CiK Finance

CiK Finance Specialist mortgage and protection advice for company directors, business owners, contractors and landlords whose income doesn’t fit a high-street tickbox.

From complexity to clarity. Appointed Representative of PRIMIS Mortgage Network.

14/04/2026

Common Mortgage Mistakes… Part 1 ⚠️

This is where people get caught out with mortgages ⚠️

That “low rate” isn’t always the best deal 👇

✔️ A cheap rate can come with a £1–2k product fee
✔️ Add valuation and legal costs… it quickly adds up
✔️ Suddenly that “best deal” isn’t so cheap anymore

And here’s the second one people miss…

“My deal ends next month, I’ll sort it then”

That’s how you end up on the standard variable rate 📈

If you were paying around 3%, that could jump to 6–7%
That’s potentially hundreds more every month

Simple fix?

Start your remortgage around 6 months early
Gives you time, options, and avoids the panic 🎯

👇 Want help getting it right first time?
🌐 https://www.cikfinance.co.uk

⚠️ This is general information, not personal advice. Your home may be repossessed if you do not keep up repayments on your mortgage.

06/04/2026

This Is Where High Earners Get Caught Out... ⚠️

Earning more doesn’t always mean borrowing more 👇

If you’re self-employed, lenders look at things very differently 🧠

✔️ Employed income = simple, steady, predictable
✔️ Self-employed income = based on accounts, consistency, and proof 📊

So even £150k can look “riskier” than £60k…

It’s not just about how much you earn… it’s how stable it looks 🎯

👇 Want help understanding your options?
🌐 https://www.cikfinance.co.uk

⚠️ This is general information, not personal advice. Your home may be repossessed if you do not keep up repayments on your mortgage.

02/04/2026

💡 Fixed vs Variable Rates… What’s the Difference? 🤔

Everyone talks about fixed and variable… but what do they actually mean? 👇

If you’re looking at mortgages, this is one of the first things you’ll come across 🧠

✔️ Fixed rate = your payments stay the same for a set period. No surprises.
✔️ Variable rate = your payments can go up or down depending on the lender’s rate 📉📈

One gives you certainty… the other gives you flexibility. It all comes down to what suits your situation 🎯

👇 Want help figuring out what’s right for you?
🌐 https://www.cikfinance.co.uk

⚠️ This is general information, not personal advice. Your home may be repossessed if you do not keep up repayments on your mortgage.

30/03/2026

💼 Same Salary… Different Borrowing Power? 👀

Think earning more means borrowing more? Not always 👇

Two people can earn the exact same… but lenders look at more than just income 🧠

✔️ Monthly commitments matter (loans, car finance, credit cards)
✔️ Spending habits can impact affordability
✔️ Income structure and consistency play a big role 📊

It’s not about what you earn… it’s about how your finances look on paper 🎯

👇 Want to see what you could actually borrow?
🌐 https://www.cikfinance.co.uk

⚠️ This is general information, not personal advice. Your home may be repossessed if you do not keep up repayments on your mortgage.

28/03/2026

💧 Mortgages Explained in 20 Seconds... (No Confusion)

Be honest… do you actually know what a mortgage is? 👇

Most people don’t fully get it… they just go along with it. Here’s the simple version 🧠

✔️ You put in your deposit (your money)
✔️ The lender adds the rest (their money)
✔️ Together, it buys your home 🏡

Then over time, you pay back what you borrowed… plus interest, which is the cost of using their money 📊

It’s not as complicated as it sounds… when you break it down 🎯

👇 Want more simple breakdowns like this?
🌐 https://www.cikfinance.co.uk

⚠️ This is general information, not personal advice. Your home may be repossessed if you do not keep up repayments on your mortgage.

26/03/2026

💸 This ONE Deposit Mistake Is Delaying Mortgages in 2026 👀

Think transferring your deposit is simple? Not always 👇

This catches people out all the time… lenders don’t just want to see your deposit, they need to know exactly where it came from 🧠

✔️ Moving money between accounts can raise questions
✔️ Gifts need to be clearly declared and evidenced
✔️ No clear trail = potential delays or issues 📄

It’s not just about having the money… it’s about proving where it’s come from 🎯

👇 Want to get it right first time?
🌐 https://www.cikfinance.co.uk

⚠️ This is general information, not personal advice. Your home may be repossessed if you do not keep up repayments on your mortgage.

24/03/2026

📉 Waiting for Rates to Drop? You Could Be Missing Out... 👀

Thinking of holding off until rates fall? It’s not that simple 👇

Everyone’s waiting for that “perfect” moment… but while rates shift slightly, property prices and opportunities keep moving 🏡

✔️ The market doesn’t pause while you wait
✔️ The right deal depends on your situation
✔️ Timing the market isn’t as straightforward as it sounds 📊

It’s not about chasing headlines… it’s about making the right move for you today 🎯

👇 Want to understand your options?
🌐 https://www.cikfinance.co.uk

⚠️ This is general information, not personal advice. Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

Icon Innovation Centre, Eastern Way
Daventry
NN110QB

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+447966279279

Website

Alerts

Be the first to know and let us send you an email when CiK Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to CiK Finance:

Shortcuts

Share

Category