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Monday 9am - 5:30pm Tuesday 9am - 5:30pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 9am - 5:30pm Saturday 9am - 5:30pm

Kit Finance

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Kit Finance

At KIT FINANCE, we take the complexity out of property finance.

Founded on over 10 years of experience, we specialise in:

• Buy-to-Let investments
• Commercial mortgages
• Bridging finance
• Development funding,
• Residential mortgages
• Secured Loans.

04/06/2026

Development Finance is designed specifically for property developers who need fast, flexible funding to build, convert, or refurbish projects. Unlike standard mortgages, which aren’t suited to complex or large-scale builds, Development Finance is tailored to release funds in stages as the work progresses — keeping your cash flow healthy throughout the project.

Key benefits include:

Speed: Quick access to funds compared to traditional lending.

Flexibility: Funding can cover land acquisition, build costs, and even professional fees.

Cash flow friendly: Money is released in tranches as you build, ensuring you only pay interest on what you’ve drawn.

Exit options: Usually repaid through sale of the completed development or refinance onto a longer-term mortgage.

In short, it’s a smart way to unlock the potential of your site, while giving you the financial breathing room to deliver your project on time and at scale.

Get in touch:
020 4524 7373
[email protected]
www.kitfinance.co.uk

03/06/2026

Self-employed income is not verified in the traditional way through payslips.

Instead, lenders typically require a Tax Return, which is made up of two key documents:

• Tax Calculation – This details your total income for the fiscal year, your personal allowance, and the resulting tax liability.

• Tax Overview – This confirms the tax owed for the year, the amount paid, and any outstanding balance.

Both documents are required; one cannot be used without the other.

Lenders will usually assess self-employed income using one of the following methods:

1. Average of the last two years – Ideal if you’ve had two strong and consistent years of trading.

2. Last two years with greater emphasis on the most recent year – Best suited if your latest year shows improved performance.

3. Most recent Tax Return only – Typically used if you’ve been trading for just one year.

If this documentation is unavailable or insufficient, income may alternatively be verified through an Accountant’s Certificate, which confirms income from both the business and personal sources.

Ready to put the right tools to work?

[email protected]
www.kitfinance.co.uk

02/06/2026

Bridging – Your Journey

AVMs (Automated Valuation Models) – No Waiting Around

Get fast, data-driven property valuations without the delays of traditional appraisal processes, helping your application move forward more quickly.

Minimal Paperwork

We streamline the documentation process, reducing unnecessary paperwork and making the experience as simple and efficient as possible.

Matched with the Right Lender

We assess your circumstances and connect you with lenders whose products and criteria are best suited to your needs and goals.

A Seamless Lending Journey

We work closely with lenders on your behalf, helping to manage enquiries, coordinate requirements, and keep the process running smoothly from start to finish.

Expert Lender Selection

With access to a wide range of lending options, we help ensure you're introduced to the lender most likely to offer the right solution for your situation.

www.kitfinance.co.uk

01/06/2026

Regulated Bridging Loans

* From 0.55%
* AVM
* Streamlined Process
* App to Offer within the day!

Need bridging finance fast? Look no further. Whether you're securing a property purchase, refinancing, or capitalising on a time-sensitive opportunity, our bridging solutions are designed to deliver the speed, flexibility, and certainty you need. With rapid decisions, expert guidance, and a streamlined process from start to finish, we help you move forward with confidence when timing matters most.

www.kitfinance.co.uk

29/05/2026

Getting a mortgage when you’re self-employed can feel a little more complicated, but it doesn’t have to be. Whether you’re a sole trader, company director, contractor or business owner, there are mortgage options available to suit your circumstances.

At Kit Finance, we work with a wide range of lenders and understand the unique challenges self-employed applicants can face. We’re here to guide you through the process and help you find the right mortgage solution.

🔨 Got the tools to make it happen?

Get in touch today and let’s see how we can help make your property goals a reality.

www.kitfinance.co.uk

28/05/2026

Your age can play a big part in the mortgage term options available to you 🏡

Whether you’re a first-time buyer, remortgaging, or looking at later-life lending, understanding how age impacts your mortgage can help you plan smarter for the future.

At Kit Finance, we’ll help you explore the right options tailored to your circumstances and goals.

🔧 Got the tools to make it happen?

www.kitfinance.co.uk

27/05/2026

🏡 Mortgages don’t have to be complicated… that’s where we come in.

At KIT Finance, we make the mortgage process simple, straightforward and stress-free — whether you’re a first-time buyer, remortgaging or expanding your property portfolio.

Our team is here to help you find the right solution with expert guidance every step of the way.

💙 Got the tools to make it happen?

26/05/2026

Thinking about investing in Holiday Lettings? 🏡

Whether you’re purchasing your first holiday let or expanding your property portfolio, Kit Finance can help you find the right finance solution tailored to your goals.

From refinancing options to expert support, we’ve got the tools to help make it happen.

📩 Get in touch with the team today to explore your options.

www.kitfinance.co.uk

25/05/2026

Happy Bank Holiday from all of us at KIT Finance! 💙🛠️

Whether you’re spending the weekend relaxing, catching up with family & friends, or planning your next property project, we hope you have a fantastic one.

Need finance advice after the long weekend? Our team is always here to help you find the right tools for the job.

www.kitfinance.co.uk

22/05/2026

When purchasing your own home, lenders typically assess affordability using an income multiple approach. This means the amount you can borrow is calculated as a multiple of your annual income.

Naturally, higher income levels can increase borrowing potential. Most lenders will consider lending around 4.5 times annual income, while some may offer multiples of up to 7 times in certain circumstances.

It is important to note that higher income multiples are subject to stricter criteria and additional caveats. However, with the right financial profile and lender selection, higher borrowing levels can still be achievable.

Looking for the tools to get it done right?

020 4524 7373
[email protected]
www.kitfinance.co.uk

Address

86-90 Paul Street
London
EC2A4NE

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm
Saturday	9am - 5:30pm

Telephone

+447493817067

Website

http://www.kitfinance.co.uk/

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