Move home, remortgage or build a portfolio — without the runaround.
Independent brokers who do the chasing, compare every lender that fits, and explain every decision in plain English. One named adviser, start to finish.
Whole-of-market
Access to 90+ lenders
90+
Lenders we can match you with
£250m+
Mortgages arranged for clients
4.9★
Average rating from reviewers
1-to-1
Named adviser, start to finish
Six mortgage situations we live and breathe.
From a first flat to a five-property portfolio, we’ll match you to the right lender and stay on the application until the keys are in your hand.
First-time buyers
Plain-English advice on deposits, government schemes, affordability and what to expect at every stage of your very first mortgage.
Remortgaging & switching
We review your existing deal months before it ends and shop the whole market so you never roll onto a lender’s standard variable rate by accident.
Buy-to-let & landlords
Portfolio, limited-company and HMO specialists. We understand stress tests, rental cover and the lenders that price these mortgages competitively.
Self-employed & contractors
Day-rate, sole trader, limited-company directors — we know which lenders read your accounts the right way and how to package an application that lands.
Protection & insurance
Life cover, critical illness and income protection that fits the mortgage we arrange — so the home stays yours if life takes a turn.
Specialist & complex cases
Adverse credit, expat income, gifted deposits, contractor patterns or self-build — we work with specialist lenders who look past the postcode lender.
Four simple steps from first call to keys in the door.
No phone-tag, no surprises. You always know what we’re doing for you and what happens next.
A free 20-minute chat
Tell us where you are: thinking about it, viewing properties, or already mid-application. No commitment, no jargon, no sales pitch.
A fact-find we explain
We work through income, outgoings and goals together so you understand what affects affordability — not just what the calculator says.
Whole-of-market sourcing
We compare 90+ lenders on rate, fees, flexibility and the small print, then present a shortlist with our recommendation and why.
We handle the application
You sign one set of forms. We chase the lender, valuer and solicitor on your behalf right through to the day you get the keys.
Personal advice, start to finish — with one named adviser.
Independent advice from someone who picks up the phone.
We’re a small, independent brokerage by design. You speak to your named adviser every time — not a different call-centre agent each week — and they hold every detail of your case in their head, not just in a CRM.
Whole-of-market access — not tied to any single lender
One named adviser from first call through to completion
Plain-English explanations of every recommendation
We do the chasing — lender, valuer, solicitor, you
Real conversations, real outcomes.
The thing every client mentions: feeling looked after, not processed. Here’s what a few of them said when they got the keys.
4.9
from 80+ verified reviews
via Google
“They explained the affordability piece in a way I actually understood, and got us a rate the bank we’d been with for 12 years couldn’t come close to. Worth every minute.”
Sarah M.
First-time buyer · Manchester
“Remortgaging as a contractor had been knocked back twice before we found Kielman. They knew exactly which lender to approach and we completed in under five weeks.”
David R.
Contractor · Remortgage
“Two buy-to-lets in a limited company structure, and they made it feel routine. I always knew where the application was and what the next step looked like.”
Priya K.
Landlord · Buy-to-let portfolio
Sample testimonials illustrating the kinds of cases we handle. Real client reviews will be displayed on launch.
Questions we hear most weeks.
If yours isn’t here, the answer is almost always a 20-minute call away.
Our initial consultation is always free. If you decide to go ahead, we are paid by the lender on completion in most cases; where a client fee applies we tell you the amount up-front before any application is submitted.
From first call to mortgage offer is typically two to four weeks for a standard application. Specialist cases can take longer — we will give you a realistic timeline at our first meeting and update you weekly.
Your bank can only offer you their products. We compare deals from 90+ lenders, many of which are broker-only, and we package the application so it lands first time. That usually means a better rate and fewer hold-ups.
Often, yes. A decline by one lender does not mean every lender will say no — different lenders weight income, credit history and deposit sources very differently. We will tell you honestly whether we can place the case and what we would change first.
Yes. We are authorised and regulated to advise on residential and buy-to-let mortgages. Full firm reference details are available on request and will appear on every document we produce.
Let’s find out what you can actually borrow.
Book a free, no-obligation consultation — usually within two working days — and walk away with a clear picture of your options.