Kay & Co Property Finance

Kay & Co Property Finance is the independent mortgage broking arm of Kay & Co.  Set up in association with John Charcol Associates to assist our clients in finding the most suitable finance options for their specific circumstances, Kay & Co Property Finance has worked with everyone from:

·         Foreign nationals, living abroad

·         British expats, living abroad

·         UK residents, earning in foreign currencies

·         Non-domiciled UK residents, with offshore or overseas income

to wealthy private individuals looking for sophisticated tailored solutions.

We give our clients access to expert mortgage advice and can assist you in finding the best mortgage deals from across the market, quickly and easily.

Independent mortgage advice service

Through this association, Kay & Co Property Finance can access hundreds of mortgages offered by lenders throughout the mortgage market. We can help you with:

ü  Switching your mortgage
We can help if you’re looking to remortgage onto better terms or raise capital on your home.

ü  Moving house
Use our expertise to get the right mortgage for you if you’re looking to move.

ü  Buy to let mortgages and portfolio refinance
As specialists in this area, we can help you if you’re looking to invest in property or refinance an existing portfolio however large or small.

ü  Expatriate mortgages
We are experienced in providing mortgage to individuals looking to invest in the UK property market.

ü  Short term leases
We are also experienced in this particular specialist field, with access to lenders who will accept very short term lease properties with good levels of borrowing potentially available.  We can consider leases as low as 10 years on certain property, please ask for details.

Whether you need help with arranging a large mortgage loan or if your requirements are more complex, we can advise on the mortgage options available to you and work closely with lenders to secure the best possible terms available, saving you the hassle involved.

A helping hand all the way

You’ll have a dedicated Mortgage Consultant who’ll manage the mortgage process from start to finish, liaising with solicitors and surveyors and working with lenders and underwriters to ensure that everyone involved provides a service that is beneficial to you. 

Your initial consultation is obligation free. There will be a minimum fee for our service of £450, of which £150 is payable when you apply, and we will retain the commission from the lender. Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed. The precise amount will depend on your circumstances and loan amount, and will be discussed and agreed before you make an application.

Exclusive mortgage deals

As part of Kay & Co Property Finance’s comprehensive service, you can get access to John Charcol’s current range of best buy and exclusive mortgage offers.  As they enjoy an enviable reputation in the mortgage market and have strong relationships with many high street lenders, they are able to negotiate market leading mortgage offers, some with enhanced benefits not available directly from the lender.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Kay & Co Property Finance is a trading style of Oastcrown Properties Limited.  Registered in England No. 1647019.  Registered Office: 24/25 Albion Street, London W2 2AX.   Kay & Co Property Finance in association with John Charcol Associates Limited Liability Partnership (LLP) whose registered office is 2nd Floor Chancery House, 53-64 Chancery Lane, London WC2A 1QU. Registered in England No. OC314490. John Charcol Associates LLP is an appointed representative of Charcol  Limited which is authorised and regulated by the Financial Services Authority (FSA reg. 427339). The cup and ball motif is a registered trademark of Charcol Limited.