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Free first calls Monday to Saturday, by phone or video (sample)

(555) 031-4700

[email protected]

Mortgage advice that starts with your deposit

Kestrel Lane Mortgages (sample) is an independent mortgage broker in Springfield. We compare deals from 40 lenders (sample) for first homes, moves, remortgages and buy-to-let, and handle the application with you.

Book a free first call
See the steps

A $360,000 home with a $36,000 deposit (sample)

90%

Loan to value

Loan $324,000, 90% of the price. Deposit $36,000, 10% of the price.

Loan $324,000 (90%) Deposit $36,000 (10%)

Lender bands: the largest loan as a share of the price, the deposit that band needs on this home, and the lenders on our panel lending in that band (sample).

60%

Deposit from $144,000

40 of 40 lenders

75%

Deposit from $90,000

40 of 40 lenders

80%

Deposit from $72,000

38 of 40 lenders

85%

Deposit from $54,000

34 of 40 lenders

90%

Deposit from $36,000

29 of 40 lenders

95%

Deposit from $18,000

17 of 40 lenders

Your home may be repossessed if you do not keep up repayments on your mortgage. Lenders make their own checks and decide whether to lend.

Mortgages we arrange

Each kind of mortgage has its own usual limit. The small tape shows the largest loan most lenders on our panel offer, as a share of the price or value.

First home

Buying for the first time with a deposit of 5% or more, saved, gifted or both.

Usually up to 95% of the price as a loan. Usually up to 95% of the price

More about this

Moving home

Selling one home and buying the next: keeping your current deal, or a new one for the new home.

Usually up to 95% of the price as a loan. Usually up to 95% of the price

More about this

Remortgage

Your deal is ending, or you want to borrow more for building work. We compare it with staying where you are.

Usually up to 90% of the price as a loan. Usually up to 90% of the value

More about this

Buy-to-let

A home to let, in your name or a company’s. Lenders look at the rent as well as your income.

Usually up to 75% of the price as a loan. Usually up to 75% of the price

More about this

Self-employed

Sole traders, partners, contractors and company directors with one or two years of accounts.

Usually up to 90% of the price as a loan. Usually up to 90% of the price

More about this

Usual limits across our panel (sample); each lender sets its own.

All mortgages

From first call to completion

Six steps. We do the paperwork and the chasing; you sign at the end. Typical times (sample) are on the right.

1

A free first call

Twenty minutes about the home, your income and your deposit. We say what we charge before going further.

Same week

2

Fact-find and documents

We go through your income, spending and credit history with you, and collect payslips, statements and ID.

About a week

3

Agreement in principle

A lender’s first look at your case, so estate agents know you are ready. It is not a mortgage offer.

One to two days

4

Application and valuation

We send the full application and the lender values the home. We chase it until the lender decides.

Two to four weeks

5

Mortgage offer

The lender’s written offer. We go through every condition with you before your solicitor takes over.

When the lender decides

6

Completion

Your solicitor draws down the loan and the home is yours. We note when your deal ends.

Set by the sale

What to have ready

Lenders ask for the same papers in almost every case. Having them ready saves a week or more.

A couple reading letters and bank papers together at a kitchen table

Everyone

  • Photo ID: passport or driving licence
  • Proof of address from the last three months
  • Your last three payslips
  • Three months of bank statements
  • Where the deposit comes from: savings statements or a gift letter

If you are self-employed

  • Two years of accounts or tax calculations
  • Tax year overviews for the same years
  • Six months of business bank statements
  • Company directors: salary and dividends paid
Ask what you need

How we are paid

The first call costs nothing. If you go ahead, there is one advice fee, and the lender usually pays us a fee too. You see both before you apply.

First call and comparison

Free

Advice fee, paid when you apply

Not charged if the lender declines your application

$495

Remortgage for an existing client

$295

Buy-to-let and limited company cases

$695

Commission from the lender

Lenders pay brokers a fee on completion; the amount is in your mortgage illustration

Shown in your documents

Example prices.

What the fee covers

  • A search of all 40 lenders on our panel (sample)
  • Your fact-find, documents and the application
  • Chasing the lender, the valuer and the solicitors
  • Going through the offer with you, line by line
  • A reminder six months before your deal ends

When your deal ends, we write first

Most mortgage deals run for two to five years. Six months before yours ends, we compare staying with your lender against moving, so you never drift onto the lender’s standard rate without knowing.

  • A reminder letter six months before the end date
  • A comparison with your current lender's own offer
  • No fee if staying where you are is the better choice
Remortgaging
A hand holding a set of house keys in front of an open front door

Your advisers

Three advisers and a case manager. You keep the same adviser from the first call to the keys (sample).

Ruth Calloway

Mortgage adviser and founder (sample)

First homes and moving home; started the firm in 2011.

Samir Haddad

Mortgage adviser (sample)

Self-employed and company directors, buy-to-let and limited companies.

Jo Whitfield

Mortgage adviser (sample)

Remortgages, borrowing for building work and later-life lending.

Ellen Park

Case manager (sample)

Chases lenders, valuers and solicitors and keeps you posted each week.

Guides

All guides

Visit the office

14 Kestrel Lane, first floor
Springfield (sample)

Monday to Friday

08:30–18:00

Saturday

09:00–13:00

Evening calls

By appointment

Opening times (sample). Most first calls happen by phone or video; the office is up one flight of stairs, and we meet at the ground-floor café when that suits better.

Get directions
Map of the streets around 14 Kestrel Lane
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Free first calls Monday to Saturday, by phone or video (sample)

(555) 031-4700

[email protected]

Book a free call