A BTL mortgage is a loan for purchasing rental properties to generate income. Unlike residential mortgages, it's based on rental yield potential (typically 125-145% of the mortgage payment).

Remortgaging switches your current mortgage deal to a new one for better rates, releasing equity, or extending terms. Start the process 3-6 months before your fixed period ends. We compare the whole market and we can always switch to better deals if available before the fixed period ends.

A commercial mortgage funds business properties like shops or offices and it is suitable for business owners and investors.

Life insurance pays a lump sum to beneficiaries upon your death, covering mortgages, debts, or family income essential for homeowners to protect loved ones.

Critical illness pays out on diagnosis of serious conditions (e.g., cancer, heart attack), allowing early mortgage repayment or lifestyle support, while you're alive. Combine both for comprehensive protection. Kings Gate Finance can provide best advice based on your family's needs and health history.

Income protection replaces up to 70% of your earnings if illness, injury, or unemployment prevents work (tax-free, up to age 65), vital for property investors or self-employed.

Capital raising lets homeowners unlock property wealth without moving. It is ideal for home improvement, investments or buying another property. Is it right for you? It depends on your financial situation. Contact King Gate Finance can provide tailored advice suitable to your needs.

Risks include reduced inheritance for heirs, higher debt from compounding interest, and potential impact on means-tested benefits. It could lead to negative equity if house prices fall. We provide free consultations to explain safeguards like no-negative-equity guarantees, ensuring informed decisions.

Will writing legally outlines asset distribution (e.g., property, savings) after death, avoiding disputes and inheritance tax pitfalls. We advise everyone to have one to ensure your loved ones can get the benefit of your wealth or you can ensure the right distribution of your wealth after you.

Conveyancing is the legal transfer of property ownership during buys/sells. We refer you to trusted solicitors for fast, fixed-fee services.

Founded in 2012 by MD Prajesh Shrestha, we're an independent broker serving UK homeowners with whole-of-market advice. We are based in Sittingbourne and Aldershot. You can contact us at info@kingsgatefinance.com,  03330901616 for free initial consultation.