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Managing your Mortgage with KGJ

With the sheer number of mortgage deals and packages available, it is easy to be overwhelmed, especially when you’re making such a significant financial commitment. That’s why it is vital that you make an informed decision when taking out a mortgage, and KGJ will provide that service independently, without bias or sway to any mortgage provider.

Online mortgage calculators and price comparison sites make a very complicated process look easy, but are the deals they provide the best fit for your situation? Financial and personal well-being are closely linked, and getting the right mortgage is vital for your ongoing happiness. Mortgage advice and brokering with KGJ at your side ensures you are fully informed and happy to proceed at every stage of the process.

We are your go-to mortgage broker in Stourbridge, but we cover all over the West Midlands like Birmingham and Wolverhampton – so why not give us a call today to discuss your mortgage further?

Get Impartial Advice

As fully independent financial advisors, we only focus on getting the best deals for our clients. Get in touch to find out more about our range of impartial mortgage broker advice services.

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Our Mortgage Services

Adverse Credit Lending

Adverse credit lending is ideal for buyers with poor credit history. It often involves higher interest rates, stricter terms and increased risk for lenders due to previous credit issues.

Buy-to-Let Mortgages

Buy-to-let mortgages are loans used to purchase rental properties. They have higher deposits, different interest rates and are subject to landlord regulations. Financial and legal advice is essential.

Holiday Home Mortgages

Holiday home mortgages are loans used to finance second homes or holiday properties. They typically require a larger deposit, have higher interest rates, and may have strict eligibility criteria.

Lifetime Mortgages

Lifetime mortgages allow homeowners aged 55+ to release tax-free cash from their property without selling it, with interest accruing over the loan's lifetime, unless (optionally) paid.

Residential Mortgages

Residential mortgages are loans used to purchase or refinance a home. They typically have fixed or variable interest rates and can be repaid over a period of up to 35 years.

Short-Term Finance

Short-term finance provides interim funding when purchasing a property. Short-term finance is typically used for renovations and offers temporary capital with higher interest rates and shorter repayment terms.

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Why Choose Us?

Bespoke and Personal

Nothing beats having an expert by your side throughout your search for a mortgage. We won’t settle for anything less than the perfect solution for your situation.

Knowledgeable

KGJ has helped thousands of local homeowners get onto the property ladder in the last 50 years and our knowledge and experience of the mortgage market are second to none.

Trusted

Once clients use us as their mortgage broker, they come back to KGJ again and again for remortgaging services, because they trust us with their financial security and wellbeing.

Plain Speaking

Mortgage broker advice, and financial advice in general, can be hard to comprehend at the best of times. But KGJ will cut through the jargon and technical terms and explain everything in plain English.

Our Customers

We’ve been privileged to provide our services to many different clients over the years. Here’s what just a few of them have said about working with KGJ.

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What Is a Mortgage?

A mortgage is a type of long-term loan that is used to buy a house or other property. It is an agreement between a borrower and a lender and is usually paid back, with interest, over a specific amount of time. The property itself acts as security, or collateral, on the loan, so the lender can sell the property to recoup their losses if mortgage repayments cease.

Mortgages generally have fixed or variable interest rates and are repaid over a term of between several years to several decades, depending on the agreement. The word mortgage itself originated in the late 14th century from the Old French ‘mort’ and ‘gage’, meaning ‘death pledge’, which sounds rather dramatic. While the word has stuck, mortgages have, thankfully, changed over the centuries.

Why not contact KGJ as your mortgage broker in Stourbridge on 01384 390909, we offer bespoke advice that is tailored to you and your property situations.

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