Business Details
Trusted Mortgage Brokers in Orpington
At R K Property Finance, we pride ourselves on delivering professional mortgage and insurance advice tailored to individual client needs. With over a decade of experience in the mortgage market, we operate across London, Kent, the South East, and further afield in Birmingham and Manchester. Our whole-of-market approach enables us to compare all available mortgage products, ensuring clients receive the most suitable deals based on their unique circumstances. We specialise in first-time buyer mortgages, remortgaging, buy-to-let financing, equity release, and protection services, guiding clients through every step of the process. Our commitment to transparency and customer-centric service has fostered long-standing relationships and numerous client referrals.We prioritise understanding each client's financial goals, offering bespoke solutions that align with their aspirations. From initial consultation to completion, we handle lender communications and administrative tasks, reducing stress for our clients. Our expertise extends to reviewing mortgage-related insurance policies, helping clients optimise their financial commitments. Recognising that a mortgage represents a significant life investment, we ensure continuous support throughout the property journey. Our reputation for reliability and expertise is reflected in the positive testimonials from satisfied clients who commend our clear communication and problem-solving capabilities.
Services
Mortgages
Equity Release
Protection Plans
Life Assurance
General Insurance
Highlights and features
- We offer over 10 years of mortgage market expertise
- Our whole-of-market access ensures competitive mortgage deals
- Personalised service tailored to individual financial circumstances
- Comprehensive support throughout the mortgage application process
- FCA-regulated advisory services for client protection
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Excellent service
Very helpful
Reliable
Highly recommended
Friendly
Services
Mortgages
We provide comprehensive mortgage solutions for residential and commercial property purchases. Our whole-of-market approach compares lenders to find competitive rates tailored to individual financial circumstances. Services include first-time buyer mortgages, buy-to-let financing, and remortgaging options that help clients optimise their property investments while ensuring affordability assessments meet regulatory standards.
Equity Release
Specialist equity release schemes enable homeowners over 55 to access property wealth without relocation. We offer lifetime mortgages and home reversion plans that balance immediate financial needs with long-term implications for estate planning. Our advice considers impact on benefits and inheritance, ensuring clients understand lifetime commitments before proceeding with these secured loan products.
Protection Plans
Our protection services safeguard clients against income loss through illness, critical health events, or death. Income protection policies and critical illness cover provide financial security during challenging times, while family income benefits ensure dependants maintain financial stability. We review existing policies and recommend enhancements to existing insurance arrangements.
Life Assurance
We offer term life assurance policies that provide financial protection for dependants in case of premature death. Options include level term, decreasing term, and renewable term policies that align with mortgage obligations or personal protection needs. Whole-of-life cover ensures permanent protection for inheritance planning purposes, with flexible premium structures to suit different budgets.
General Insurance
Our general insurance services include buildings and contents coverage that protects property investments against damage or loss. We review existing policies to ensure adequate protection levels while considering excess amounts and policy exclusions. Competitive quotes are sourced from multiple providers to ensure value-for-money insurance solutions that complement mortgage requirements.
Questions
What mortgage options are available for first-time buyers?
We offer first-time buyer mortgages with competitive rates, including 95% LTV options and government-backed schemes. Our advisors help navigate affordability assessments and deposit requirements.
Can I remortgage my property to release equity?
Yes, we facilitate remortgaging to access equity while considering early repayment charges and improved interest rates that may reduce long-term costs.
What areas do you cover for mortgage services?
We operate in London, Kent, South East England, Birmingham, and Manchester, offering both in-person consultations and remote advisory services nationwide.
Are your mortgage advisors FCA regulated?
Yes, we operate as an appointed representative of Julian Harris Mortgages Limited, which is authorised and regulated by the Financial Conduct Authority (FCA reference 304155).
What protection plans do you recommend with mortgages?
We recommend income protection, critical illness cover, and life insurance policies tailored to individual circumstances, ensuring financial security for mortgage commitments.
How does equity release affect inheritance?
Equity release reduces the value of your estate, potentially affecting inheritance. We provide detailed illustrations to help clients understand lifetime financial implications before proceeding.
Reviews (1)
Jake Miles
Dec 07, 2021
Report
Positive:Professionalism,Quality,Responsiveness,Value
My Girlfriend and me recently used Richards service to help us get a mortgage. Richard from the start was so helpful and went above and beyond. We will be using Richards services for our Mortgages being forwards and I will certainly recommend his serviced.
My Girlfriend and me recently used Richards service to help us get a mortgage. Richard from the start was so helpful and went above and beyond. We will be using Richards services for our Mortgages being forwards and I will certainly recommend his serviced.
