Kielman Mortgages Limited
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.
I am Paul Kielman and I have been successfully helping my clients with mortgages. Getting them mortgage offers and into their homes or solving complicated remortgage problems the last 4 years with complicated personal circumstances.
CREDIT IMPAIRED / Need To Debt Consolidate?
Would need to see your credit report. Not the score. I would need the actually report to help you.
Please Email credit report to me for a review.
SELF EMPLOYED
Limited company accounts or tax docs (SA 302s)
Working out the best sources of income
Hit by Covid or declining profit/turnover?
Providing your self employment is Profitable AND sustainable I can source a mortgage for you.
LATER LIFE LENDING
Would need to access your pension to take past retirement age of 70
COMPLEX BUY TO LET MORTGAGES
Does not need to be complicated. I help plan, budget and advise on building or starting a portfolio.
ADDITIONAL BORROWING
Need full details of your current mortgage and I will advise on the cheapest option in terms of whether you need a remortgage, further advance or a second charge.
MOVING HOME
I help my clients budget moving costs and investigate their maximum borrowing.
Initial phone call, email communication, zoom/skype/teams call to discuss your needs and how I can best help meet your mortgage needs.
Assessment of affordability including a detailed analysis of income and expenditure.
Full detailed factfind including:
Applicant personal & contact details,
Adult or child dependants,
Income,
Address history,
Properties and existing mortgages,
Savings,
Existing protection policies,
Liabilities,
Credit history, and
Pensions.
Money laundering checks including ID checks and financial sanction register.
Process mortgage application. Fully written and identifying of any issues an underwriter would have and we would overcome to achieve mortgage offer.
Discussion on current and future protection needs.
You will receive a detailed suitability letter which will detail and explain all advice and recommendation given.
Ongoing support on email or via the telephone.
Recommendations to external support with Tax, Pensions, Wills, household bills etc
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Telephone
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Online (Live chat, video, email)
Your home may be repossessed if you do not keep up repayments on your mortgage.
Kielman Mortgages Limited is an Appointed Representative of Ingard Financial Limited which is authorised and regulated by the Financial Conduct Authority 450731.
Kielman Mortgages Limited is registered in England and Wales. Registered Office: F62 Cherwell Business Village, Southam Rd, Banbury, Oxfordshire, OX16 2SP. Company Number: 10891695. DPA number ZA321252
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