News & Updates

HMRC SA302 & Tax Year Overview Requirements: What You Need to Know If you’re self-employed and planning to apply for a mortgage, you’ve probably heard lenders mention SA302s and Tax Year Overviews. For many applicants, these documents can feel confusing at first – but they are simply part of the

A Guide to Mortgages in Lichfield: Everything You Need to Know Buying a home is one of the biggest financial decisions you’ll ever make, and finding the right mortgage is a crucial part of the process. Whether you’re a first-time buyer, a home mover, or looking to remortgage, having the

How New Build Mortgages Work: What You Need to Know Before You Buy Buying a newly built home is an exciting step—modern layouts, energy-efficient features, and no previous owners. But if you’re considering a new build property, understanding how new build mortgages work is crucial. They follow a slightly different

Why You Should Use a Mortgage Broker (Instead of Going Straight to a Bank) When you’re thinking about buying a home, remortgaging, or moving up the property ladder, your first question is usually: “Where do I start with the mortgage?” Many people head straight to their bank, thinking it’s the

Buy-to-Let Mortgages: Step-by-Step Guide for Landlords Investing in property is one of the most popular ways to generate long-term wealth, and buy-to-let (BTL) mortgages are a crucial tool for landlords looking to finance rental properties. Whether you’re a first-time investor or an experienced landlord expanding your portfolio, understanding how buy-to-let

The Complete Guide to Insurance: Protecting Your Health, Income, Family, Home, and Business Life is full of uncertainties, but the right insurance can provide the financial security and peace of mind needed to protect you, your family, your home, and even your business. At Kind Financial Services, we understand that

Home Mover Mortgages Guide: Buying & Selling at the Same Time Navigating the process of buying a new home while selling your current one can be a daunting experience. From managing overlapping timelines to finding the right mortgage deal, the task requires careful planning and coordination. Fortunately, understanding how home

When Is the Right Time to Remortgage Your Home? Remortgaging your home can be a smart financial move, helping you save money, reduce your monthly payments, or unlock equity for important expenses. However, timing plays a crucial role in maximising the benefits of a remortgage. Knowing when to act can

The Complete Guide to Mortgages for First-Time Buyers Buying your first home is an exciting milestone in life. However, when it comes to securing a mortgage, it can feel overwhelming. With so many options available and financial decisions to make, understanding the mortgage process is essential for making the right

Checking In with Kind Financial Services As we’re now into the second half of 2021, I wanted to share a little bit about what’s happening at Kind Financial Services, what we’ve achieved so far this year, what lies ahead and what we’re seeing in the market right now. We’ve had

Life Insurance: Protecting Your Family Death is a sad but unavoidable part of life, and in the insurance business, we have reason to think about it a lot more frequently than many people. Still, no matter how many of them I see, looking over reports on life insurance pay-outs is

The Future of Property Looks Green Three letters are all over your social media feeds, your inbox and the trade publications you read right now: EPC. Energy Performance Certificates have been required for any building being sold, let or constructed since 2007, and measure how energy efficient a building is

Can I Get a Mortgage When I’m a Contractor? Many contractors worry that they won’t be able to get a mortgage due to their complex income structure. Lenders do assess income for contractors slightly differently to self-employed or employed applicants, but an understanding these differences can help to get the

Bank of England Announces End of Affordability Stress Tests Analysis from Kind Financial Services Sabrina Hall The Bank of England has recently announced they are going to scrap the affordability stress tests that were put in place following a review of the mortgage market after the 2008 credit crunch. The

Intergenerational Mortgages Analysis from Kind Financial Services Sabrina Hall There has been lots of talk in the news recently about using 50-year or intergenerational mortgages to help younger people get on the housing ladder and reduce the gap between wages and house prices. However, mortgages already exist where a parent

Planning Your Remortgage Analysis from Kind Financial’s Sabrina Hall Why it’s so important to plan your remortgage. As we all know, interest rates are on the increase. However, when we look at the news it tends to focus on the Bank of England base rate. Whilst the Bank of England base

Mortgage Market Volatility: Your Questions Answered You may have heard a lot in the news about mortgage lenders withdrawing their products or changing their rates.  This may have caused you some concern if you are currently in the middle of a mortgage application or if you are unsure how it

How to Prepare Your Documents for a Mortgage Application Top Tips from Kind Financial’s Sabrina Hall How should you prepare your documents for a mortgage application? What documents do you need? When applying for a mortgage you will be asked for various documents in order to verify your income and

Skipton Announce 100% Mortgage for First Time Buyers Skipton Building Society have today announced a 100% mortgage for first-time buyers – and unlike the handful of other no-deposit mortgages currently available in the UK, it doesn’t need a guarantor. Instead, Skipton are looking for 12 months of on-time rental payments,

How to Buy a House Top Tips from Kind Financial’s Sabrina Hall Buying a house in the UK can seem complex and intimidating, especially for first-time buyers. “How do I buy a house” might sound like a silly question, but it’s really not, and it’s one that’s worth researching properly