Business Details
25 Years
experience
Trusted Mortgage Advisors in Preston
Established in 2001, Key Mortgage Advice has built a reputation as a trusted mortgage advisory service across the North West. With physical offices in Preston, Southport, and Garstang, and over two decades of collective experience, our team of FCA-regulated advisors specialises in delivering tailored mortgage solutions across residential, commercial, and equity release sectors. We operate as an independent brokerage, comparing mortgage products from 100+ lenders to secure competitive rates without hidden fees. Our service model prioritises transparency, with advisors guiding clients through every stage from initial consultation to completion.We maintain regulatory compliance through annual audits by the Financial Conduct Authority and hold full membership in the Financial Services Register. Client-centric practices include free initial consultations, accessible mortgage calculators, and a complaints resolution process that meets statutory requirements. Our digital platform provides educational resources including video guides, mortgage-specific calculators, and detailed service-specific guides covering first-time buyer mortgages to commercial financing options.
Services
First Time Mortgages
Commercial Mortgages
Buy To Let Mortgages
Lifetime Mortgage
Remortgages
Details
- Year established: 2001
Highlights and features
- Our advisors hold over 20 years of combined mortgage industry experience
- We maintain FCA regulation and membership in the Financial Services Register
- 5-star customer ratings across multiple independent review platforms
- We compare 100+ lenders including exclusive deals unavailable on high street
- Annual compliance audits ensure ongoing regulatory and ethical standards
Associations and certifications
- Financial Conduct Authority
- Financial Services Register
Services
First Time Mortgages
Specialist support for first-time homebuyers navigating the mortgage process. Our advisors explain loan-to-value ratios, government assistance schemes, and deposit requirements while comparing competitive rates. We simplify legal documentation and coordinate with solicitors to ensure smooth property purchases for new homeowners.
Commercial Mortgages
Tailored financing solutions for commercial property acquisitions and business premises. Our brokers assess business financials, property valuation requirements, and lender criteria across banks and specialist providers. We support clients with loan structuring, interest rate options, and documentation for business property financing.
Buy To Let Mortgages
Expert guidance for property investors seeking rental income mortgages. We evaluate rental yield calculations, stress-test against void periods, and compare landlord insurance products. Our service includes portfolio management strategies and guidance on corporate structuring for multiple properties.
Lifetime Mortgage
Secure tax-free cash from property equity for retirement planning. Our specialists explain lifetime mortgage terms, negative equity guarantees, and inheritance implications. We compare plans from specialist lenders and ensure compliance with Equity Release Council standards during the application process.
Remortgages
Optimize mortgage terms through competitive rate comparisons and equity release options. Advisors review existing mortgage terms, calculate potential savings, and manage early repayment charges. We facilitate seamless transitions between lenders while maintaining compliance with current regulatory requirements.
Questions
How do I start the mortgage application process?
Begin with a free consultation where we assess your financial situation and property goals. We'll pre-select suitable mortgage options before formal application submission to lenders.
What documents are required for a mortgage application?
Typically two forms of ID, three months' bank statements, and recent payslips. Self-employed clients provide business accounts. Our advisors confirm specific requirements during initial consultations.
Can you help with adverse credit mortgages?
Yes, we work with specialist lenders who consider complex credit histories. Our brokers assess your specific circumstances and identify suitable mortgage products.
What are the benefits of using a mortgage broker?
Brokers access exclusive deals, negotiate better rates, and streamline paperwork. We handle communication with lenders and solicitors, saving you time while ensuring regulatory compliance.
How are mortgage interest rates determined?
Rates depend on loan-to-value ratios, credit scores, and market conditions. Our advisors explain rate types (fixed/variable) and help clients choose optimal options for their financial circumstances.
