We’ve been nominated in multiple categories in the 2026 What Mortgage Awards – Vote Here
We’ve been nominated in multiple categories in the 2026 What Mortgage Awards – Vote Here
Celebrating 25 years of business!
Guides
Which Banks Offer Joint Borrower Sole Proprietor Mortgage?
A Joint Borrower Sole Proprietor mortgage, often shortened to a JBSP mortgage, can help people buy a home when their income alone is not enough to meet a lender’s affordability requirements. This type of mortgage is particularly popular
Does Gambling Affect Mortgage Applications?
Applying for a mortgage can feel stressful, especially if you are worried about how your bank statements might look to a lender. If you have gambling transactions on your account, you may be wondering whether this could affect
What Is A Section 106 Agreement & How Does It Affect Mortgages?
When buying a property, you may come across terms that are not familiar at first glance. One of these is a Section 106 agreement. While it sounds like complicated legal jargon, it can have a real impact on
How Long Does A Mortgage Application Take In The UK?
How long does a mortgage application take in the UK? In most cases, the process takes anywhere from two to six weeks from full application to mortgage offer. Some applications move faster, while others take longer depending on
What Happens At A Mortgage Advisor Appointment?
If you are buying a home for the first time, it is completely normal to feel unsure about what happens at a mortgage advisor appointment. Many buyers worry they will be asked difficult questions, judged on their spending
Can You Pay Off A Mortgage Early In The UK?
Can you pay off a mortgage early in the UK? Yes, you can. Most lenders allow you to repay your mortgage before the end of the term, either by making overpayments or clearing the full balance. The key point is
Guides
2026 Emerging as one of the Strongest Years in Some Time for First-Time Buyers
After several turbulent years for the housing market, 2026 is emerging as one of the most stable periods for first-time buyers in recent memory. That is the assessment of Sharon Duckworth, founder and director of Key Mortgage Advice,
How to Get a Mortgage: First-Time Buyer Guide
Buying your first home is an exciting milestone, but it can also feel overwhelming if you are not sure how the mortgage process works. From understanding how much you can borrow to choosing the right lender and mortgage
Why are house prices
still rising?
The UK economy has been badly affected by Covid. So why are house prices still rising? We look at the factors and ask whether now is…
Guides
How To Transfer A BTL To A Limited Company
Transferring a buy to let (BTL) property to a limited company is a process many landlords consider to make tax and management planning more efficient. At Key Mortgage Advice, we guide clients through this complex process, ensuring you
What Is A Buy To Let Mortgage?
Your mortgage is one of the most important aspects of buying a property. If you’re purchasing a home to live in, the mortgage process is fairly straightforward. But what if you’re buying a property in order to rent
Pressure has grown on buy-to-let landlords in recent years, with new legislation meaning that they have more legal obligations than ever before. If you’re thinking of getting into buy to let, you can keep on top of everything
Guides
What Is Mortgage Protection Insurance?
Quick Answer: What Is Mortgage Protection Insurance? Mortgage protection insurance is a broad term used to describe several types of insurance that may help protect you or your family if you are no longer able to keep up
Can I Get A Mortgage With Debt?
If you are asking “can I get a mortgage with debt?”, the short answer is yes, you may still be able to. Having debt does not automatically stop you getting a mortgage, but it can affect how much
Can You Get a Mortgage on Benefits?
If you are wondering if you can get a mortgage on benefits, the short answer is yes, it may be possible. Receiving benefits does not automatically rule you out of getting a mortgage, but it can affect how
Guides
Improve EPC Before Remortgaging
If you’re approaching the end of your current mortgage deal, you may be wondering whether improving your home’s Energy Performance Certificate (EPC) before remortgaging is worth the investment. The answer depends on your circumstances. Improving your EPC may
Can I Get A Mortgage With Debt?
If you are asking “can I get a mortgage with debt?”, the short answer is yes, you may still be able to. Having debt does not automatically stop you getting a mortgage, but it can affect how much
What Is Remortgaging And How Does It Work?
Remortgaging is the process of replacing your current mortgage with a new deal, either with your existing lender or a new one. At Key Mortgage Advice, we speak to many homeowners who ask what remortgaging actually means and whether it
If you’re approaching the end of your current mortgage deal, you may be wondering whether improving your home’s Energy Performance Certificate (EPC) before remortgaging is
Key Mortgage Advice Ltd
Key Mortgage Advice Ltd is authorised and regulated by The Financial Conduct Authority. Registered in England.
Company Number 04837523
Trading Address: 276 Station Road, Bamber Bridge, Preston, PR5 6EB
Registered Address: 276 Station Road, Bamber Bridge, Preston, PR5 6EB
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
We are entered on the Financial Services Register No 312930 at
https://register.fca.org.uk/
Financial Ombudsman Services
If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email.
Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (‘FOS’). Please see the following link for further details:
https://financial-ombudsman.org.uk/
https://avistaifp.co.uk/financial-ombudsman-services/
Book a free consultation with our lovely team: with over 20 years experience, we’ll give you peace of mind and find you the best deal on the market!
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