You will work directly with Ben - qualified since 2014, specialist lending experience since 2022 - not a call centre.
We hold a 5.0 rating on Google, have arranged over £13m in lending since 2022, and are an Appointed Representative of HL Partnership Ltd.
Why Kibworth buyers come to us
Kibworth is one of the most sought-after places to live in South Leicestershire. Strong schools, village life, and easy access to Leicester and Market Harborough keep demand high.
Property types vary from period cottages to larger family homes and new-build developments, and lenders treat each differently. We match your situation to the right lender criteria from the start.
If you are competing for a popular Kibworth property, having an agreement in principle ready before you offer can make a real difference.
Who we help in Kibworth
First-time buyers. We cover deposit options, gifted deposits, agreement in principle, surveys and completion in plain English.
Movers and remortgagers. We compare product transfers with the wider market and support equity-release plans for improvements.
Commuter professionals with complex pay. Bonuses, share options, RSUs and contractor income matched to suitable lenders.
Self-employed and business owners. SA302s, retained profits, dividends and multiple income streams.
Buy-to-let landlords. Personal and limited company BTL, portfolio stress tests, holiday lets and refinancing.
Complex cases. Listed buildings, period properties, adverse credit and unusual construction.
How it works
- Get started. Send us a quick online fact find - about 10 minutes.
- We do the research. We check affordability and eligibility across our lender panel.
- Your personal recommendation. You get a video presentation and an agreement in principle.
One adviser, start to finish.
Local to Kibworth - but flexible
Most of our work is by phone, video call and WhatsApp, with in-person appointments available by arrangement.
Fees and what to expect
There may be a fee for mortgage advice - typically between £49 and £349 depending on your situation, agreed upfront. We may also receive lender commission on completion.
Frequently asked questions
Do I need a mortgage broker in Kibworth, or can I just go direct to a bank?
You can go direct, but you'll only see one slice of the market. A bank can only offer you their own products; we search across a wide panel of lenders to find a strong fit for your situation. That's particularly useful in Kibworth, where the property mix - from period cottages in conservation areas to new-builds on the village's edge - means different lenders suit different purchases. We also handle the paperwork, chase the lender, and stay with you through to completion.
How much does mortgage advice cost?
Our advice fee typically ranges from £49 to £349, agreed with you upfront before you commit to anything. The exact amount depends on the complexity of your case. We may also receive commission from the lender when your mortgage completes, and we'll always explain how you're paying for our service before you proceed. There's no charge for the initial conversation.
How much can I borrow?
As a rough guide, lenders typically offer between 4 and 4.5 times your annual income, though some will go to 5x or beyond depending on your circumstances. With Kibworth property prices reflecting strong local demand, getting your borrowing figure right matters - we work with lenders who treat bonuses, share options and contractor income favourably, which can meaningfully change what you can afford. The quickest way to get a real number is to start our online fact find.
Can you help if I'm self-employed or have complex income?
Yes - this is one of our specialisms. Many Kibworth buyers work in Leicester, Northampton or commute to London via the fast train from Market Harborough, and often have non-standard pay: bonuses, RSUs, share options, dividend income, or contractor day rates. We know which lenders treat each of these favourably and how to present your case to maximise your borrowing.
How long does the mortgage process take?
For a purchase, expect roughly 8-12 weeks from offer accepted to keys in hand, though this varies depending on the chain, survey and lender. A remortgage typically completes within 4-6 weeks. Older properties in central Kibworth can sometimes take longer at the survey stage, and we'll factor that into your timeline.
Do I have to be in Kibworth to meet with you?
No - most of our work is done by phone, video call and WhatsApp, so we can fit around your work, family and viewing schedule. If you'd prefer to meet in person, we can arrange that by appointment.
Ready to talk?
- Get started: online fact find
- WhatsApp: 0330 551 4600
- Phone: 0330 551 4600
Houz Mortgages, a trading style of Houz Mortgages Ltd (975971) is an Appointed Representative of HL Partnership Limited (303397) which is authorised and regulated by the Financial Conduct Authority. Your home/property may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of Buy to Let.