Fee Free Mortgage & Equity Release Advice

Fee Free Mortgage & Equity Release Advice

Over 80% of Mortgages Were Arranged by Brokers Last Year

We offer fee free mortgage and lifetime mortgage advice. We do not charge fees up front or on completion. We just don't charge fees. Like all other advice firms, we get paid a commission from the lender that we recommend, but we charge nothing else.



We will listen to you. Talk to you, find out what you are trying to do. 

Give our advice and honest opinion, send you quotes if required and then leave you to it. 

At no point will you be under any obligation. We just want you to make the right decision for you.

Once you have all the information, we will leave you to decide your next step.


Fee Free Mortgage Advice

It seems that it's now the norm to pay a fee for Mortgage & Equity Release Advice. 


We have been advising on mortgages since 1993 and have never charged a broker fee. That's not to say we do it for free. We get paid by the lender that we put your mortgage with and we feel that's enough, so we don't charge anything on top.


It makes our conversations with you so much easier, as it allows us to be open and honest throughout the process and you don't have to worry that whatever happens, you're not going to get a bill from us.


We look at the 'Whole of the Market' for you, so you don't have to.
Gone are the days when you went to your own bank and sorted your mortgage and then stayed with them for the next 25 years.

Each lender has their own lending criteria and rules that they apply, whether it's because you're self employed, a first time buyer, or lending into retirement. This is why it's so important that you seek the advice of a good Mortgage Adviser, as they can offer you invaluable advice about many elements of mortgages that you may not have even considered.

We have been offering fee free mortgage advice for over 25 years, so believe it's fair to say that we have a pretty decent knowledge of the mortgage market.

So whether it's your first time in the property market, or whether you're an experienced property investor we can help and we do not charge broker fees.

Our 3 Promises to You

our promise to you

Our 3 Promises to You

In today's technological world we live in. It should be easier than ever to find the information you want regarding just about everything. But is this actually the case? 

It seems to us that, sometimes, it seems harder than ever to actually find what you want without having to give your life story first! The problem seems to be, that to get the information you want, generally means having to give away your contact details and as a consequence, you then start getting bombarded with unwanted calls and emails.
No Call Back Guarantee
When you pick up the phone to speak to us. Yes, we will spend time with you to try and understand what it is you are trying to do. Yes we will have to gather some personal data to be able to do this. We will send you quotes if that is what you want and yes we do want your business. However, after we have provided the information you need at that point, the ball is then very in much in your court. It will then be up to you to contact us. We will not phone you, we will not email you chasing up your decision. We believe, that as long as we have done our job at this stage, then you will come back to us when you're good and ready.

Fee Free Mortgage Advice
We do not charge Broker Fees, we never have done. Don't worry though, we do get paid. So how do we get paid? We get paid by the lender that we have placed you with. This is no different to Mortgage Brokers who do charge fees. The difference is that we feel that we receive a sufficient level of income simply accepting the fee paid to us by the lender. Bear in mind that we also get paid on other products aswell such as Life Cover, Income Protection and Home Insurance. You will receive our expertise and knowledge that we have gained over the last 28 years, but it will not come at a price!

Data Security
Any Information we have gathered from you, is information we need to be able to help and advise you. Regardless of whether you deal with us or not in the future. We do not share your data with anybody else. You will not receive any calls or emails from any other companies as a result of speaking with us. 

No Salesman Will Call

When you pick up the phone to speak to us. Yes, we will spend time with you to try and understand what it is you are trying to do. Yes we will have to gather some personal data to be able to do this. We will send you quotes if that is what you want and yes we do want your business. However, after we have provided the information you need at that point, the ball is then very much in your court. It will then be up to you to contact us. We will not phone you, we will not email you chasing up your decision. We believe, that as long as we have done our job at this stage, then you will come back to us when you're good and ready.

But we do get paid...

We do not charge Broker Fees, we never have done. Don't worry though, we do get paid. So how do we get paid? We get paid by the lender that we have placed you with. This is no different to Mortgage Brokers who do charge fees. The difference is that we feel that we receive a sufficient level of income simply accepting the fee paid to us by the lender. Bear in mind that we do also get paid on other products as well, such as Life Cover, Income Protection and Home Insurance, if you take them out with ourselves. You will receive our expertise and knowledge that we have gained over the last 28 years, but it will not come at a price!

It's Safe With Us

Any Information we have gathered from you, is information we need to be able to help and advise you. Regardless of whether you deal with us or not in the future. We do not share your data with anybody else. You will not receive any calls or emails from any other companies as a result of speaking with us. 

Fee Free Mortgage & 
Equity Release Advice

The Most Common Questions asked on Google Regarding Free Mortgage Advice

IS MORTGAGE ADVICE FREE?
Fees. Mortgage brokers might charge you for their service depending on the product you choose or the value of the mortgage. Others will be free to you but they'll receive commission from the lender. Some will do both. They should tell you up-front how much you will pay for their services.
DO YOU NEED A MORTGAGE BROKER?
Some brokers do check lenders' direct-only deals too. However, they are more likely to charge a fee. In reality, it's unlikely a broker could guarantee you access to EVERY mortgage, as exclusive deals can be arranged between lenders and brokers (and clubs that brokers can join).
DO I NEED MORTGAGE ADVICE?
Why it's usually a good idea to get mortgage advice. Lenders (usually banks) and brokers must offer advice when they recommend a mortgage for you. ... If you choose your own mortgage without advice it's called an “execution-only” application. Read more in Do you need a financial adviser?
It takes less than 60 seconds to get a Whole of Market Quote on our Sourcing System.
Give it a Try Now.

NO PERSONAL DETAILS REQUIRED

Try Our Free Mortgage Sourcing System
We Don't ask any Contact Details for you to get a Quote. So you Decide when to Contact us, Not the Other Way Around! 
A LITTLE BIT ABOUT US...

KIS financial solutions was first established in 1993 and was known as Kirkburton Insurance Services. It initially only offered General Insurance Products for Home, Motor, Commercial & Travel Insurance

In the year 2000, it was bought out and started to offer additional Financial Services such as Pensions, Investments, Mortgages and Savings.

Within about 5 years, it became clear that the majority of our business was Mortgage related and so we made the decision to concentrate on the Mortgage Market and so we stopped offering Pensions and Investment Advice.

This is where we still are today. We continue to act as an Independent Insurance Intermediary and have a large and extremely loyal customer base who only have their Insurance with ourselves.

However, we have a rapidly growing number of customers who come to us for Fee Free Mortgage Advice. 

FEE FREE MORTGAGE ADVICE

When we first started offering Mortgages 18 years ago, we didn't charge broker fees and this was the norm. However, since the banking crisis in 2008, the Mortgage Market has changed. In 2008, Mortgages became much harder to get and lenders were not as willing to lend. This changed the way Mortgage Brokers worked. In order to survive, the model had to change and it did. The Mortgage Brokers that survived, started charging fees. It was the only way they could continue to make a living. Many Brokers had to leave the industry because there simply wasn't enough work.

WHAT DID WE DO?

We were fortunate. Because we had our Insurance business, we were able to 'weather the storm' . We stopped focusing as much on Mortgages and instead grew the Insurance Business. We continued to do Mortgages, but we didn't actively look for them. Then around 2014, it began to change. Mortgage enquires began to increase and there were changes in legislation, which meant that all Mortgage Advisers now had to be qualified. The banks in general decided that it was easier to use the Mortgage Brokers out there who were already qualified, rather than get their own staff qualified and so there was a move away from doing Mortgages with your bank to using Brokers. So much so that in 2017, 77% of all Mortgages were done via Brokers.

So we were lucky, we weathered the storm without having to charge fees and that is how we continue to operate to this day. 

There is no difference in the way we operate. you won't get a better deal using a Broker that charges a fee, despite what they will tell you!

What we do find is that we don't have to spend much on advertising, because our customers are very happy to recommend us, knowing that we aren't going to be asking for large fees from their family and friends. So yes, maybe we could earn more money charging a fee, but then we'd probably have to spend more money on advertising trying to attract customers.

WHY DOES THE LENDER PAY US?

We source you a mortgage from the 'Whole of Market' and when we have decided on the Lender and the Product, we submit the application and all the relevant documents that they request. If that lender had to get that piece of business, they would need to employ a qualified mortgage adviser to do the same thing, which is a cost to them. They simply pay us to do that instead. We are like 'Zero Hours' employees to lot's of lenders!


TAKE A LOOK AT SOME PRODUCTS AVAILABLE

Click on the 'Source a Mortgage' link and take a look at the kind of deals you could be getting.

To obtain a quote you don't need to give us any personal information, So don't panic! No Salesman will Call. You can quote as many times as you like, to really get a feel for what is available and then when you feel you have done enough research, then you contact us.

WHAT MORTGAGES DO WE ADVISE ON?

First Time Buyers, Home Movers, Remortgage, Buy to Let, Offset, Further Advances, Product Transfers, Equity Release, Lifetime Mortgages, Home Reversion, Right to Buy, Bridging Loans, Development Finance and more...

We don't charge broker fees for Mortgage & Equity Release Advice and take great pride and satisfaction in helping people get where they want to be, knowing that we've looked after them and done the best we can.

We offer various products and services from Insurance, Mortgages, Equity Release, Conveyancing and we can even help with your Utilities. We aim to be a one stop shop for everything property related and we will save you money.

WHERE DO WE MEET?

We have been offering Mortgage Advice now for over 25 years. We have always appreciated that people lead busy lives and so we have never operated on a 9 to 5 basis.

You have the option of coming to our office, or we can come to you, whether that be at home or work and it doesn't matter what time, we will fit in with you.

HOW FAR WILL WE TRAVEL?

Whilst we can sort your mortgage out over the phone and via email, ideally, we like to meet up 'face to face' to make sure that we build the relationship. We don't want to sort your Mortgage and then disappear, as there will be times in the future where you will need Mortgage Advice and we want you to think of us first.

Areas we cover - Brighouse, Huddersfield, Halifax, Bradford, Wakefield, Dewsbury, Cleckheaton, Heckmondwike, Leeds, Burnley, Blackburn, Sheffield, Penistone, York, Chester, Skipton, Keighley and surrounding areas...

With regard to Lifetime Mortgages, we will travel Nationwide as we feel it's an essential part of the process to discuss 'face to face' to ensure that everything is fully understood.

WHAT'S THE NEXT STEP?

To make the next step you need to get in touch. Go to the 'Contact Us' section of the website, or give us a call on 01484 605931. Initially, we can deal over the phone and by email to give you an idea on the deals on offer and then meet up. Or if you would prefer we can just go straight to a 'Face to Face' meeting.

Bank of Mum and Dad
Bank of Mum & Dad
All You Need to Know Mortgage Guides
Share by: