘everything.’ Clients approach us to get advice on getting a mortgage, so we find the most suitable mortgage for their circumstances and deal with the lenders. Then we look after the whole application and any underwriting questions – and if clients get stuck with solicitors or filling out paperwork we help with all that as well. So we help with everything connected with mortgages and buying a home.

What services does a mortgage broker offer?

We don’t just look after the mortgage, we liaise with estate agents and solicitors and other professionals in the industry. I was actually on the phone to an estate agent yesterday. Taking the example of a First Time Buyer, when you make an offer on a house the first thing an estate agent will want to know is that your offer is financially viable. They would contact us as the broker at that point to ask about a Decision in Principle (also known as an Agreement in Principle). That’s something we can easily arrange.

Does it cost for an initial consultation with you?

No, absolutely not. We will arrange an appointment with you and run through all your circumstances. We give you some initial advice on how much you can borrow, and what deposit you need, all in the first initial consultation. There’s absolutely no cost to that. Clients do have many questions and as far as we’re concerned there are no silly ones. Feel free to contact us if there’s anything you’re not sure about. We’re here to help.

Why should I use an Independent Mortgage Advisor?

Also known as mortgage brokers or sometimes financial advisors, mortgage advisors work separately from any mortgage company, lender or bank to help assist you in finding the right mortgage to suit you. They provide a service to offer independent, impartial mortgage advice, which covers most of the market and is often fee free. Applying for a mortgage is likely to be the biggest financial decision you will ever make. As it is such a commitment, it is important to get it right. Seeking advice from an independent Mortgage Advisor is a sensible approach to help you ensure that you find the right product for you.

Businesses who offer mortgage advice must be regulated and authorised by the Financial Conduct Authority (FCA).

Financial protection

Seeking mortgage advice from a regulated company also gives you protection from the Financial Ombudsman Service. Therefore, taking regulated advice, rather than researching your own mortgages, automatically provides you with more rights.

We can recommend Independent Mortgage Advisors who are familiar with new homes and may have access to special rates, which you may not find yourself.

STEP 1

Speak to a mortgage advisor

They can help to ensure you qualify for your purchase and explain the application and costs included.

STEP 2

Choose a
product

The Mortgage Advisor will recommend the most appropriate mortgage and complete a decision in principle with the lender.

STEP 3

Complete the paperwork

Your advisor will help with your mortgage and insurance forms.

STEP 1

Speak to a mortgage advisor

They can help to ensure you qualify for your purchase and explain the application and costs included.

STEP 2

Speak to a mortgage advisor

They can help to ensure you qualify for your purchase and explain the application and costs included.

STEP 3

Speak to a mortgage advisor

They can help to ensure you qualify for your purchase and explain the application and costs included.

STEP 1

Speak to a mortgage advisor

They can help to ensure you qualify for your purchase and explain the application and costs included.

STEP 2

Speak to a mortgage advisor

They can help to ensure you qualify for your purchase and explain the application and costs included.

STEP 3

Speak to a mortgage advisor

They can help to ensure you qualify for your purchase and explain the application and costs included.

Ready to get moving?

When you are ready to speak to a Mortgage Advisor, it’s likely that you may have a deposit saved and are looking for advice. This may include affordability, how much you can borrow and if your deposit is enough to buy your new home. At this point, you’re still relatively early on in the process – but what is left?

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call 07929 330596 or email info@kepafinancial.com

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