Mortgage Advice & Planning: Expert Guidance for Every Step.
Every mortgage decision matters, from choosing the right product to structuring your application. Access over 100 lenders with personalised, whole-of-market advice from an adviser who works for you.
Your home may be repossessed if you do not keep up repayments on your mortgage.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
Whole of Market Access*
Including specialist adverse credit providers
Understanding Mortgage Advice & Planning
Without professional advice, it is easy to choose the wrong product, apply to the wrong lender, or miss opportunities that could save you thousands. As a whole of market mortgage broker with access to 100+ lenders, we ensure every recommendation is based on your situation. With our KB Property Life-Time Guarantee (subject to terms), future like-for-like remortgages are arranged free.
Whole-of-Market Search
We compare products across 100+ lenders to find the right match — not just the cheapest headline rate.
Application Management
From initial advice through to mortgage offer, we manage every step so nothing is missed or delayed.
Why Choose KB Mortgage Solutions
- ✓Whole-of-market access including specialist adverse credit providers not found on comparison sites
- ✓FCA-regulated advice personalised to your circumstances (Firm Reference: 783508)
- ✓£295 fixed fee — payable on application — never upfront
- ✓Property Membership Guarantee — all future like-for-like remortgages arranged free
- ✓Speak directly to Karl — one dedicated adviser, not a call centre
- ✓No hard credit searches during initial assessment — your credit file is protected (a hard search is required at full mortgage application, as standard)
- ✓UK-wide service by phone and online — no need to travel
Lender criteria vary. Eligibility depends on your individual circumstances, the specific lender, and the full details of your credit history.
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 Guidance Tailored to Your Situation
No two mortgage applications are the same. We take the time to understand your circumstances and goals before recommending the right approach.
Choosing the Right Mortgage Type
Fixed rate, tracker, discount, or variable — each works differently and suits different circumstances. We explain the pros and cons in plain English so you can make a confident decision.
Affordability & Budgeting
Lenders calculate borrowing using their own models and the results vary significantly. We identify which lenders take the most favourable view of your income to maximise your borrowing potential.
Mortgage Term Planning
The length of your term affects both monthly payments and total interest paid. We help you find the right balance between affordable monthly costs and reducing the overall cost.
Agreement in Principle
An AIP shows sellers and agents you are a serious buyer with borrowing confirmed. We arrange this without a hard credit search where possible to protect your credit file.
Complex Income Structures
If your income comes from multiple sources — self-employment, contracts, commission, overtime, or rental income — not all lenders assess it the same way. We find the ones that work in your favour.
Ongoing Mortgage Reviews
Your circumstances change over time. We review your mortgage regularly and arrange like-for-like remortgages free through our Life-Time Guarantee (subject to terms).
Your home may be repossessed if you do not keep up repayments on your mortgage.
Why Professional Mortgage Advice Matters
Many people go directly to their bank or a comparison site — but this limits your options and misses deals only available through brokers.
- ✓Different lenders assess affordability differently — a search across 100+ lenders often reveals options your own bank would not offer
- ✓Every declined application leaves a hard search on your credit file — getting the match right first time matters
- ✓Mortgage products change frequently — we monitor the market and identify the right time to lock in a rate
- ✓Our Life-Time Guarantee (subject to terms) means you are not just getting advice for today — we look after your mortgage for the long term, free
Your home may be repossessed if you do not keep up repayments on your mortgage.
Going Direct vs Using a Broker
A clear side-by-side comparison
| Feature | Going Direct to a Bank | Using KB Mortgage Solutions |
|---|---|---|
| Lender Options | One bank's products only | 100+ lenders compared |
| Advice | Limited to their own range | Whole-of-market, FCA-regulated |
| Exclusive Rates | No | Yes — broker-only deals |
| Application Support | Self-managed | Fully managed by Karl |
| Ongoing Reviews | None | Life-Time Guarantee† |
| Cost | Free (but limited choice) | fixed fee on success only |
KB Mortgage Solutions Life-Time Guarantee is subject to terms and conditions. Available on like-for-like remortgages on the same property.
Karl Burns — Specialist Mortgage Adviser
Karl Burns is the founder and principal adviser at KB Mortgage Solutions. With over 10 years of experience and more than 1,000 mortgages arranged — many for clients turned down elsewhere — Karl has the lender relationships and specialist knowledge to find solutions that mainstream brokers simply cannot access.
Over 100 Five-Star Google Reviews
Most of our clients come from recommendations — a testament to the service Karl provides.
Your Questions Answered
Got questions? We've got answers. If you need more detail, we're just a phone call away.
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Learn MoreYour home may be repossessed if you do not keep up repayments on your mortgage.
Get in Touch — It's Free
A free conversation gives you a clear, honest picture of your options — no jargon, no pressure, no commitment.
- ✓No hard credit check during initial assessment (a hard search is required at full mortgage application, as standard)
- ✓Speak directly to Karl — not a call centre
- ✓£295 fixed fee — payable on application — never upfront
- ✓UK-wide service by phone and online