First Time Buyers
As a first-time buyer, you're bound to have numerous questions. You'll be curious about the best methods for obtaining a mortgage, the most appropriate type for your situation, and whether to opt for a fixed rate, discount rate, capped, or tracker mortgage. Fortunately, we are here to offer all the assistance you require.
Re-Mortgages
Whether you've recently climbed onto the property ladder or have been in your home for many years, the end of your current lender's initial deal means you'll transition to the lender's variable interest rate. This almost certainly results in higher monthly mortgage payments than before. Allow us to assist you in finding a new deal.
Personal Insurance
Life insurance is quite straightforward; it provides a lump sum to your beneficiaries if you pass away during the policy's term. We can assist you with this, as well as Critical Illness cover, which pays out upon the diagnosis of a serious illness like cancer, and Income Protection, which offers a monthly income if you're unable to work due to illness. Our team of experts will recommend the most suitable policies for you and your family.
Home Movers
Moving home can often seem overwhelming, especially for first-timers unaware of potential pitfalls. Before committing to a mortgage, it's crucial to consider several key factors. Our team is prepared and available to assist and to ensure you get the best product available
Buy to Let
Whether you're becoming a landlord for the first time or looking to expand your existing portfolio, you will need to secure a buy-to-let mortgage instead of a standard residential mortgage. A buy-to-let mortgage is designed specifically for people purchasing a property to rent out to tenants. Whether you are buying under your personal name or through a company, we can assist you and ensure you get the best product for your needs.
Home Insurance
We specialize in finding a plan that offers you the best coverage at the best price, including accidental loss or damage of personal items, specific high-value items, bicycle cover, and much more, along with essential fire and flood coverage. Remember, having building insurance is a condition of your mortgage agreement with the lender.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority
About us
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At KFO Mortgages, our mission is to simplify the mortgage process and make it as stress-free as possible, whether you're purchasing a new property, seeking additional funds against your current property, or choosing a new deal for your existing mortgage.
With over a decade of experience in mortgage advice, both within a major corporate bank—one of the UK's largest lenders—and across the entire market, we possess extensive knowledge of mortgages, protection, and all related services.
The process of buying a house can be daunting and complex—allow us to make it easier for you.
Our services include:
- 95% LTV mortgages
- Mortgages for the self-employed
- Limited company buy-to-let
- Help to Buy schemes
- Solutions for adverse credit
- Council Right to Buy and Right to Acquire
- New builds
- Buy-to-let properties
- Lender-specific specialist schemes
We meticulously search through thousands of mortgage deals to find the most suitable and cost-effective options for our clients, a service your bank or building society may not offer.
We are committed to working for you and always prioritize our clients' best interests. Contact us for a free initial consultation.
`Our goal is to simplify the mortgage application process for our customers. ’
-Kyle Forde
Owner KFO Mortgages
Our contact details
KFO Mortgages is a trading name of EMS Mortgages and Protection Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.
Unit 18 • Tower Street • Century Building • Brunswick Business Park • Liverpool • L3 4BJ
Tel:07788629404
Tel: 01513 643888
Email: kyle@kfomortgages.co.uk
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered office address C/O Stuart Mcbain Ltd (Accountants) Unit 18 Tower Street, Brunswick Business Park, Liverpool, England, L3 4BJ Registration number - 13385245
Trading address - 27 Willow Avenue, Liverpool, L32 0RX
For our advice services, we will charge a fee of between £0-£999.
The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity. Our fees range between depending on the complexities of the case.
For first time buyers and purchases, our typical fee would be up to £500
For re-mortgages and product transfer our typical fee would be up to £500
For first time landlords purchases, our typical fee would be up to £500
For BTL re-mortgages our typical fee would be up to £500
For Limited Company Buy To Lets Portfolio Landlord cases, our typical fee would be up to £999