Complete our quick and easy enquiry form and one of our brokers will contact you to discuss your needs
Once you are ready to apply we will handle all of the necessary paperwork and manage your entire mortgage application
We will update you with the progress of your mortgage at all key points, right up to completion
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.
protection advisor at
UKFCS Mortgage Specialist
KIRK BOWLES, MORTGAGE AND PROTECTION ADVISOR AT UKFCS Mortgage Specialist
A great company, who are a pleasure to do business with. My mortgage application was handled swiftly and professionally, and I was really happy with the deal that they secured on my behalf. Would 100% recommend!!!
"EXCELLENT AND EFFICIENT SERVICE"
Excellent service, very friendly people, I always use their services, I have never had any issues.
I would recommend them to everyone. They find the best mortgage deal suitable to your needs.
"HELPFUL AND UNDERSTANDING IN EVERY WAY"
Fantastic professional service, very helpful and understanding in every way. They strive to get the best for the customer and actually return your calls or emails when others promise then don’t! I thoroughly recommend UKFCS to anyone who wants a business that actually cares about the client.
"THANK YOU KIRK"
We found using your company so easy and it was a great service throughout, you were very easy to contact and kept us updated throughout the process.
We love our new house.
Thank you UKFCS
UKFCS Mortgage Specialists provide a fantastic service. The advice I was given was thorough and jargon free. Everything was done efficiently and they saved me money. I will definitely be recommending them to friends and family
"PROMPT, EFFICIENT AND KNOWLEDGEABLE"
Whenever any of our clients are looking for a mortgage or any other financial products, our first point of call is always UKFCS Mortgage Specialists. We find them to be prompt, efficient, knowledgeable and they always go out of their way to secure the best deals for our clients. We will happily recommend them to anyone.
Niyi Idowu (accountant)
Kirk Bowles is a Mortgage and Protection Advisor at UKFCS Mortgage Specialists
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.