Kirk BowlesMortgage and Protection
Advisor

at
UKFCS Mortgage Specialists
  • Whole of market brokers
  • Unbiased advice
  • More than 30 years of experience
  • We provide a decision in principle
  • Finding the mortgage that is right for you
  • We aim to build long term relationships with all of our clients
Free Consultation Online Mortgage Enquiry

How it works

Three simple steps to getting your mortgage approved
1

Enquire

Complete our quick and easy enquiry form and one of our brokers will contact you to discuss your needs

2

Apply

Once you are ready to apply we will handle all of the necessary paperwork and manage your entire mortgage application

3

Complete

We will update you with the progress of your mortgage at all key points, right up to completion

Mortgage Advice

Many mortgage applicants are unaware that there are hundreds of mortgage products available, in addition to those offered by High Street banks. At the same time, most people are unprepared for the stringent criteria involved in applying for a mortgage.

I have more than 30 years’ experience in the financial sector and have been helping people get the right mortgage product for more than 20 years. With an in-depth knowledge of mortgage products, I can demystify the complex application process. That way, I will ensure that your mortgage application is error free and complete before submitting it to your chosen lender.

The U.K.’s mortgage industry is heavily regulated. Compared to five years ago. Mortgage regulations are more complex and restrictive. The rules are there to protect borrowers and lenders in a way that’s fair to both parties. But the result is that the number of documents needed to accompany a mortgage application, as well as checks made by financial institutions, are greater than ever. Understanding mortgage products is also more challenging, because the product forms are detailed and complex.

The challenges faced by mortgage applicants can be daunting. Not knowing which mortgages are currently available on the market means that you may miss out on getting the best interest rate, be paying higher arrangement fees or missing out on lender incentives such as free legal fees, free valuations or cashback offers. Being unprepared could result in delays and not completing the application correctly and with all the information required could even result in a rejected application.

As a whole of market broker, I have access to hundreds of mortgages products across the U.K., in addition to the ones offered by mainstream banks. I will find the loan that is right for you, whether it’s from a large bank or a small, building society. And because I specialise in mortgage compliance and regulations, you can rest assured that your application and supporting documentation will be correct and in order.

If you are ready to apply for a mortgage, or have already started looking and feel bewildered by mortgage product descriptions, contact me today. I will search the whole of the market, not just the High Street banks, to pinpoint the right loan for you. I will work with you so that you have a clear understanding of the product and the documents required for your application. Your final application form will be in great shape and will be ready to be presented to the mortgage lender.


Kirk Bowles,
Mortgage and
protection advisor at
UKFCS Mortgage Specialist

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KIRK BOWLES, MORTGAGE AND PROTECTION ADVISOR AT UKFCS Mortgage Specialist

Why Me?

  1. Expert advice
  2. All credit considered
  3. Free quotes
  4. No obligation
  5. One point of contact
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Our services:

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First Time Buyer

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Remortgages and capital raising

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Kirk Bowles is a Mortgage and Protection Advisor at UKFCS Mortgage Specialists

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Authorised and Regulated by the Financial Conduct Authority (FCA). UKFCS Mortgage Specialists is the trading name of UK Financial Consultancy Services Limited who’s FCA number is 435495 and can be found on the regulators website at www.fca.org.uk/register.

It is a private limited company registered in England & Wales with Company Number 05467810. The registered office of UK Financial Consultancy Services Limited is 142-143 Parrock Street, Gravesend, Kent, DA12 1EY. UKFCS Mortgage Specialists act as an intermediary and is not a lender. The FCA does not regulate some investment and commercial mortgage contracts.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT. PROTECTION POLICIES AND INSURANCE MAY BE SUBJECT TO EXCLUSIONS.