Mortgage Adviser Northampton

Are you considering buying a home, investing, or remortgaging in Northampton? As your local independent mortgage adviser, I’m here to support you through every step. I’ll answer all your questions, simplify the mortgage process, and secure the best mortgage tailored to your financial goals.

Mortgage Adviser Northampton
I collaborate with over 120 mortgage lenders, including:
BARCLAYS HALIFAX NatWest
TSB HSBC partner
Your Trusted Mortgage Advisor

Your Trusted Mortgage Adviser in Northampton

Hi! I’m Kierten Kooner, a skilled and experienced Independent Mortgage Adviser devoted to helping clients achieve their homeownership and investment goals in Northampton.

My mission is to guide individuals and families through the mortgage process, ensuring they secure the most beneficial deals tailored to their unique circumstances.

I take a personalised approach, thoroughly understanding your unique needs and financial situation to recommend the most suitable mortgage product.

As a ‘whole market’ adviser, I can secure mortgages with any lender in the UK. This includes, but is not limited to, Accord, Barclays, HSBC, Nationwide, The Mortgage Works, Principality, Santander, Skipton, and Virgin Money, along with specialist lenders such as Aldermore, Kensington, Precise, and Pepper Money.

My aim is to exceed your expectations by providing exceptional service, clear communication, and the best possible mortgage deal.

Comprehensive Mortgage Advice in Northampton

First Time Buyer Mortgages

Taking that initial step onto the property ladder can be both daunting and exciting. I will help you navigate the process, explain various mortgage options for first-time buyers, and secure the right mortgage that fits your budget and financial goals.

Explore First Time Buyer Mortgages

Home Mover Mortgages

Moving home can be stressful. I will simplify your move by finding the best mortgage option for your new property, considering your current mortgage situation. I’ll ensure a smooth transition and help you save on your new mortgage.

Explore Home Mover Mortgages

Buy to Let Mortgages

Considering entering the property investment market? Expert advice is crucial to ensure you make an informed decision. I will guide you through the buy-to-let mortgage process, recommend suitable mortgage products that align with your investment goals. Let me help you build a successful property portfolio and achieve your financial objectives.

Explore Buy to Let Mortgages

Remortgages

Looking to get a better deal on your existing mortgage? Remortgaging can be an excellent way to save money by securing a lower interest rate or borrowing additional funds for home improvements. I will help you assess your options and find the best remortgage deal for your circumstances.

Explore Remortgages

My Happy Customers!

Excellent, 4.98 Rating
Knowledgeable

Kierten's expertise was fantastic. He patiently guided me through the entire mortgage process and ensured I understood everything. He's knowledgeable and always available to answer questions. I highly recommend him!

Jasmine
Stress-free

Kierten's advice was incredibly helpful. He secured me a great mortgage rate and made the whole experience stress-free. He's friendly, professional, and I wouldn't hesitate to recommend him to anyone looking for a mortgage.

Daniel
Smooth process

As a first-time homebuyer, I was feeling overwhelmed, but Kierten was a lifesaver. He took the time to explain everything clearly and made sure I felt confident throughout the process. His advice was exactly what I needed to navigate the process smoothly.

Emily
Invaluable

Kierten's knowledge of the mortgage market was invaluable. He found a mortgage that perfectly fit my needs and saved me a significant amount of money. I'm so grateful for his help and guidance.

Syed
Responsive

Kierten was there for me every step of the way, from pre-approval to closing. He's responsive, reliable, and always kept me informed. Thanks to his expert advice, I was able to achieve my dream of homeownership.

Emmanuel

Working with a Mortgage Adviser

Mortgage advice in Northampton

As an independent mortgage adviser in Northampton, I can access and compare a broad range of mortgage products from various lenders, unlike a bank adviser who is restricted to their institution's options.

Being based around Northampton, I have local market knowledge and understand the unique financial landscape of the area, ensuring you get the best mortgage tailored to your needs.

I provide continuous support throughout the process and ensure you have the necessary protections to safeguard your home.

Leveraging my local expertise as a mortgage adviser in Northampton, I help you secure the most competitive rates and terms available.

My understanding of Northampton's housing market and lender preferences ensures a personalised approach that meets your unique needs and positions you advantageously in the market.

For your first consultation, bring financial documents such as proof of income, employment details, current debts, and personal identification. This will help me quickly assess your situation and explore suitable mortgage options.

Monthly mortgage payments depend on:
  • Loan Amount: The total amount you borrow.
  • Interest Rate: The rate on your mortgage, with lower rates leading to lower payments.
  • Loan Term: The length of your mortgage term (e.g., 15, 20, or 30 years), with longer terms resulting in lower monthly payments but more interest paid over time.

Interest rates vary based on:
  • Type of Mortgage: Fixed-rate mortgages offer stability, while variable-rate mortgages, like tracker and SVR, fluctuate with market conditions
  • Market Rates: Influenced by economic conditions and the Bank of England base rate
  • Credit Score: Higher scores typically secure better rates
  • Deposit Size: Larger deposits usually result in lower interest rates
  • Lender Variability: Different lenders offer various rates, so comparing multiple offers is essential

The duration of the mortgage process varies, but generally involves:
  • Decision in Principle: A few hours to a few days
  • Finding a Home: Time varies based on market conditions and preferences
  • Loan Application: Formal submission of detailed financial documents
  • Processing and Underwriting: Lender reviews application and conducts property appraisal, often the longest part of the process
  • Approval and Closing: Once contracts are exchanged, a completion date is set

A Decision in Principle (DIP) is a preliminary statement from a lender indicating the amount they might lend based on an initial assessment of your financial situation. It involves a soft credit check and basic review of income, expenses, and debts. While not a full mortgage offer, a DIP shows sellers you are a serious buyer and is valid for 30 to 90 days.

Applying for a mortgage involves a hard search on your credit report, which may temporarily lower your credit score by a few points. However, regular, on-time mortgage payments can improve your credit score over time by adding to your credit mix and demonstrating responsible credit management.