finance factors
Taking the FAFF out of Finance
Taking the FAFF out of Finance
At Finance Factors, we deal with the facts, talk using plain language, and make things simple and straightforward. We get to understand what is important to you, then work to make it happen without the FAFF.
Need Mortgage Advice?
Mortgage Advice for a Range of Financial Products
Are you looking for mortgage advice in Maidstone? Whether you are a first-time buyer, looking to remortgage, or need specialised lending options, Finance Factors is here to help.
Residential Mortgages
Residential mortgages are loans secured against a property intended for personal, family, or household use. We provide buyers with the funds to purchase a home while repaying the lender over time.
Remortgages
Remortgaging involves replacing an existing mortgage with a new one. This can help you secure a better interest rate, reduce monthly payments, extend the loan term, or release equity from the property.
Equity Release
Equity release and later life lending allow homeowners, typically over the age of 55, to access the equity tied up in their property. This provides funds without the need to move out the property.
First-Time Buyers
Mortgages for first-time buyers and shared ownership schemes are designed to help individuals purchase their first home. These options often come with lower deposits and various support options for accessibility.
Investment Property
Investment property mortgages are tailored for individuals purchasing real estate as an investment, such as rental properties. They offer different terms and interest rates compared to residential mortgages.
Self-Employed Mortgages
Self-employed mortgages cater to individuals with non-traditional income sources. These require additional documentation and sometimes different lending criteria to assess their ability to repay the loan.
New & Self-Build Mortgages
New and self-build mortgages provide funding for the construction of new homes. For Self-Builds, Funds are typically released in stages as the building progresses, offering flexibility to cover the varying costs of construction.
Adverse Credit
Mortgages for those with adverse credit are designed for individuals with a poor credit history. They offer specialised terms and higher interest rates to help secure a loan despite past financial difficulties.
Specialist Lending
Second charge mortgages let homeowners secure a loan against their property's equity while keeping their first mortgage. Commercial mortgages are for buying or refinancing commercial properties with suitable terms.
Need Protection and Insurance Help?
At Finance Factors, we understand that protecting your assets is just as important as securing them. Our range of insurance products ensures that you and your investments are safeguarded.
Mortgage Protection
Mortgage protection insurance ensures that your mortgage payments are covered in the event of your death, illness, or job loss. This provides financial security and peace of mind for homeowners and their families.
Building & Contents Insurance
Building and contents insurance covers the cost of repairing or rebuilding your home and replacing your personal belongings in case of damage, theft, or other insured events. This safeguards your property and possessions.
Business Protection
Business protection insurance offers financial support to businesses in the event of the death or critical illness of a key employee or business owner. This helps to maintain operations and mitigate potential financial losses.
How It Works
The Process
1.
Begin your plan and start saving your deposit/costs.
2.
Seek advice on how much you can borrow and the likely costs. Obtain an Agreement in Principle.
3.
Register with Estate Agents and use online property portals.
4.
Find your new home and agree on the purchase price. Contact your mortgage broker and instruct a solicitor.
5.
Meet your mortgage adviser to agree and submit your mortgage and protection applications.
6.
The conveyancing and mortgage process begins; be on the lookout for paperwork.
7.
Work with your mortgage broker and solicitor to receive your mortgage offer and sign contracts.
8.
Exchange contracts and agree on a completion (moving-in) date.
9.
Move in and enjoy your new home.
News & Blog
Stay in the loop with our latest educational posts. We provide market awareness and analysis.
Make an appointment or speak to one of our advisers by filling out the form here.
Phone: 07785 954074
Address: 2 Kingsbroom Court, Kingswood, Maidstone, England, ME17 3ST
Email: kbl@financefactors.co.uk
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOANS SECURED AGAINST IT.
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Finance Factors is a Trading style of Finance Factors LTD who are an Appointed Representative of Advice Solutions LTD which are Authorised and Regulated by the Financial Conduct Authority. The Financial Service Register Number is 961681.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.
Finance Factors is a Limited Company. Registered Address: Finance Factors Ltd, 2 Kingsbroom Court, Kingswood, Maidstone, England, ME17 3ST, United Kingdom. Registered in England and Wales under number 15814885.
We always aim to provide a high-quality service to our customers. However, if you encounter any problems, in the first instance please write to the registered address above, email or call Finance Factors outlining your complaint, if we are unable to resolve this, you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm).
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Some calls maybe recorded for training and monitoring purposes.