helping you secure your mortgage.
At Kind Wealth, we have one goal in mind – to help you and your family prosper.
about
kind wealth.
Kind Wealth is a well-established Financial Services organisation, who are committed to outstanding customer service and ensuring the prosperity of you and your family. In the mortgage market, this means that we strive to get you the most suitable deal and help you minimise the total amount that you have to repay over the term of the loan.
Flint and Cook have spent the last 25 years building and maintaining a strong reputation for a reliable and quality service, specialising in the sale, letting and management of residential property throughout Herefordshire.
We both share a drive for excellence when providing a reliable and quality service.
The mortgage market changes all the time, not just in terms of mortgage deals and regulation, but also in the way lenders assess loan applications. This is why expert mortgage advice is so crucial.
One of our key strengths is that we advise clients who purchase such a wide variety of properties, we recognise that ‘one size does not fit all’. Therefore, we treat every property individually and tailor our service accordingly.
our
mortgage services.
Navigating the complex world of mortgages can be daunting, but we’re here to break it all down for you.
Whether you’re a first-time homebuyer looking to get onto the property ladder, or a homeowner seeking ways to optimise your mortgage repayments, our financial advisers are here to guide you through the entire process.
At Kind Wealth, we believe that well-informed decisions are the foundation of financial success. Our financial advisers are dedicated to providing you with clear, tailored guidance.
Whether your goal is to secure your first mortgage or to streamline your repayments, let’s work together to secure your dream financial future.
First-time buyer
Embarking on your journey to homeownership? Our experts are here to guide you through the process, ensuring you make informed decisions from the very beginning.
Home Movers
Considering upsizing your current home and borrowing a higher amount? Allow us to assist you in securing more suitable borrowing terms.
Buy-to-Let
Interested in property investment? We'll assist you in navigating the intricacies of buy-to-let mortgages, helping you make informed decisions about your rental income.
Self-employed & Business owners
As a self-employed individual or business owner, we understand your unique financial situation. Our tailored mortgage solutions cater to your specific needs.
Intergenerational
We know that sometimes parents want to help their children get on the property ladder. We are here to help you navigate the various options available.
Don’t just take our word for it.
We were first time buyers looking for a mortgage, and wanted to get the best rate. Kind Wealth were offering a discount through my company, but I would recommend using them anyway as they were brilliant, so responsive and clear and all the advice was detailed. We got a good rate on our mortgage, everything was transparent. They found us insurance but made it clear it was from their panel and we were free to go with something else if cheaper. 10/10 experience.
We chose Kind Wealth to assist us because they are already advising us with respect to our finances. We already trusted them and were delighted with their services. We found that the real value of having a mortgage advisor was in the last weeks running up to exchange when our solicitor and mortgage advisor were able to work together to get responses from the lender in timescales that would have been challenging otherwise.
I previously used Kind Wealth for my mortgage in the previous year. They provided an exceptional service which was very quick advice at much better rates than I could get myself. They found the perfect mortgage for us which has allowed us to port our mortgage at the same interest rate. We thought the service and advice given was very good that we have used them again for our house move. This time we had Joe who was very professional and always willing to help.
Don’t forget to share your experience with us by leaving us a Google review here!
FAQs
How do I qualify for a mortgage and what factors do lenders consider?
A lender will look at lots of factors to decide whether you are eligible for a mortgage. These include your finances, any debts, your credit history, how much you earn and how much you spend.
What is a deposit and how does it affect my mortgage?
A deposit is the amount you have to put towards the purchase of the property. The purchase is made up of part deposit and part mortgage. A larger deposit reduces the size of the lender’s stake in the property, which reduces their long-term risk and exposure, which in turn will usually reduce the interest rate you are able to obtain.
How much can I borrow?
Each lender is different in their approach to how much you can borrow and unfortunately there is no set calculation. The actual amount you would be eligible to borrow would be determined by the cost of the property you wish to purchase, the size of deposit you have, your income and your affordability (essentially, your ability to be able to meet the repayments, factoring in your monthly financial commitments and any future commitments).
Speak to one of our mortgage advisers and they will be able to establish how much you are able to borrow. We do not charge for doing this, and there is also no obligation to use us for a future mortgage. But we pride ourselves on our service, and hopefully you will choose to work with us going forward.
How can I improve my credit score to qualify for lower mortgage rates?
You can improve your credit score by proving that you can repay debt and cope with any credit commitments you have, such as loans or credit cards and by paying things like mobile phone bills and utility bills on time. Also, it helps to be on the electoral role.
What documents are required during a mortgage application process?
The main three types of documentation required are proof of ID, proof of income and proof of expenses.
How much does it cost to apply for a mortgage?
There are a number of costs that are incurred when applying for a mortgage, which do depend on your individual circumstances, such as your personal situation and the mortgage product that you apply for.
One of our mortgage advisers will be able to talk to you about the different costs that would be incurred, based on your situation. However, at a high level, the types of costs incurred are:
- Early Repayment Charges
- Valuation Fee
- Conveyancing
- Broker Fee
- Arrangement Fee
- Stamp Duty
- Removals
- Estate Agent Fees
let’s talk
book an introductory call.
Book a 15 minute introductory call with one of our mortgage advisers, which comes at NO COST and there is NO OBLIGATION.
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Please note
Your home may be repossessed if you do not keep up repayments on your mortgage.
Some Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 21/09/2023
