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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.

18/06/2026

Your Credit Report

A credit report is a detailed record of your financial history over the past six years, including credit cards, loans, mortgages, and some household bills. Created by credit reference agencies, it shows lenders how you manage debt—such as on-time payments, missed payments, and overall borrowing—to assess your creditworthiness.

It typically includes your personal details, credit account history, public records (like CCJs or bankruptcies), recent credit checks, and any financial links to others. Lenders use this information to decide whether to offer you credit and at what interest rate.

Regularly checking your report helps you spot errors, prevent identity theft, and improve your chances of approval.

Common agencies to use are:

1. Experian
2. Equifax
3. Clear Score
4. Check My File

Have the tools you need to make it happen?

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

17/06/2026

Holiday Lettings… Ideal for properties in desirable tourist destinations, Holiday Lettings involve renting out your property for short-term stays.

This model can yield significantly higher returns, especially if the location is highly sought-after, but it also requires more active management and can be subject to seasonal demand.

Get in touch for more information on how we can help: www.kitfinance.co.uk

16/06/2026

What Your Broker Can Do for You?

I’ve spent nearly ten years in this industry, working as an advisor, underwriter, and broker. That experience allows me to anticipate challenges before they arise and keep things moving efficiently, so my clients can focus on the outcome—not the paperwork.

From start to finish, I take a hands-on approach to guidance. I help organize and review working documents, support accurate data entry, and carefully examine details like bank statements to ensure everything is complete, consistent, and positioned correctly from the outset. By addressing potential issues early and maintaining clear communication throughout the process, my goal is to reduce delays, avoid surprises, and deliver the best possible result—while giving my clients confidence and peace of mind every step of the way.

Get the tools you need to make it happen!

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

15/06/2026

Why Having a Will in the UK Is Essential

Having a will in the UK isn’t just paperwork — it’s about protecting your family, your assets, and your wishes.

A will gives you full control over how your money, property and possessions are distributed. Without one, strict intestacy rules decide everything for you — and that can cause serious problems for the people you care about most.
⸻
Key Reasons to Have a Will

• Full Control Over Your Assets
You decide exactly who inherits your money, property and belongings — not the government.

• Protect Unmarried Partners & Loved Ones
Under UK law, unmarried partners have no automatic right to inherit — no matter how long you’ve been together.

• Appoint Guardians for Your Children
If you have children under 18, you can legally nominate who will look after them. Without a will, the courts decide.

• Prevent Family Disputes
Clear instructions reduce arguments, stress and potential legal battles between family members.

• Choose Your Executors
You appoint trusted people to manage your estate and handle probate properly.

• Reduce Inheritance Tax
A properly structured will can help minimise Inheritance Tax liabilities and protect more of your estate.

• Support Charities You Care About
You can leave gifts to organisations or causes that matter to you.
⸻
What Happens If You Don’t Have a Will?

If you pass away without a valid will, you die “intestate.”

This means:

• The government decides who inherits your estate.
• The process can take longer and cost more.
• Unmarried partners may receive nothing.
• Certain family members could inherit instead of the people you actually wanted to benefit.
⸻
When Should You Make a Will?

You should seriously consider putting a will in place if you:
• Are over 18
• Own property
• Have children
• Have savings or investments

It’s also important to review your will every 3–5 years, or after major life changes such as marriage, divorce, buying property, or having children.
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A will isn’t about planning for death — it’s about protecting the people you love and making sure your hard work goes exactly where you want it to go.

If you’d like, I can also tailor this into a short phone script or social media post for lead generation.

www.kitfinance.co.uk

11/06/2026

Face to Face Mortgage Advice

Short on time? Tight schedule? Appointments slipping through the cracks?

We understand that life moves fast—and your finances shouldn’t slow you down.

That’s why Kit Finance now comes to you. No commuting, no rearranging your day, no stress. Whether you’re at home, at work, or between meetings, our expert advisers will meet you where it suits you best.

We’re now offering personal, one-to-one home visits across London, delivering tailored financial solutions with the convenience and discretion you deserve. Sit back, stay comfortable, and let us handle the rest—on your terms, on your time.

Have the tools you need to make it happen?

Get in touch!

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

10/06/2026

Property Development for Beginners 🏠

Stepping into property development isn’t reserved for seasoned professionals with decades of experience.

With the right team around you, a clear and well-researched plan, and a solid understanding of your goals, there are funding solutions available to help bring your project to life. The key isn’t knowing everything — it’s knowing who to have in your corner and how to structure the deal intelligently.

Whether you’re looking to renovate, build, convert, or invest, success comes down to preparation, the right partnerships, and access to the right finance. Lenders are increasingly open to supporting new developers who can demonstrate strong planning, realistic numbers, and professional guidance.

Property development is about strategy as much as vision — aligning opportunity with expertise and capital.

Ready to put the right tools to work?

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

09/06/2026

Unacceptable Deposits

Most individuals purchasing a property will be required to provide a deposit as part of the transaction. This deposit demonstrates financial commitment and reduces the lender’s risk. However, it is important to understand that not all deposit sources are viewed as acceptable by lenders. Each lender has specific criteria regarding what can and cannot be used. The unacceptable forms of deposit typically include the following:

• Borrowed Money
• Sellers Gifted Deposit
• Builder’s Incentives that go over the acceptable allowance.
• Unverified Income
• Cryptocurrency – Some lenders will accept this but not all.

Plus, many more

Looking for the tools to get it done right?

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

08/06/2026

Getting a Mortgage When Living Abroad

Certainly, it is possible to secure financing for both residential properties and buy to let investments. While many lenders prefer applicants with income in Sterling due to reduced currency risk, there are specialist lenders who are more flexible and will consider income earned in other currencies. These lenders usually assess each case individually, looking at factors such as income stability and overall financial strength.

Lenders will also consider your residency and citizenship status. UK citizens generally have access to a wider range of options. For foreign nationals without this status, it can be more challenging to obtain finance, but there are still lenders in the market who are able to support these cases.

Overall, while the criteria can be more complex, there are still strong options available, especially when working with lenders who are experienced in handling more specialist circumstances.

Have the tools you need to make it happen?

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

05/06/2026

Why Interest Only?

When repaying your mortgage, there are two primary options: Interest-Only or Capital Repayment.

With a Capital Repayment mortgage, your monthly payments cover both the loan’s capital (the amount borrowed) and the interest. This means that by the end of the mortgage term, the entire balance will be fully repaid.

An Interest-Only mortgage, on the other hand, requires you to pay only the interest each month—none of the capital is reduced. As a result, the original loan amount remains outstanding at the end of the term. At that point, borrowers typically choose to either refinance or sell the property to repay the remaining balance, unless they have sufficient funds available.

Why choose this option? Primarily because it offers lower monthly payments. For investors, this can be particularly advantageous—keeping monthly costs down helps to maximize rental yield and overall return on investment. In contrast, making both capital and interest payments each month may significantly reduce net rental income.
For Example:

Mortgage = £250,000.00
Rate = 3.5%
Term = 20 Years
Capital Repayment = £1,449.90
Interest Only = £729.17

That’s a difference of £720.00

Looking for the tools to get it done right?

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

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

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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