Kent Reliance

Kent Reliance: Tailored Mortgage Solutions

Kent Reliance is a specialist mortgage lender in the UK, offering flexible and bespoke mortgage solutions for borrowers with non-standard financial situations. Whether you’re self-employed, a contractor, or a landlord expanding your buy-to-let portfolio, Kent Reliance provides mortgage options that traditional lenders often overlook.

At Kerr & Watson, we work with Kent Reliance to bring our clients access to these specialist products, ensuring that you secure the right mortgage to meet your financial goals.

Why Choose Kent Reliance with Kerr & Watson?

Specialist Lending Expertise

Kent Reliance is ideal for clients who may not fit the rigid criteria of mainstream lenders. This includes individuals with complex incomes, contractors, and landlords with diverse property portfolios. Their tailored products are designed to offer solutions to a wide range of borrowers.

Flexible Lending Criteria

Kent Reliance offers flexible lending criteria, including mortgages for self-employed borrowers with only one year of accounts, HMOs (Houses in Multiple Occupation), and limited company landlords. Their approach ensures that even more challenging financial cases are considered.

Buy-to-Let Expertise

Kent Reliance is especially well-regarded for its expertise in the buy-to-let market. They offer a variety of buy-to-let products designed to support landlords with different property portfolios, including multi-unit freehold blocks and HMO properties.

Support with Kerr & Watson

Kent Reliance works exclusively with intermediaries, ensuring that every borrower receives professional advice and support. At Kerr & Watson, we are proud to work with Kent Reliance and other leading lenders to help our clients access the best products in the market. We guide you through the mortgage process from start to finish, ensuring a smooth and successful experience.

Switching Your Rate with Kent Reliance: What You Need to Know

Kent Reliance offers a straightforward process for switching your mortgage rate. If your current mortgage product is nearing its end, switching your rate early can help protect you from potential interest rate increases or market fluctuations. Kent Reliance makes this process simple, with no valuation, legal, or application fees when switching rates, ensuring that the process is cost-effective and efficient.

By working with Kerr & Watson, you gain access to expert advice, helping you navigate the rate switch process and ensuring you secure the best option available for your situation.

Product Highlights

Buy-to-Let Mortgages

Tailored products for landlords of all sizes, including options for single properties, HMOs, and limited companies.

Residential Mortgages

Flexible solutions for homebuyers, including those with complex income streams, such as the self-employed.

Specialist Products

Kent Reliance offers bespoke mortgage products for clients with non-standard financial situations, including contractors and first-time landlords.

Why Contact Kerr & Watson?

Navigating the mortgage market can be challenging, especially if you have a non-standard financial profile. At Kerr & Watson, we simplify the process by providing expert advice and connecting you to specialist lenders like Kent Reliance. Our team works closely with all major lenders to ensure you have access to the best products tailored to your needs.

Get in Touch

Don’t miss out on the opportunity to benefit from Kent Reliance’s specialist mortgage products.

Contact Kerr & Watson today to speak with an adviser and explore how we can help you secure the right mortgage for your needs.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should speak with a qualified advisor.

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.

If you would like an agreement in principle, we’ll also arrange this for you.

Application

We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.

We will also communicate with you at every stage, from application to completion.

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Kerr & Watson | Address: Pembroke House, 8 St Christophers Pl, Farnborough GU14 0NH, UK | Phone: 01252 224620 | Email: info@kerrandwatson.co.uk | Hours: Mon-Fri 9:00–17:30

Frequently Asked Questions

▸ ▾ What does a mortgage advisor do?

A mortgage advisor evaluates your income, outgoings, credit history, and other financial commitments. They also assess property-related details, whether you’re buying or refinancing, ensuring you understand the best mortgage options for your situation. They also process the mortgage application to the lender, working with them to obtain a mortgage offer, then work with the conveyancer towards the completion of your purchase or remortgage.

▸ ▾ How does a mortgage advisor enhance the likelihood of mortgage approval?

A mortgage advisor increases your chances of mortgage approval by matching you with the most appropriate lenders, optimising your application, and navigating complex lending criteria to find the best value deal for your circumstances.

▸ ▾ What are the financial benefits of working with a mortgage advisor?

Working with a mortgage advisor can save you from costly mistakes such as choosing the wrong mortgage type or failing to meet a lender’s criteria. Their expertise often leads to securing more favourable mortgage terms and rates.

▸ ▾ Can a mortgage broker get you a better rate?

Often, a mortgage broker can find more cost-effective deals for you, even when their fees are considered, they can review the whole market and access exclusive broker only products that may not be available directly to the public.

▸ ▾ What steps should you take before speaking to a mortgage advisor?

Before speaking with a mortgage advisor, gather all relevant financial documents, including payslips, bank statements, and details of your credit history to ensure an accurate assessment of your situation.

▸ ▾ What range of financial history do mortgage advisors examine?

Mortgage advisors and lenders typically assess the last six years of your credit history to gauge your financial behaviour, this includes any missed payments or defaults.

▸ ▾ How long does it take a mortgage advisor to get a mortgage offer?

The process from application to approval of a mortgage can vary, normally this is anywhere from two to six weeks depending on the mortgage lender and the complexity of your situation.

▸ ▾ Do mortgage advisors have access to exclusive mortgage rates?

Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.

▸ ▾ What documents do mortgage advisors typically require?

Advisors typically need proof of identity, proof of address, 3 months payslips, tax calculations or accounts, bank statements, and potentially credit report to fully assess your financial situation.

▸ ▾ What are the advantages of using a mortgage broker rather than going direct to your bank?

A mortgage broker can provide whole of market advice by comparing offers from multiple lenders, potentially securing better rates and terms than a single bank’s offerings.

▸ ▾ Who are the Financial Conduct Authority?

The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.

▸ ▾ How do you know if your mortgage advisor is qualified?

A qualified mortgage advisor should have a Certificate in Mortgage Advice and Practice (CeMAP) or equivalent, which is recognised by the Financial Conduct Authority (FCA). They should also be listed on the Financial Services Register, ensuring they are authorised to give mortgage advice.

▸ ▾ How can you get a free credit report?

Lenders look closely at your credit score to decide how risky it is to lend to you. A good credit score can not only boost your chances of getting approved for a mortgage but might also get you better interest rates.

CheckMyFile offer a 30-day free trial after which a subscription fee applies, which can be cancelled any time.

CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.