Advising you on the best deals for your mortgage and protection

 

There are several reasons to use KB Mortgage Solutions:

  • Access to the ‘Whole of the market’ (over 60 different lenders) to find you the best deal around. We could save you hundreds, if not thousands.
  • Help and advice from start to finish, making the whole experience as stress-free as possible.
  • Low priced £295 fee for successful applications. Fee free service for existing clients.
  • Expert knowledge of mortgage criteria and the mortgage market having arranged hundreds of mortgages, and therefore having extensive experience.
  • Industry contacts to help the process run smoothly
  • Exclusive broker rates may be available
  • One dedicated point of contact – you won’t be passed on to a case handler but will deal with your adviser throughout. Therefore you will be sure to receive a fantastic service.
  • Lots of experience in the Buy to Let market for investors or first time landlords
  • Friendly mortgage advice.
  • Can put together a full package for you, by arranging your mortgage protection and home insurance, in addition to the mortgage, so that everything is in-house.

Mortgage Advice

Mortgage Advice

KB Mortgage Solutions Ltd are a North East based, whole of market, mortgage broker.
We cover the whole of the UK, but have ties with local North East Estate agents, which primarily operate in Low Fell (Gateshead) and Durham. We have years of experience in mortgages for residential purposes or buy to let, so whether you’re a first-time buyer or an experienced property portfolio investor, we’ll be glad to help.
We pride ourselves on first class service for all customers.

At KB Mortgage Solutions, we could save you ££££’s on your mortgage if you come to us, instead of going directly to your bank.

We have access to the ‘Whole of the market’, so we’ll be sure to find you the best deal. We’ll take into account the overall cost and your eligibility, not just the lowest interest rate, in order to tailor you with the best mortgage product.

Not only that, but when your initial introductory rate is coming to and end, we’ll help you get a better deal by re-mortgaging, helping you save time and time again in future. The potential savings can be enormous, and we could even help you to release some of the equity you’ve built up over the years if you’re looking to capital raise for many reasons, such as to buy a new property, for home improvements, or even just personal use.

Please note – you may have to pay an early repayment charge if you re-mortgage before your mortgage deal ends.

Been rejected by your bank for a mortgage? Every lender has different eligibility criteria, affordability requirements, and credit scoring. Therefore it may not be the end of the road, and with our expertise, we may be able to place you with another lender. Get in contact for a consultation and we’ll be happy to advise.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We also advise on Buy to Let mortgages for seasoned landlords or first-time investors. Typically there are lots of different requirements involved, and we will be happy to find you the best deal, whilst also taking into account the lenders rental, property, and applicant criteria.

Please note – not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

First Time Buyer ✓

Home Mover ✓

Re-Mortgage ✓

Buy to Let ✓

Financial Protection Advice

Financial Protection Advice

At KB Mortgage Solutions, we strongly believe In looking after our clients, and so that includes highlighting any potential risks one could come across when they are taking on a large financial commitment.

A mortgage will probably be the largest financial commitment you will ever make, and therefore its important to protect yourself – and your family – against the unforeseen.

Would you or your partner still be able to cope if either of you were to pass away or become critically ill during the mortgage term? Would your level of savings and work benefits be sufficient? Would you still be able to pay for your mortgage, all of your bills, and maintain your lifestyle without the income or on one income? Would your family be forced into a quick sale of the family home, and need to up-root at a difficult time, if you pass away? At auction, where properties are typically sold well below market value, would the property be sold at a price  sufficient to clear the remaining mortgage? Would it be best to cover your mortgage, so that the home could be left behind to your loved ones if you passed away? Do you have little provisions in place elsewhere and so would it be best to protect your income too?

These are all questions you need to ask yourself.

We’ll look at your circumstances to highlight any shortfalls, discuss the options, and with your opinions in mind, agree to a budget. Then we can recommend to you the most suitable cover.

Please note – as with all insurance policies, conditions and exclusions will apply.

Life Insurance ✓

Critical Illness Cover ✓

Income Protection ✓

Mortgage Protection ✓

Building & Contents ✓

About us

About us

KB Mortgage Solutions Ltd are a nation-wide mortgage broker, so communications are mainly done via telephone consultations. Face to face appointments can be arranged in the north east area, however most of our clients find the telephone consulations to be a lot easier and more efficient. It was founded by mortgage adviser Karl Burns, who is a fully qualified mortgage and protection adviser, and has lots of experience in the mortgage industry and mortgage brokering. He holds the relevant CeMAP qualification, as well as a whole host of other qualifications, including an accounting degree (BA).

KB Mortgage Solutions Ltd are an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which are authorised and regulated by the Financial Conduct Authority.

Registered Office: International House, 12 Constance Street, London E16 2DQ. Registered Company Number: 11156361. Registered in England & Wales.

Proprietor: Karl Burns BA CeMAP – Senior Mortgage and Protection Adviser.

Secured Lending

Think carefully before securing debts against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.

Broker fee

There may be a fee for arranging a mortgage,  typically a broker fee of £295 will apply for new customers.

Any applicable fee would not be paid to us until submission of a full mortgage application, so please get in touch by emailing enquiries@kbmortgagesolutions.co.uk or filling out the enquiry form on the contact page. You can also contact karl.burns@kbmortgagesolutions.co.uk. Let’s see if we can help first, and see how much we can save you.

Contact

Contact

For a free consultation, please get in touch by filling out the enquiry form or emailing karl.burns@kbmortgagesolutions.co.uk. If we’re able to help with your enquiry, and hopefully save you money too, a fee of £295 may be applicable.

Your home may be repossessed if you do not keep up repayments on your mortgage

Alternatively you can email enquiries@kbmortgagesolutions.co.uk

KB Mortgage Solutions Ltd will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information.

Why do you need my data and what will it be used for?

We need to know your basic personal data so we can make contact with you and respond to your message, request or query. All the personal data we process is processed by our staff in the UK.

Who is my data shared with?

Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details.

How long do you keep my data for?

We may store your data for up to six years past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to processing of your data. To do this, please contact karl.burns@kbmortgagesolutions.co.uk

What are my rights?

You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of processing. If you wish to raise a concern related to how we have handled your personal data, you can contact us to have the matter investigated at compliance@sdlgroup.co.uk. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the information commissioner’s office: https://ico.org.uk

By selecting the box, you acknowledge that you have read and understood the above privacy notice and consent to its terms.

Refer a friend or colleague?

If you’re a client of KB Mortgage Solutions, you can be rewarded with a £50 voucher for successfully referring any family, friends or colleagues to us. The voucher will be paid on completion of the referred clients mortgage. Terms and conditions apply. This voucher offer could be withdrawn at any point, and without notice – so make use of this whilst the offer is still valid.

Please note that new customers are charged a £295 broker fee for the service and work involved.