Who We Help
KB Mortgages Help A Variety Of People
Unlock your dream home with KB Mortgages, and our tailored mortgage solutions.
Within this page, we’ll explore the variety of circumstances for people that we help, including:
- First-Time Buyers: Taking that exciting first step onto the property ladder? We can guide you through the process.
- Low Deposit or No Deposit: Don’t let a small down payment hold you back. Explore options for getting started with a lower initial investment.
- Self-Employed: We understand the unique financial situation of self-employed individuals.
- CIS Contractors: We can help navigate the mortgage process for contractors in the Construction Industry Scheme (CIS).
- Visa Applicants: Moving to the UK and need a mortgage? We can help you understand your options.
- International Income: Working for a company abroad? We can explore mortgages for those with international employment.
No matter your situation, KB Mortgages is committed to helping you achieve your dream of homeownership. We offer a variety of mortgage products, competitive rates, and a team of experienced loan officers who will work closely with you to find the perfect solution. Let us help you unlock the door to your dream home!
First Time Buyers
Taking that exciting first step onto the property ladder? We can guide you through the process.
Buying a home can feel overwhelming, but it doesn’t have to be. Our team of experts will be with you every step of the way, from understanding your budget and financing options to finding your dream home and navigating the closing process. We’ll answer your questions, explain complex jargon, and make sure you feel confident and informed throughout your homebuying journey.
Don’t let the unknown hold you back. Contact us today for a free consultation and let’s turn your dream of homeownership into reality.
Low Deposit or No Deposit
Don’t let a small down payment hold you back. Explore options for getting started with a lower initial investment.
Many people dream of homeownership, but the idea of saving a hefty down payment can feel daunting. The good news is, there are ways to turn that dream into reality sooner than you think. By considering alternative financing options and creative strategies, you can get your foot in the door of the real estate market without needing a huge chunk of cash upfront. Remember, homeownership can be a path to building wealth and financial security.
So, take advantage of these options, do your research, and speak to a qualified lender to find the best fit for your situation.
Self-Employed
We understand the unique financial situation of self-employed individuals. Unlike traditional employees with steady paychecks, your income may fluctuate throughout the year.
That’s why we offer a variety of mortgage products designed for self-employed borrowers, considering factors like average income over multiple tax years instead of just the most recent one. We also recognize the importance of a solid business plan and strong financial record-keeping. To help you navigate the application process, we have dedicated mortgage advisors experienced in working with self-employed clients.
They can guide you through the specific documentation required and answer any questions you may have throughout the process. Our goal is to make getting a mortgage a smooth and achievable experience for self-employed individuals like you.
CIS Contractors
We can help navigate the mortgage process for contractors in the Construction Industry Scheme (CIS).
Our understanding of CIS regulations and how lenders view CIS income means we can streamline the application process for you. We’ll guide you on the paperwork you need to gather, including recent CIS payslips and bank statements, and help you present your income in a way that strengthens your mortgage application.
Additionally, we can connect you with lenders who are familiar with CIS and offer competitive mortgage products for contractors in your situation. With our expertise, you can focus on what you do best – building and renovating – while we take care of the complexities of securing your home loan.
Visa Applicants
Currently on a VISA and need a mortgage? We can help you understand your options.
Even if you’re new to the country, there are paths to homeownership. Our mortgage advisors can explain the different types of VISA mortgages available to you, and help you find one that suits your financial situation and long-term goals.
We’ll also walk you through the application process, from gathering the necessary documents to understanding the legalities involved. Don’t let navigating a new mortgage system hold you back from your dream of UK homeownership – let us guide you through the journey.
International Income
Working for a company abroad? We can explore mortgages for those with international employment.
Having a job overseas shouldn’t hold you back from homeownership. We understand that financing a home can seem complicated when your income comes from another country. Our team is experienced in helping international employees navigate the mortgage process.
We’ll work with you to find the best loan options based on your specific situation and income verification from your foreign employer. Don’t worry about the distance, foreign income is no issue for our mortgage advisors.
