email: lincoln@kindfinancialservices.com

tel: 07515 770993

Hundreds of mortgages under one roof

A few years ago, lenders were bending over backwards to give consumer mortgages and were prepared to take a substantial amount of risk to seal the deal. However, since the credit crunch started, lenders have reduced the amount of mortgages they offer and others have pulled out of the market altogether. Those that do offer mortgages have tightened their lending policies and are more careful about who they lend money to, so options such as self-certification and 100% loan to value are a thing of the past. This means that finding the right one for your needs is now a bigger challenge than ever before.

We have access to the ‘whole of market’ mortgages, and use our knowledge and expertise to search through hundreds of different deals to find the right one for your individual needs. We have access to all the big names and high street names, as well as deals which aren’t normally available to consumers directly.

Repayment

How it Works

You borrow a lump sum over a fixed period of time (usually 25 years but can be shorter or longer). You pay the interest and some of the capital on a monthly basis to the lender.

Advantages

Disadvantages

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Interest Only

How it Works

Your monthly payments represent only the interest due to the lender, and do not include repayment of capital. Your total loan must be repaid at the end of the mortgage term. You therefore need to arrange additional investments which will generate sufficient capital to repay the loan.

Advantages

Disadvantages

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1st Time Buyer

Mortgages for First Time Buyers

We understand that buying your first home should be exciting. However, the excitement can soon come to an end when you realise how hard it is to get a first time buyer mortgages and learn about the amount of deposit some lenders now ask for, as well as the associate costs.

As your local mortgage experts, we can guide you through the whole process and help you get the affordable mortgage you need from the hundreds we’ve got access to so that you can get your hands on those first house keys.

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Buy to Let

If you’re thinking of buying a property as an investment, then getting the right mortgage could be the best move you make. You see, the difference between the right and wrong mortgage could make all the difference to how successful your investment is.

As your local mortgage experts, we’ve got access to a wide range of buy to let mortgages and give expert advice on which one is right for your buy to let venture and help you make the most of your investment.

The Financial Conduct Authority does not regulate most forms of Buy to Let Mortgages.

Like any investment, buy to let comes with no guarantees, but can be more reassuring for those who have more faith in bricks and mortar than the stock market.

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Registration number: 7588811
Registered in: England & Wales

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

Kind Financial Services Ltd is an appointed representative of TenetLime Limited, which is authorised and regulated by the Financial Conduct Authority. TenetLime Limited is entered on the Financial Services Register (www.fca.org.uk/register) under reference 311266.

For mortgages our fee typically is £295.

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