UKFCS Mortgage Specialists

Business Details

20 Years

experience

Independent Mortgage Advisors in Gravesend

Established in 2006, UKFCS Mortgage Specialists has been delivering tailored mortgage and financial solutions to clients across the UK. Our team of qualified advisors leverages over 40 years of collective experience to provide independent, whole-of-market advice, ensuring clients access the most suitable products from 90+ lenders. We specialize in residential and commercial mortgages, bridging and development finance, and protection insurance, prioritizing client needs through transparent, ethical practices. Our FCA regulation underscores our commitment to professional standards, while our access to exclusive products and specialist lenders enables us to address complex financial requirements. We maintain a client-centric approach, offering continuous support from application to completion, and emphasize clear communication to demystify financial processes.

Our track record reflects our dedication to securing successful outcomes, whether for first-time buyers, self-employed individuals, or high-net-worth clients. By combining market-leading technology with personalized service, we ensure clients receive both efficiency and expertise. Our office in Gravesend, Kent, serves as a hub for nationwide support, reinforced by a network of specialist lenders and debt funders. We adhere to core values of honesty, accessibility, and tailored solutions, ensuring each clients unique circumstances are fully understood and addressed. This approach has solidified our reputation as trusted advisors, helping clients navigate the evolving financial landscape with confidence.

Services

Mortgages Commercial Finance Bridging Loans Development Finance Protection Insurance

Details

Year established: 2006

Highlights and features

We offer access to over 90 lenders and exclusive mortgage products.
Our team has 40+ years of combined experience in mortgage and finance.
We provide FCA-regulated, independent, and client-first advice.
We specialize in complex cases, including self-employed and high-net-worth clients.
We offer continuous support from application to completion.

Associations and certifications

Financial Conduct Authority (FCA)

What people say

Highly Recommend Supported and well-informed Reliable professional service

Website

Update Listing

Services

Mortgage Advice

We provide independent mortgage advice tailored to individual circumstances, offering access to over 90 lenders and exclusive products. Our FCA-regulated advisors ensure transparent, ethical recommendations for first-time buyers, home movers, and buy-to-let investors. With expertise in complex cases, including self-employed clients, we secure competitive rates and long-term affordability.

Commercial Finance

Our commercial finance services cover mortgages, bridging, and development loans for businesses and investors. We connect clients with specialist lenders, private banks, and debt funders to structure solutions for projects ranging from 50,000 to 50 million. Our advisors prioritize tailored financing, ensuring alignment with business growth and investment goals.

Protection Insurance

We offer whole-of-market protection insurance advice, including life cover, critical illness, and income protection. Our advisors help clients safeguard families and businesses against unforeseen events, sourcing policies from providers not always accessible to the public. We emphasize clear communication and bespoke strategies for long-term security.

Bridging Loans

Our bridging loan services provide rapid funding solutions for property purchases and development projects. With access to specialist lenders, we arrange flexible, short-term finance for clients needing quick completion, such as auction purchases or chain breaks. Rates and terms are tailored to individual transaction requirements.

Development Finance

We facilitate development finance for residential and commercial projects, connecting clients with lenders experienced in complex schemes. Our advisors structure financing from 50,000 to 50 million, supporting developments from small renovations to large-scale builds. We focus on securing terms that align with project timelines and profitability goals.

People

Danny Carter

Managing Director

Danny leads UKFCS Mortgage Specialists with over 20 years in financial services, driving strategic growth and client-focused solutions. He emphasizes ethical advisory practices and access to specialist finance products.

Kirk Bowles

Mortgage & Protection Advisor

Kirk provides expert mortgage and insurance advice, leveraging 15 years in finance to address client needs. He specializes in complex cases, ensuring tailored solutions for residential and commercial clients.

Rebecca Russell

Administrator

Rebecca supports clients with administrative expertise, ensuring seamless processing of mortgage and insurance applications. Her focus on clear communication enhances client experience and service efficiency.

Questions

What services does UKFCS Mortgage Specialists offer?

We provide mortgages, commercial finance, bridging and development loans, and protection insurance, with access to 90+ lenders and specialist products.

Are your advisors FCA regulated?

Yes, we are directly authorized and regulated by the Financial Conduct Authority (FCA) under number 435495.

How do you help clients find the right mortgage?

We assess individual needs, offer whole-of-market advice, and connect clients with lenders, including exclusive products not available to the public.

Do you assist with complex mortgage cases?

Yes, our advisors specialize in complex scenarios, including self-employed clients and high-net-worth individuals.

What areas do you serve?

We operate nationwide from our Gravesend, Kent office, supporting clients across the UK.

Reviews (6)

Write a Review

Leigham Callow

Dec 26, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
3rd time using UKFCS and wouldnt go elsewhere. Current and competent with market conditions, and knowledgable despite a volatile financial environment.

Eleanor G.

Dec 17, 2021 Report

Positive:Professionalism,Responsiveness,Value
Highly recommend these mortgage specialists- they helped make the stressful experience of getting a mortgage approved as quick and painless as possible. Very professional and helpful

Kousik Dey

Jul 15, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
I have used Kirk as a mortgage broker through UKFCS for more times than I can remember over the last 10 or more years. I will keep coming back too if my mortgage needs change as they always find amazing deals and make the process as easy as it can be. Can't thank them enough.

Alan Mehmet

Jun 17, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
UKFCS made finding the perfect mortgage simple. From start to finish, everything was handled professionally, promptly and without the need to chase. Would highly recommend for anyone looking for a pain-free mortgage specialist

Taz Marsden

Jun 17, 2021 Report

We cant recommend UKFCS enough with helping us buy our first home! Ashley was so helpful dealing with two mortgage applications for us during the pandemic, my partner is self employed and had been for less than two years and he came up with solutions for us that our previous mortgage advisor hadnt. He kept us fully updated and got our mortgage offer issued with no problems at all. Rebecca sorted out all of our paperwork ensuring we had sent everything over and again was so helpful and quick to deal with queries. Thanks again both, we will definitely be back in the future!

Josiah Jordan

Mar 25, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Excellent service - very friendly people who are also very professional. They kept on top of the whole thing and were always polite and very knowledgeable. Highly recommended!