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Koto Financial Services

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Koto Financial Services

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Koto is a whole of market mortgage and protection adviser based in Hertfordshire.

30/10/2026

Many lenders allow you to secure a mortgage rate up to six months in advance of your current deal ending.

At Koto, we also offer a free rate-tracking service. If rates fall, we can move you to the cheaper deal. If rates rise, you’re already protected.

If there’s a saving to be made by moving to a new lender, that process can take up to six months — which is exactly why getting in early gives you more options and a better chance of securing the right deal.
Lenders won’t tell you when rates drop — but we will.

You may have to pay an early repayment charge to your existing lender if you remortgage.

28/10/2026

Conditional selling is illegal!

27/10/2026

Another Year older (21….. again), Happy Birthday Aaron

23/10/2026

A mortgage broker isn’t just here to get you that dream home – this is something we love to help with – but we offer SO MUCH MORE. And having a good healthy relationship with your mortgage broker will only benefit you. Either by consistently saving you money or ensuring the right mortgage and life cover for you.

Throughout the lifetime of your mortgage (lifetime of the mortgage is from the day is starts to the day it’s fully repaid) there will be a number of times you’ll need to remortgage. Do you know that you’ll always get the best deal from your current lender? Have you circumstances changed? Do you need to change the amount or terms of the mortgage?

Well we will ALWAYS be on hand to make sure you get the best advice and most suitable mortgage for you and your family’s needs.

Your home may be repossessed if you do not keep up repayments on your mortgage

You may have to pay an early repayment charge to your existing lender if you remortgage

21/10/2026

Check out our new BLOG!

Your home may be repossessed if you do not keep up repayments on your mortgage.

16/10/2026

We get it, accidents happen and sometimes the odd payment may be missed, or late – but how does this affect your mortgage, well, this all depends on how much the debt is for, how many times it’s been missed and how it’s been recorded on the credit file.

Most lenders do also acknowledge that things in life happen, and we all may suffer a blip somewhere along the line. For the High St lenders, they’ll potentially allow 2 missed payments in the last 12 months. Or a default in the last 36 months – depending on if it’s now settled and under £500. There are some exceptions to this rule, a phone contract may be viewed more favourably to you than credit card or mortgage defaults.

CCJ’s these are becoming more common, especially for parking tickets. These can stay on your credit file for 6 years and could prevent you from getting the best deals out there – again, each lender will view it differently.

To support you in these situations some lenders will have adverse specific products to allow us to still mortgage you, just at a slightly higher price due to the risk to the lender.

We see some horrific credit files with lots of varying levels of adverse, from multiple CCJ’s, a few defaults and large mortgage arrears, but in a large number of these cases we are able to find lending solutions for them – just be prepared to have a mortgage product that reflects the conduct shown on your credit file.

If you have any questions or queries about your credit file, or potential problems and how it may affect you please do drop over a DM or book a call through the website.

You may have to pay an early repayment charge to your existing lender if you remortgage.

Your home may be repossessed if you do not keep up repayments on your mortgage.

14/10/2026

Can Koto Help Me?

Well recently we had a couple approach us to offer some support with their new purchase.

In this situation they are planning on getting married – Mrs is already a homeowner, but they’ve been saving and as soon as they have tied the knot they want to settle down and buy a new family home together.

Mrs’s property is a flat, and they want to retain this property as an investment and future pension income, but they also want to avoid the Stamp Duty implications of have 2 properties under her name.

All whilst protecting Mr’s First-Time Buyer status and his £5,000 Stamp Duty saving (depending on the value of the property the buy together).

So – what can we do to help? There are some lenders that offer a scheme called Joint Borrower, Sole Proprietor. This allows multiple applicants for mortgage affordability but only 1 person on the deeds, and joint borrower would be left off the deeds and therefore wouldn’t trigger a stamp duty charge at the higher rate. In some instances, lenders will even allow the non-owner to be a spouse, and to live in the property too. As well as contributing to the deposit!

This isn’t the answer for everyone, but in the right circumstances can be a great scheme.

For more information and to see how this can help you please do send a DM, or book in a call.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Following your consultation, there may be a fee for arranging a mortgage and this will depend on your circumstances.

As with all insurance policies, exclusions may apply.

12/10/2026

Not all properties are suitable for a standard mortgage, often due to condition or construction type. In these situations, bridging finance can be a useful short-term solution.

A bridge can help fund the purchase and improvements, usually with a minimum deposit of around 30%, before refinancing onto a standard mortgage or selling.

At Koto, working alongside our trusted specialist partners, we can help find the right bridging solution and make sure there’s a clear exit strategy from day one.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Not all forms of Property Development Finance are regulated by the Financial Conduct Authority.

Bridging finance/loans are arranged by introduction only.

09/10/2026

As a thank you to our clients we are running a prize draw. Supporting a small business you don't know how much your reviews help us grow, find new clients and help with our SEO.

As a way of giving back every client who has left or leaves us a google review or has posted a selfie tagging us on instagram will be entered into our prize draw. If you have already written a review and would like another entry then please use your partners account.

We will draw the winner on the 15th December and they can choose a voucher of their choice.

T&C apply: This is a one off promotion for existing or current clients of Koto Financial Services LTD.

Following your consultation, there may be a fee for arranging a mortgage and this will depend on your circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage

05/10/2026

5 Things Nobody Told Me before I bought my first home

Your first mortgage payment will be higher – be prepared so that the first payment isn’t a shock. Budget ahead so that is doesn’t catch you out!

Change your locks ASAP – You have no idea who still has a key – Don’t take that risk!

Budget for maintenance – Things break! The boiler WILL choose the coldest day to stop working.

Redirect your post – Change your address everywhere, even for things you barely use, some clients have had reminder or late payment post going to the wrong address, resulting in unwanted defaults on their credit files!

Council Tax Bands can change. If the house has been extended you might get rebanded and owe or pay more than expected.

If you want to find out more drop us a DM or book a call with us.

You may have to pay an early repayment charge to your existing lender if you remortgage.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

Riverdale House, 19-21a High Street
Saint Albans
AL48BB

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+441727293050

Website

http://www.kotofs.co.uk/

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