We Can Do Better: Changing How Mortgage Advice Feels

Most people only arrange a mortgage a handful of times in their life, yet almost everyone remembers the same feeling — it took too long, it felt confusing, and communication was patchy at best.

Advisers often talk about “great service” and “quick turnarounds”, but for many clients the reality hasn’t caught up.
It isn’t usually bad intent; it’s just how the industry has always worked: slow systems, endless back-and-forth, and a sense that getting a mortgage has to be hard work.

At CiK Finance, we don’t think that’s good enough. We believe mortgage advice should feel straightforward, transparent and efficient — not stressful.
And while we won’t claim we get it perfect every time, we’re proud to keep improving how the process feels for clients.

What we see — and what we’re changing

1. The service gap
Too many firms talk about service but leave clients waiting days for a reply. We’ve built systems to stop that from happening. Clients hear from us before they have to chase, with clear updates all the way through.

2. The complexity problem
Mortgage jargon can make a simple question feel impossible. We explain everything in plain English, in a way that fits around busy lives — short calls, follow-up videos, and clear next steps.

3. The speed myth
“Fast” often means rushed. For us, it means organised. We’d rather plan properly and deliver calmly than scramble under pressure. That’s what keeps outcomes accurate and clients relaxed.

4. The short-term mindset
Many brokers move on once a deal completes. We stay in touch. Annual reviews, reminders before products end, and open lines if circumstances change — because relationships, not transactions, build trust.

A recent example

Katie and her partner had been through the process before. They knew what to expect: paperwork, delays, and lots of chasing. This time, they wanted something easier.

After an initial chat, we sent them a personalised video within 48 hours — our research, our recommendation and the reasons behind it.
They watched it that evening and gave the go-ahead the same day.
The next morning, we submitted their full application, and within 24 hours they had their mortgage offer.

Katie later shared this review:

“Honestly the most efficient mortgage application and advice we have come across. Kieran and team are super easy to contact, personable and able to walk you through all possible scenarios. Their approach makes others look slow and outdated! Could not recommend CiK enough.”

We’re proud of the speed, of course — but more proud that they felt informed, understood and never had to chase us once. That’s what “good service” should feel like.

Where we’re heading

We know there’s still more to improve.
Processes change, lender systems evolve, and client expectations rise — as they should.
Our job is to stay ahead, to make each step simpler, and to keep communication at the heart of everything we do.

Mortgage advice doesn’t need to be complicated or slow.
It just needs care, clarity and consistency.
That’s the standard we hold ourselves to, and the one we’ll keep raising.

Disclaimers
This is general information, not personal advice.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Subject to status and lender criteria.