Kingston Mortgage Services

Business Details

21 Years

experience

Trusted Mortgage Brokers in Tolworth

Established in 2005, we provide independent whole-of-market mortgage advice tailored to individual client needs. Our team of qualified advisers combines extensive industry experience with a thorough understanding of mortgage products to deliver personalized solutions. We manage the entire process from initial consultation to completion, liaising with lenders, agents, and solicitors to ensure efficiency.

Our commitment extends beyond property acquisition, offering regular reviews to maintain optimal financial positioning throughout the mortgage term. Accredited by the Financial Conduct Authority, we operate with transparency and ethical standards, prioritizing client satisfaction through expert guidance and exclusive product access.

Services

Mortgage Advice Remortgaging Buy to Let Life Insurance Home Insurance

Details

Year established: 2005

Highlights and features

We offer independent whole-of-market mortgage advice
Our team holds CeMAP and other industry-accredited qualifications
We provide exclusive mortgage products unavailable directly to consumers
We maintain long-term client relationships with ongoing financial reviews
We manage end-to-end mortgage processes including legal and survey coordination

Associations and certifications

Financial Conduct Authority

What people say

Professional service Knowledgeable advisers Successful completions Clear explanations Ongoing support

Website

Update Listing

Services

Mortgage Advice

We provide comprehensive mortgage advice covering first-time purchases, home moving, and remortgaging. Our FCA-regulated advisers assess individual circumstances to recommend suitable products from across the market. With access to exclusive deals, we help clients secure competitive rates while explaining all associated fees and repayment implications.

Buy to Let

Specialist buy-to-let mortgage solutions for property investors. We explain different lender criteria, interest rate options, and tax considerations while comparing products to maximize rental income potential. Our advice considers both short-term affordability and long-term investment strategies for residential and commercial property portfolios.

Life Insurance

Tailored life and critical illness cover solutions to protect families and businesses. We explain policy types including level/decreasing cover, joint/single policies, and trust arrangements. Our advice considers tax implications and ensures appropriate coverage amounts to safeguard mortgage repayments and family financial security.

Home Insurance

Building and contents insurance solutions for residential and landlord properties. We compare policies from insurers with proven claims track records, explaining coverage limits, excess amounts, and policy exclusions. Our advice helps clients select appropriate protection levels while considering budgetary requirements and specific property risks.

Remortgaging

Remortgaging services to help clients reduce monthly payments, release equity, or change mortgage terms. We analyze existing deals, calculate potential savings, and compare new market offerings. Our process includes assessing early repayment charges and advising on the optimal timing for switching lenders.

People

Chris Poore

Managing Director

BEng and CeMAP-qualified director with over 15 years' mortgage industry experience. Leads client advisory services and maintains long-term relationships through regular financial reviews.

Noel Baker

Mortgage Adviser

CeMAP-certified adviser specializing in complex mortgage cases and protection products. Provides tailored solutions for clients with non-standard income or credit history.

Scott Ward

Mortgage Adviser

Experienced adviser focusing on first-time buyer mortgages and new property purchases. Explains different mortgage types and helps clients navigate the buying process.

James Poore

Mortgage Adviser

Specializes in buy-to-let mortgages and investment property financing. Advises on portfolio management and tax-efficient mortgage structures for landlords.

Ben Kill

Mortgage Adviser

Provides mortgage solutions for self-employed individuals and small business owners. Expert in income verification requirements and specialist lender criteria.

Questions

What mortgage types do you advise on?

We cover all residential mortgages including first-time buyer deals, remortgages, buy-to-let, and specialist products for self-employed individuals.

How are your fees structured?

Our standard mortgage fees range from £92 to £493, depending on transaction complexity. We disclose all costs upfront before proceeding.

Do you offer online mortgage applications?

While we provide digital tools for initial research, our regulated advice requires personal consultation to ensure suitable recommendations.

Can you help with adverse credit mortgages?

Yes, we work with specialist lenders and provide tailored advice for clients with previous credit issues or County Court Judgments.

What insurance products do you offer?

We provide buildings and contents insurance, life cover, critical illness protection, and income protection policies tailored to mortgage requirements.

How long does the mortgage process take?

Typical completions take 8-12 weeks, though this varies based on lender processing times, property surveys, and legal formalities.

Reviews (4)

Write a Review

Paulina Mitcher

Nov 26, 2021 Report

Kingston Mortgages got recommended to us by our friends when we started the process of purchasing our first house. Knowing nothing about the process Noel from KMS spent hours walking us through different options. Our case wasn't very straightforward and a few banks offered less money that we required. Noel never gave up and fought for our case and we got our mortgage approved in the end. Thank you so much! We live in our dream home now.

Adam Ward

Jul 08, 2020 Report

Chris was very helpful and honest at Kingston Morgages. We would highly recommend and we will definitely be using them.

Alan Power

Jun 23, 2020 Report

KMS were absolute lifesavers throughout our whole buying process. Noel guided us through the whole quagmire of mortgages with respect and without trying to up-sell us, something we really needed as first time buyers. Covid delayed everything but Noel was always available and responsive even though we had to wait months to finally be able to go back to viewings. After the first lockdown, the lender we had got our Decision in Principal with lowered their offer which would have been a huge issue, but Noel managed to sort us out with an even better offer elsewhere. When that lender had reservations

John Smith

Aug 15, 2019 Report

I have had a very good experience dealing with Ben at Kingston Mortgages. I had tried other brokers previously but they were quite unhelpful and made out that the amount I could borrow was quite small.
Ben on the other hand seemed to have a much more thorough understanding of the industry and when combined with his can do attitude was able to secure me a loan of over twice what other brokers were offering.
KMS were professional and approachable if I had any questions. Would thoroughly recommend them, especially Ben.