A mortgage often represents the largest financial decision and long-term commitment a person will ever make. For this reason, Kings Gate Finance provides independent mortgage advice, carefully tailored to meet individual circumstances and requirements.
With so many mortgage types available, confusion is common. A product with an attractive interest rate may appear ideal at first glance, but fees such as arrangement charges, higher lending costs, or early repayment penalties can change the overall value significantly.
Struggling with affordability on your dream home? An Income Booster Mortgage, or Joint Borrower Sole Proprietor (JBSP) arrangement, lets you leverage the income of family members like parents or relatives to enhance your borrowing power without granting them ownership rights. This innovative solution adds their earnings to your application for up to three additional boosters, making larger deposits or higher-value properties accessible, especially for first-time buyers facing high living costs. We specialise in structuring these family-assisted mortgages to protect everyone’s interests, ensuring a smooth path to homeownership with flexible terms that align with your unique support network.
Embarking on your property journey as a first-time buyer? Our tailored first-time buyer mortgages make homeownership achievable, even with limited savings, by accessing high loan-to-value options up to 95% and competitive rates designed for newcomers. From government-backed schemes to flexible repayment plans, our Kings Gate Finance advisers demystify the process, helping you navigate affordability checks, stamp duty relief, and shared ownership opportunities. With personalised guidance and whole-market access via daily-updated tools, we ensure your first step onto the ladder is confident, cost-effective, and aligned with your long-term dreams.
Considering a remortgage? It’s an excellent opportunity to switch your current mortgage to a new deal, potentially securing lower interest rates, reducing your monthly payments, or releasing equity for home improvements and other financial goals. Whether staying with your existing lender or moving to a better offer elsewhere, our expert advisers at Kings Gate Finance guide you through the process with personalised advice tailored to your circumstances. We access the entire market using daily-updated tools to find competitive options, while helping you navigate potential fees like early repayment charges to ensure the switch truly benefits your finances.
Venturing into property investment? A buy-to-let mortgage empowers you to purchase a rental property, with repayments typically covered by the anticipated rental income rather than your personal salary. Ideal for portfolio builders or first-time landlords, these mortgages come with higher interest rates and larger deposits (often 25%) but offer tax advantages and long-term wealth growth potential. Our specialists stay ahead of evolving regulations and lending criteria and helping you select deals that maximise yields while minimising risks in the dynamic rental market.
A standard mortgage, also known as a residential mortgage, is the straightforward home loan designed for first-time buyers or homeowners purchasing a property to live in as their primary residence. Unlike specialist options, it focuses on your personal income and affordability, with flexible terms ranging from fixed-rate security to variable options that adapt to market changes. At our service, we simplify the application by matching you with lenders who prioritise your needs, offering everything from 95% loan-to-value deals for those with smaller deposits to longer repayment periods up to 40 years, ensuring you find a mortgage that fits seamlessly into your lifestyle without unnecessary complications.
Serving in the armed forces? The Forces Help to Buy (FHTB) scheme offers an interest-free loan of up to 50% of your annual salary (maximum £25,000) towards your deposit, enabling you to buy or remortgage your home without the full upfront costs. Available to eligible regular personnel with at least two years’ service, it supports moves for postings or family needs, repayable over up to 13 years. At Kings Gate Finance, our advisers can support you to maximise benefits of FHTB and minimise disruptions to your service life.
If you have spent any time navigating the current UK…
First-time buyer relief is designed to help those entering the…
Dreaming of your first home but unsure how much mortgage…
Kings Gate Finance – Independent Mortgage and Protection Advice Across Berkshire, Hampshire, Kent & Surrounding Areas
© 2025 Kings Gate Finance. All Rights Reserved. Made with ❤️ Digigurkhas
