Why CiK?

Clear, Considered Mortgage Advice.

Built on Understanding, Not Pressure

Why CiK?

Choosing a mortgage is rarely just about finding a product. For many people, it’s about timing, structure and making decisions that reflect how their income, assets and plans actually work in practice.

At CiK Finance, we provide clear, structured mortgage advice, particularly where circumstances are more complex or don’t follow a standard path.

 

Advice That Starts With Understanding

Many of our clients come to us because their situation doesn’t fit neatly into a typical mortgage application.

That might be because:

  • Income is structured across salary, dividends or multiple sources

  • Assets play a bigger role than monthly earnings

  • Property ownership involves more than one home or a growing portfolio

  • Career paths involve contracts, performance-related income or regular change

Our role is to take time to understand that wider picture before discussing options. This allows mortgage advice to be based on reality, not assumptions.

A Calm, Structured Approach

Mortgage decisions can feel pressured, particularly when deals are ending or circumstances are changing.

We take a measured approach that focuses on:

  • Explaining options clearly and in plain English

  • Structuring applications in a way that reflects how lenders assess risk

  • Considering both immediate needs and longer-term plans

  • Avoiding unnecessary complexity wherever possible

This approach is intended to help clients make informed decisions, rather than rushed ones.

Efficient by Design

We know that many of our clients are time-poor.

By taking a structured, lender-led approach from the outset, we aim to:

  • Reduce unnecessary back-and-forth

  • Avoid preventable delays later in the process

  • Keep conversations focused and purposeful

This helps advice progress more smoothly, without rushing decisions or compromising quality.

Experience With Complex Circumstances

While we support a wide range of clients, much of our work involves:

  • Company directors

  • High net worth individuals

  • Portfolio landlords

  • Sports professionals

  • Self-employed applicants with non-standard income

These situations often require a more considered, lender-led approach, particularly where income, assets or property structures fall outside standard criteria.

Get in Touch

Tel: 07966 279279

Email: Kieran@cikfinance.co.uk

Lender-Led, Not Product-Led

We work with a broad panel of lenders and take a lender-led view from the outset.

This means:

  • Understanding how different lenders assess income and affordability

  • Structuring applications to align with those criteria

  • Reducing avoidable delays or rework later in the process, so advice progresses more smoothly

Mortgage advice is always subject to eligibility, affordability and lender criteria.

Planning Ahead Matters

Planning ahead matters, particularly where time, contracts or portfolios are involved.

Many clients benefit from:

  • Reviewing their position early

  • Understanding how future changes could affect borrowing

  • Having clarity before decisions become time-critical

Whether you’re ready to act now or simply planning ahead, understanding your position can make a meaningful difference.

Not Ready to Apply Yet?

If your current mortgage isn’t ending soon, there may be value in planning ahead.

Our Track My Mortgage service is designed to help you stay informed about when it may be the right time to review your options, without pressure or obligation.

Track Your Mortgage

A Relationship Built on Trust

We aim to build long-term relationships rather than one-off transactions.

That means:

  • Being clear about what we can and can’t help with

  • Setting realistic expectations from the outset

  • Communicating openly throughout the process

  • Supporting informed decision-making, without pressure

Behind that approach is a small, experienced team who value clarity, trust and long-term relationships.

Speak to CiK

If you’re looking for clear, considered mortgage advice, particularly where your circumstances are more complex, we’re happy to have an initial conversation.

Book a confidential, no-obligation discussion

Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage advice is subject to eligibility, affordability and lender criteria. Any mortgage recommendation would only be made following a full assessment of your circumstances.
Information correct at the time of writing.