ABOUT US
- No Broker Fees to Pay
- Simple Professional Advice
Most people like to have some reassurance about the people they’re dealing with, and to be able to understand a little about the ‘culture’ within the organisation. Well, that’s fine with us, so here we go!
Firstly, what does ‘KISS’ stand for? Well, like most things we do, this is quite simple. It’s basically an acronym of
Keeping Ideas & Solutions Simple! Now don’t get us wrong, we recognise that mortgages are complicated and need to be recommended carefully, but the process of choosing the right deal can be a lot simpler if you understand the ‘language’ that some people tend to use, and that’s just one example of where we try and help. We talk to you in plain, simple English that can easily be understood, but even then, if you don’t understand, all you have to do is ask again, and we PROMISE, ABSOLUTELY GUARANTEE, that we will not be offended if you ask the same question a hundred times, as at the end of the day the most important thing for us is that you fully understand what you’re doing before you do it, and if you don’t ask questions, you probably won’t!
We purely concentrate on mortgages which are arranged from our search of the whole market (we are not linked or have any interests with any lender anywhere), as well as the insurances that usually sit alongside them (more of this later) and DO NOT arrange any investments, savings or pensions. In our opinion, the area of mortgages is complex enough in it’s own right, and we like to be experts in one area rather than a jack of all trades. All our advisors are professional, fully qualified, trained, regulated by the Financial Services Authority and passionate about what they do, and we think it shows in the service they provide.
We are not a huge faceless Company who are just interested in taking your money, and neither are we so small that we can easily get overwhelmed by the general thrust of doing high business volumes. What we think we are, and many people commend us for being so, are big enough to cope and small enough to care, as well as being efficient, honest, straight talking and sincere about what we do. In short, we sincerely promise to do our very best to help you achieve your goals, in a way that you will hopefully feel warm and welcoming.
No Broker Fees to Pay
We also don’t charge any fee for our services, although any donations are gratefully received! The question is though, why don’t we charge fees?
Well, some people think that you get what you pay for and there is no such thing as a free lunch. So they like to pay a broker fee. We beg to differ.
Our aim is to ensure that you always get the best value for money, and to do that we have radically re-invented the way in which we do business. We have cut out all the excess in our business, to such an extent that we don’t have fancy offices, we don’t have leather sofa’s so frequently found in offices where people charge fees (who pays for the sofas?), we don’t have fancy people with fancy titles discussing the latest marketing wheeze, and lastly, by dealing with the vast majority of clients via the telephone, email and post, we have dramatically reduced our costs and have become incredibly efficient.
So how do we get paid? Well, as much as we’d like to act as a charity, we do need to earn a living, and almost without exception every lender will pay a fee to us on completion of the loan for introducing the client to them, in other words a commission.
What does this mean for you? Well, nothing really, because you get exactly the same rates as if you went direct to the lender but it means that we’d be managing the process for you and making sure everything goes smoothly.
Simple Professional Advice
The next logical question for a lot of people is then based on the argument that surely we’d be swayed towards lenders who pay a higher commission than others. WE PROMISE that this is absolutely not the case with us for three major reasons:
1. We know that this is a truly competitive marketplace and it’s pretty unlikely that you would only ask us to review your options. Therefore, if we didn’t offer you the best deal, you wouldn’t do business with us!
2. Even if we were clever enough to pull the wool over your eyes, there would be every likelihood that you’d find out that you didn’t get the best deal soon after – maybe a week, a month or even a year, but you’d find out and then would never come back to us or recommend us to your friends and family – if you don’t do that, we simply don’t have a sustainable business and might as well close up now.
3. Lastly, and perhaps more importantly from our perspective, we really do passionately care about our clients and their needs, to such an extent that if we hadn’t given you the best advice, we simply couldn’t be as dedicated about what we do.
One of our hardest tasks is to convince potential customers that just because our service is free it also doesn't mean that we have compromised the quality of service or level of expertise. If that were the case, clients would not call upon us for expert opinion as frequently as they do and nor would they refer us to their friends and family as much as they do.
- First time buyers come to us for mortgage advice – for free!
- Home movers come to us for mortgage advice – for free!
- People switching their loans come to us for remortgage advice – for free!
- Employed people with high commission/bonus/allowance earnings come to us for advice – for free!
- People looking for a shared ownership advice come to us – for free!
- People who want to let out their home and buy somewhere else come to us – for free!
- People who want to buy property abroad come to us – for free!
- Property developers with multiple buy to let mortgages also come to us for advice – yes, you’ve guessed it, for free once again!
Whatever the situation, when it comes to arranging a mortgage, money is the focal point and that’s why our no fee policy is so greatly appreciated by everyone - from all walks of life.
There are no gimmicks, nor any reduction in quality. Just no fees.
It’s also important that you understand our business from a regulatory perspective and that you feel as though the products and scope of services we offer are suitable for you. To help you decide, please download and carefully read our ‘Key Facts’ Initial Disclosure Document which can be found here.
Property Abroad - Changes in the exchange rate may increase the sterling equivalent of your debt.
Buy to let - not regulated by the Financial Services Authority.