You earn well. So why is
getting a mortgage this hard?
CiK Finance is a specialist mortgage and protection firm for people whose income doesn’t fit the high street’s boxes. Director salary and dividends. Retained profits, bonus-heavy years, income spread across a portfolio or more than one company. The cases other advisers hand back are the ones we work through every week.
Book a 30-minute strategy callNo obligation. A straight answer about where you stand.
Ongoing Support
Helping you with the little things from General Insurance, Wills and Holisitic advice to help plan for your future.
*Will services are referred to a third party. Neither CIK Financial Ltd nor PRIMIS are responsible for the service received
Mortgage Advice
From buying your first home to re-mortgaging or purchasing buy to let properties, we’ll find the most suitable solution for your situation.
Protection Advice
From life insurance to critical illness cover, income protection and more, we'll help you understand your options and find suitable cover for your circumstances.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Tailored for you.
From buying your first home to remortgaging or building a buy-to-let portfolio, CiK Finance helps you put the right mortgage in place for the life you're actually living. We also handle protection, General Insurance, and Wills, so the bigger picture stays joined up rather than patched together.
Your Mortgage Matters.
Every situation is different, every income story is different. CiK Finance works from a comprehensive lender panel, taking the time to understand how your income is structured before approaching the lenders most likely to value it. No template advice, no rushed applications.
FAQ’s
If you don’t see an answer to your question please feel free to call me by clicking the button below, and I will be able to help!
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A mortgage is the loan that you take out which is secured against your property that enables you to purchase your home.
The lender will charge you 'interest' in return for lending you the money. Therefore over the term of the mortgage you will need to pay the lender interest, and repay the amount you originally borrowed fully before the mortgage ends.
The mortgage lender has the option of taking possession of the property and selling it on if the mortgage repayments aren’t made to try and recoup any losses it has suffered.
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My typical fee ranges between £250 - £1,500, this is dependent on many factors. I will always confirm clearly before any work is carried out.
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Every lender will be different in their approach to what you can borrow and unfortunately there is no set calculation. The actual amount you’re eligible to borrow will be determined by the cost of the property you wish to purchase., the size of deposit you have, your income and affordability (taking into account your monthly financial commitments and any future commitments).
Refer to our Mortgage Calculator to get an indication of what your monthly mortgage repayments could be.
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Depending on circumstances we can generally look at mortgages from 5%. Generally the larger the deposit you can afford the more attractive rate you may be able to access.
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This is simply swapping the mortgage you have on your current property for another mortgage with a different lender. You may consider this option if your existing mortgage deal has expired and you wanted to see if a more competitive deal was available. You could also consider this if your circumstances have changed and you want to borrow more. There are many reasons why you would remortgage but this does not involve moving home.
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As a minimum the following proof of income is required, we may require more and will confirm if this is the case.
If you are employed, you will need to provide at least your last 3 months payslips as a guide and sometimes your P60.
If you are self employed, the easiest way to prove your income is via SA302s which can be obtained from HMRC. Alternatively at least 2 years' trading accounts may also be acceptable to lenders. Some lenders may have other requirements.
You will also be required to provide your bank statements for the last 3 months.
If you have any other form of income, eg tax credits, then written evidence from the provider will be required.