Buying a home is an exciting milestone, but navigating the mortgage process can feel overwhelming. With so many options available, finding the right mortgage to suit your needs is essential. But at Key Solutions Mortgages, we make securing a mortgage simple and stress-free.
Our team is here to guide you every step of the way, helping you explore the best mortgage options tailored to your circumstances. From fixed-rate to variable mortgages, we’ll find a deal that works for you. Ready to take the next step? Use our mortgage calculator to get an idea of how much you could borrow, or get in touch with our expert advisers for personalised support.
Our mortgage and stamp duty calculators are designed to make things easier for you, giving you a guide on how much you can borrow, or how much stamp duty you have to pay.
All you need to do is fill in your information and your results will be displayed immediately!
With so many mortgage options available, getting expert advice early on can make all the difference, and that’s where we come in. We’ve helped thousands of homebuyers and homeowners secure the best mortgage deals, whether they’re buying their first home, moving, or remortgaging. We’ll be with you every step of the way, from your initial enquiry to the day you get the keys to your home.
Our expert advisers take the time to understand your financial situation and goals, ensuring you find the right mortgage for your needs. Your journey to the perfect mortgage starts here – get in touch today!
Securing the right mortgage is a big decision, and we’re here to make the process as smooth and stress-free as possible. Whether you’re moving home, looking for more flexibility in your repayments, or exploring offset mortgage options, we’ll help you find the best deal for your needs.
Every homeowner’s situation is unique, which is why we provide tailored advice to ensure you secure the right mortgage. From understanding your financing options to navigating the application process, our expert team is here to guide you every step of the way.
No matter what stage you’re at, we’re committed to helping you make informed choices and find the mortgage that works for you. Let’s get started today!
Finding the right mortgage when moving home can feel overwhelming, but we’re here to make the process simple. Whether you're upsizing, downsizing, or relocating, we’ll help you secure a mortgage that fits your needs and budget, so you can focus on settling into your new home.
Looking for more control over your mortgage? Flexible and offset mortgages allow you to reduce interest, make overpayments, or adjust your repayments to suit your lifestyle. We’ll help you explore the best options to maximise savings and give you greater financial freedom.
Whether your current deal is ending or you're looking to reduce monthly payments, remortgaging could save you money or help unlock funds for other goals. We’ll guide you through the process, compare deals, and help you find a better rate or more flexible terms, without the stress.
Before you start house hunting, it's important to understand your financial position. We’ll help you review your income, expenses, credit profile, and deposit amount to get a clear idea of how much you can borrow. This step helps make sure you’re financially prepared before applying for a mortgage.
A Mortgage in Principle gives you an estimate of how much you can borrow, helping you approach estate agents and sellers with confidence. It strengthens your negotiating position and makes the mortgage application process smoother when you find the right property.
We’ll help you find the best mortgage deals tailored to your needs. Whether you're looking for fixed or variable rates, a flexible mortgage, or an offset mortgage, we’ll guide you through the key factors, such as interest rates and repayment terms, to ensure you make the right choice.
Once you've chosen the best mortgage for your situation, we’ll assist you in completing and submitting your formal application. This includes gathering key documents like proof of income, bank statements, and credit history to ensure a smooth process.
After submitting your application, the lender will review everything before making a formal offer. We’ll keep you updated at every stage, helping you understand the terms of your mortgage so you can move forward with confidence toward securing your new home.
If we say you qualify for a mortgage, then we will stand by that decision and provide you with a 100% mortgage guarantee to you that you can get the funding you require. If we don’t, we will refund any associated cost you have incurred.
Our advice to you is backed by our unique unconditional service guarantee which means if you are not happy with the service that we provide, just tell us why and we will immediately refund any fees that you have paid us.
As a trusted whole-of-market broker, we have access to nearly every mortgage product on the market as well as access to exclusive rates you won't get by going direct to a bank.
We will complete all research, administration and chasing on your behalf so you don’t have to worry about a thing! So leave it with us and your new mortgage offer will be with you quicker than you know it!
To find out more and to let us help you with your mortgage and protection needs please give us a call us on 0800 138 5856 or get in touch below.
The amount you can borrow depends on factors such as your income, outgoings, credit score, and deposit size. Lenders typically offer between 4 to 5 times your annual salary, but affordability checks will determine the final amount. Use our mortgage calculator for an estimate.
Most lenders require at least a 5-10% deposit of the property’s value, but a larger deposit (15-25%) can help you access better mortgage rates.
A fixed-rate mortgage locks in your interest rate for a set period (e.g., 2, 5, or 10 years), providing stability in your monthly payments. A variable-rate mortgage (such as a tracker or standard variable rate) can change depending on market interest rates, which means payments may fluctuate.
Yes, but you’ll need to provide more financial evidence, such as at least two years of accounts or tax returns. Lenders will assess your average income and financial stability to determine your eligibility.
Find out more about Self Employed Mortgages!
The mortgage process typically takes 4 to 8 weeks from application to approval, but it can vary depending on your lender, legal work, and any additional checks needed.
In addition to your deposit, you may need to budget for:
If your application is declined, don’t worry; our team can help you understand why and explore alternative lenders or mortgage options that better suit your situation.
Yes, this is possible through a process called “Let to Buy.” Speak to us about switching your current mortgage to a Let to Buy product.
