Expert Mortgage Advice.
Personally Delivered.
KB Mortgage Solutions searches the whole market to find the right deal for you. No call centres, no algorithms — just direct, expert guidance from your first call to getting your keys.
Your home may be repossessed if you do not keep up repayments on your mortgage.
100+ Five-Star Google Reviews
Real clients. Real results. See why hundreds across the UK trust KB Mortgage Solutions with one of life's biggest financial decisions.
Mortgage Advice Tailored to Your Situation
Whether your circumstances are straightforward or complex, we help clients in Newcastle and across the UK secure mortgages with clarity and confidence.
We regularly support:
- ✓First-time buyers needing guidance through every step
- ✓Home movers upsizing, downsizing, or relocating anywhere in the UK
- ✓Self-employed professionals with complex or irregular income structures
- ✓Clients with adverse credit history or previous mortgage declines
- ✓Landlords building and growing buy-to-let property portfolios
Not sure where you fit? Discuss My Situation
Access to Whole of Market
We search every major UK lender plus specialist providers to find you the very best deal for your exact circumstances — including rates unavailable on the high street.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
Mortgage Solutions for Every Situation
Whether you're buying your first home, remortgaging, or need specialist help — we have the right solution for your circumstances.
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Most PopularFirst-Time Buyers
Buying your first home is exciting but daunting. We walk you through every step — from deposit and affordability to finding the right lender for your situation.
Discuss My Situation
Remortgages
Is your current deal ending? Don't roll onto a standard variable rate. We search the whole market to secure a better deal quickly and without hassle.
Discuss My Situation
Buy to Let
From your first rental to a growing portfolio, expert buy-to-let mortgage advice across the whole market — maximising your property investment.
Discuss My Situation
Moving Home
Upsizing, downsizing, or relocating? We handle the mortgage side of your move — porting your existing deal or finding something better suited.
Discuss My Situation
SpecialistsBad Credit Mortgages
CCJs, defaults, IVAs, or missed payments — a poor credit history does not mean you cannot get a mortgage. We work with specialist lenders who assess each case individually.
Discuss My Situation
No Deposit Mortgages
Saving a deposit is the biggest barrier for many buyers. We access specialist 100% LTV products* and family-assisted schemes to help you get on the ladder.
*lender eligibility/criteria apply
Discuss My Situation
Self-Employed Mortgages
Sole trader, limited company director, or contractor — we know which lenders work best for your income structure and how to present your case for the strongest outcome.
Discuss My Situation
Complex Cases
Declined by a high street lender? Whether you have missed payments, defaults, CCJs, or a complex financial history, we have access to specialist lenders who consider cases others won't touch.
Discuss My Situation
Mortgage Advice & Planning
Every mortgage decision matters. We assess your full financial picture across the whole market and manage your application from first call to completion.
Discuss My Situation
Mortgage Protection
We arrange mortgage protection insurance including life insurance, critical illness cover and income protection — tailored to your mortgage and family situation.
Discuss My Situation
Life Insurance & Protection
You do not need a mortgage to need protection. We advise on standalone life insurance, critical illness cover and income protection for anyone with dependants.
Discuss My SituationYour home/property may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority. As with all insurance policies, conditions and exclusions will apply.
Why a Broker Searches More Widely Than Your Bank
Your bank can only offer its own products. As a whole-of-market mortgage broker, we compare across the market to find the best deal you're actually eligible for.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
- ✓Access exclusive rates not available on the high street — including specialist lenders
- ✓Solutions for complex income, self-employed, and adverse credit situations
- ✓Save time — we manage all paperwork and lender communication on your behalf
- ✓Expert guidance from application through to completion and beyond
Your home may be repossessed if you do not keep up repayments on your mortgage.
KB Mortgage vs Your Bank
A clear side-by-side comparison
| Feature | KB Mortgage Solutions ✓ |
|---|---|
| Whole-of-market search | ✓ Yes |
| Exclusive broker-only rates | ✓ Yes |
| Self-employed solutions | ✓ Yes |
| Complex / adverse credit | ✓ Yes |
| Named personal adviser | ✓ Karl directly |
| Free initial consultation | ✓ Always |
| Membership remortgage service | ✓ Guaranteed |
| Manages all paperwork | ✓ End-to-end |
Your bank cannot offer this across all lenders.
From First Chat to Your Keys
A straightforward, stress-free mortgage journey — we handle the complexity so you don't have to.
Free Consultation
Tell us about your situation. No credit check, no obligation — just clear, honest guidance on your options from Karl himself.
Whole-Market Search
We compare the whole market to find the best rates and terms for your specific circumstances — no algorithms, just expert judgement.
Application & Support
We handle all paperwork and liaise with lenders, solicitors, and estate agents — keeping you updated at every stage.
Get Your Keys
Mortgage complete! When your deal ends, we'll help you remortgage again — completely free of charge.
Membership CommitmentYour home may be repossessed if you do not keep up repayments on your mortgage.
Personal Service from a Named Broker You Can Trust
Karl Burns is the founder and principal adviser at KB Mortgage Solutions. With over 10 years of experience and hundreds of clients helped, Karl has the knowledge and lender relationships to find solutions where others can't.
Based in Low Fell, Gateshead and covering the whole of the UK, Karl works directly with every client. When you contact KB Mortgage Solutions, you speak to Karl. No call centres. No junior advisers.
- ✓Whole-of-market access
- ✓Specialist in complex & adverse credit cases
- ✓Transparent & honest advice — no jargon, no pressure
- ✓Directly contactable at all hours — clients comment on this repeatedly
- ✓FCA Authorised & Regulated — Registration #783508
Lender criteria vary. Eligibility depends on your individual circumstances, the specific lender, and the full details of your credit history.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Clear & Transparent Fees
Honest advice with no hidden costs — ever.
No Nasty Surprises. Ever.
Your initial consultation is always free — you only pay if we successfully arrange your mortgage, and you'll always know the exact cost before we proceed.
- Free consultation with no credit check required
- Fee only payable on successful application
- All fees agreed in writing upfront
- Complex case fees always disclosed first
- Membership remortgage service — included free
Your home may be repossessed if you do not keep up repayments on your mortgage.
Not Just a Broker. Your Personal Mortgage Expert.
We don't just find you a mortgage — we become your trusted financial partner for the life of your property journey.
You Always Speak to Karl
No call centres, no junior advisers. Every call, every email — you deal with Karl personally from day one to completion.
Whole-Market Access
Specialist providers your bank will never offer, alongside the high-street names. Genuine whole-of-market search every single time.
Complex Cases Welcome
Self-employed, adverse credit, irregular income, or previous declines — we specialise in exactly these situations.
Always Contactable
Clients consistently mention Karl responding at all hours. When you need an answer on your home purchase, he's there.
Transparent & Honest
No jargon, no sales patter — just the facts. we give you the advice we'd give our own family, clearly and without pressure.
Membership Remortgage Commitment
When your deal expires, we remortgage you again — free. A genuine long-term partnership, not a one-time transaction.
You Always Speak to Karl
No call centres, no junior advisers. Every call, every email — you deal with Karl personally from day one to completion.
Whole-Market Access
Specialist providers your bank will never offer, alongside the high-street names. Genuine whole-of-market search every single time.
Complex Cases Welcome
Self-employed, adverse credit, irregular income, or previous declines — we specialise in exactly these situations.
Always Contactable
Clients consistently mention Karl responding at all hours. When you need an answer on your home purchase, he's there.
Transparent & Honest
No jargon, no sales patter — just the facts. we give you the advice we'd give our own family, clearly and without pressure.
Membership Remortgage Commitment
When your deal expires, we remortgage you again — free. A genuine long-term partnership, not a one-time transaction.
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Frequently Asked Questions
Got questions? We've got answers. If you need more detail, we're just a phone call away.