Who we are

Kelly Mortgage solutions are a team of local advisers throughout Devon are supported by our dedicated administration staff who are based in our administration centre in Teignmouth, ensuring that every case, whether large or small gets the same professional and personal attention it so deserves. We pride ourselves on being on hand to service our clients in whichever way they feel comfortable at a time and place to suit their personal needs. Whether it be face to face advice, or by embracing technology and utilising on-line webinar mortgage sourcing facilities. Our expertise in finding the right mortgage for you is second to none, with the latest technology giving us up to the minute products from the whole of the mortgage market along with professionally trained and experienced advisers who know the way to navigate the mortgage maze.

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 £300). 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.

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.

We arrange all types of mortgages, including: Buy to Let, First time buyer mortgages, Home Mover Mortgages, Remortgages, Right to Buy, Shared Ownership, Second Purchase Mortgages and Debt Consolidation.