Why Getting a Mortgage in Northamptonshire Shouldn’t Feel Like a Full-Time Job
If you’ve ever tried to arrange a mortgage while juggling work, family, and life in general — you’ll know how quickly it can feel like a full-time job.
Endless emails. Multiple appointments. Chasing documents. Unclear updates. It’s an experience many clients tell me they never want to repeat.
And yet — mortgage advice in Northamptonshire often still feels stuck in the past.
When I retrained as a mortgage adviser in 2020, it surprised me just how far behind the industry still was. I was told I’d need to visit clients in their homes, spend hours across multiple meetings — often with long gaps in between — just to get a deal across the line.
That’s not what my clients want. And it’s certainly not how life works now.
The modern client — and why advice needs to change
The clients we work with at CIK Finance come from across Northamptonshire:
From growing families in Wootton and Collingtree…
To business owners in Towcester and Brackley…
To senior professionals in Moulton, Boughton, and Market Harborough.
And increasingly, remote-working London professionals relocating to Northampton and surrounding villages.
The common thread?
Time is limited — but expectations are high.
They don’t want a mortgage adviser to add to their life admin list. They want clarity, convenience, and an expert who can take the weight off their shoulders.
The old way vs. the CiK way
Traditional advice often still looks like this:
Multiple face-to-face meetings
Endless paperwork
Little visibility on where things stand
More chasing than clients should ever have to do
At CIK, we’ve rebuilt the process to match how modern life works:
A structured Discovery Call (usually 30 minutes) to understand your full picture
Clear guidance on what documents we need — collected up front
Deep research and strategy behind the scenes — so your case is packaged properly first time
Regular updates — so you always know where things stand
Hands-on support right through to completion — not just at approval stage
This approach is built for busy people — whether that’s a company director in Great Billing, a consultant in Olney, or a family buyer in Pitsford.
Why this matters even more for layered income
If your income isn’t simple PAYE — for example:
You’re a limited company director
You have a mix of salary, dividends, retained profits, investments, pensions, land & property
You run multiple revenue streams or receive income from higher risk investments
The need for proper, efficient advice becomes even more critical.
Packaging that income correctly for lenders takes care, expertise, and preparation. It also takes time — but it’s time that we, not the client, should be spending.
Why clients choose CIK
Clients tell us they choose us not just for rates — but for:
How we simplify the process
How we communicate clearly and efficiently
How we save them time — without compromising advice
In short — they want to get the right result, with the least friction possible.
And that’s exactly how we’ve designed the business.
Ready to make your mortgage process easier?
If you’re based in Northamptonshire — whether that’s Northampton itself, Wootton, Towcester, Olney, Brackley, or anywhere nearby — and you want a mortgage process that fits your life (not the other way around)… we’d love to help.
Our first step is simple — a 30-minute Discovery Call.
It’s where we understand your picture and map out a strategy to make everything run smoother from day one.
Book your Discovery Call here →