Answer a few simple questions and Darren, our friendly mortgage & protection expert, will help you take the next step.
We get to know you, your needs, and what success looks like for your family.
We scan over 11,000 deals to find options that truly work for you, not just the bank.
We guide your application from start to finish, so you can move forward with confidence.
As a devoted husband and father, Darren knows firsthand what it’s like to make big financial decisions with your family’s future in mind. With over 15 years of experience in the mortgage and protection industry, he brings not only expertise but deep empathy to every conversation. Darren takes a holistic, tailored approach looking beyond just the numbers to understand your goals, values, and dreams.
As a family man, Darren understands the pressures, hopes, and real-life challenges you’re facing.
A seasoned advisor with a proven track record of helping families secure their future.
More choice means better outcomes — Darren finds the right fit for your unique situation.
He looks at your full picture, not just your mortgage, to help you make the best decision for your life.
You’ll never feel like just another client — Darren’s goal is to help you feel supported, informed, and at ease every step of the way.
Yes, paying a mortgage broker is often worth it — especially if you want access to more loan options, expert guidance, and less stress. A good mortgage broker can access a wide range of lenders, including some that do not deal directly with the public. They are able to navigate complex criteria, and if your situation isn’t totally straight forward, with possibly inconsistent or multiple income sources, you have a low credit score, or are buying an unusual property, a broker can help find lenders that wont automatically reject your application. A broker will handle all the paperwork and keep things moving and are available right the way through the process to support you and answer any questions. A broker will also be able to monitor your rate right the way up to exchange of contracts, and if a better deal is available, switch you onto it, which can translate into thousands saved over the life of your mortgage – far outweighing their fee.
Fees can vary, but typically UK mortgage brokers charge between £300–£700. Many brokers are paid commission by the lender (at no extra cost to you), and some may offer a no-fee service — especially if you’re taking out a fairly standard mortgage or possibly an existing customer. At Kent Financial Consultants, we’ll always be transparent about any fees, and we’ll only charge you if we believe we’re delivering you exceptional value – meaning you will know upfront if and why you’ll be charged and how much!
That depends on your situation. If you go to a bank, they’ll only offer you their own mortgage products. A broker compares hundreds of deals from multiple lenders to find the best fit for your situation, we have access to exclusive deals available through our network Quilter Financial Planning. Think of a bank as a single aisle in a shop — a broker is the whole supermarket.
Lenders usually offer 4 to 4.5 times your annual income, though this depends on your outgoings and credit profile. We’ll assess your full financial picture to give you a clear idea of your borrowing capacity.
From fixed-rate to tracker and offset mortgages, we’ll help you choose a product that matches your family’s lifestyle, income, and future plans — whether that includes growing your family, reducing costs, or planning to move.
You’ll usually need a minimum 5% deposit, though putting down 10% or more opens up better deals. We’ll also help you explore government-backed schemes like Shared Ownership, First Homes, or Lifetime ISAs if you’re eligible.
Beyond your deposit, you’ll need to budget for broker fees (if applicable), valuation and survey costs, legal fees, Stamp Duty (if it applies), and general moving expenses. We’ll lay it all out clearly so there are no surprises.
Yes, and it’s a big advantage. A pre-approval (or Agreement in Principle) shows sellers you’re financially ready, gives you a stronger negotiating position, and helps focus your home search within realistic price brackets.
We’ll walk you through options like life insurance, critical illness cover, income protection, mortgage payment protection and home insurance— because good planning includes protecting what matters most.
In many cases, yes — most lenders allow you to “port” your mortgage to a new home, though terms and a new application process usually apply. We’ll help you decide if porting or applying for a new mortgage is the better route.
Credit scores impact your options, but even with less-than-perfect history, there are lenders who can help. We’ll review your credit profile and recommend steps to improve your position if needed, whilst giving you the best options available to you.
From application to offer takes around 2–4 weeks, and from offer to completion is typically 8–12 weeks. We’ll manage the process and keep things moving smoothly at every stage.
Absolutely — we’re here for reviews, remortgages, or advice as your life evolves. Whether you’re moving, growing your family, or just looking for a better deal in the future, we’ve got your back, and always on the end of the phone to support you or answer any queries you might have.
