Kelly Mortgage Solutions are free to deal with any mortgage lender in the market place today and we will review and compare the market place to identify the most suitable product for you. We offer full advice and recommendation service in all cases in order that we can make an informed decision with you about the choice of your new mortgage.

During our initial meeting, we will be completing a detailed mortgage financial review/questionnaire to enable appropriate advice to be given on your mortgage and other related insurance products. we will also outline how we are paid and how we operate as Whole of Market Mortgage Brokers this is explained in our "Key Facts about our services" document. Once we have made our recommendations to you, we will confirm our advice in writing. You should keep this as it will be an important record of our discussions.

Details of the loan will also be confirmed in your lenders formal offer. As Independent Mortgage Brokers, you can choose how we are paid; we can be paid by commission or a fee (usually £295). Once we have discussed these options with you, we will issue you with an Initial Disclosure Document "Key Facts about our Services" outlining out what services we offer and how we are paid. For an example of our "Key Facts about our services" document click here

How we source your mortgage

Many people consider that the cheapest interest rate is the best mortgage to have, and in some occasions that can be true. However, there are many more areas to consider before you take the plunge in to that committed mortgage product. As your personal Mortgage Broker, We will look at and compare all the alternatives that are available from all the High Street Lenders, some of the not so well known niche market lenders and also from an array of packagers, which will sometimes offer exclusive mortgage deals that are only available through certain channels. We use a combination of Technology, by using a mortgage sourcing/calculator tool that is updated daily with ALL the Mortgage Lenders interest rates, terms, conditions and criteria. We also use the good old-fashioned 'Knowledge' that can only be gained by experience in the ever-changing mortgage market. In considering a recommendation for your new mortgage, we will also factor in the following:

• Which lender will give me the Cheapest Interest Rate
• Which lender will offer me the Best Mortgage Deal over a Defined period of Time (True Cost)
• Which lender will offer me the Best Mortgage Deal with No Fees
• Which lender will offer me the Best Mortgage Deal if I have no Books
• Which lender will offer the Best Remortgage Deal with No Fees

Ultimately, as your Mortgage Broker, we aim to find you the best mortgage deal that suits your requirements.

Moving house

Most people tend to stay with the same lender when they move house, why is this?

Because it's the easy thing to do!

However by simply looking to move your mortgage when moving home can help save you £1000's over the long term.

How much can I borrow?

Lenders vary in what they will offer you. Typically they will lend 3.75 x the first applicants total gross income or 2.75 x the joint income of both applicants. However, depending on your particular circumstances this could be substantially more or less. Some lenders offer up to 5 x salary and also individual calculations on affordability. Please contact us and we will immediately advise you of your potential borrowing levels.

Refused a mortgage?

Firstly, don't panic! Many thousands of people have been refused before. In fact many people are turned down for a mortgage within the first 48 hours of their application being received! If you are not sure quite what to do next, you probably need our help. Kelly Mortgage Solutions will look at the whole market for you and be re-assured that we will find the very best deal available to you.

Kelly Mortgage Solutions have access to mortgages for people who have had financial problems in the past but are now ready and able to take on a mortgage.

Please contact us or call 0800 037 8432 to discuss your mortgage requirements.