David Tarry - KFS

18/05/2026

🏡 A shift in the mortgage world…

For years, most lenders have typically offered around 4–4.5x income, which has limited how far many buyers can go.

Now, another lender has stepped things up.

It’s now possible in some cases to borrow up to 6x your income (subject to criteria), whether you’re:

✨ Buying your first home
✨ Moving up the ladder
✨ Remortgaging

For many, that could mean:

✔️ Access to a bigger home
✔️ Moving sooner than expected
✔️ More flexibility with your options

Things are changing, and it’s opening new doors.

📩 Send me a message or comment “6x” and I’ll take a look.

David Tarry - Tewkesbury
01684 607001
www.KISSfs.co.uk



Subject to full mortgage application and product range.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

14/05/2026

🚨 HUGE news for first-time buyers & renters 🚨

Halifax is shaking up the mortgage market with a game-changing new deal from 18th May 2026 🏡

You could now get on the property ladder with just a £5,000 deposit 🤯

Here’s what you need to know:

• Up to 98% LTV (just £5k minimum deposit)
• Available on homes up to £300,000
• 5-year fixed rate with NO product fees
• Built for people who can afford monthly repayments but struggle to save a big deposit

This is a massive step toward making homeownership more accessible.

If you’ve been stuck renting and thought buying was out of reach… this could change everything.

We have access to this deal, so drop us a message! 👇

David Tarry - Tewkesbury Based Mortgage Broker
01684 607001
www.KISSfs.co.uk
https://calendly.com/kissfs/consultation



Subject to full mortgage application and product range.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

07/05/2026

Think bad credit means no mortgage?

Not necessarily.

There are actually lots of lenders who will consider applicants with credit blips, it’s just about knowing where to look and how to present your case.

One lender I’m highlighting at the moment is taking a really practical view of your credit history (and rates start from 5%):

✔️ Up to 3 CCJs in the last 36 months
✔️ CCJs under £300 not taken into account
✔️ No maximum value on CCJs or defaults (and they don’t always need to be satisfied)
✔️ Up to 2 missed payments in the last 6 months on unsecured credit
✔️ Communication & utility missed payments/defaults ignored
✔️ Active Debt Management Plans considered up to 85% LTV

This is exactly why speaking to a broker makes a difference, criteria like this isn’t always obvious if you’re going direct.

If you’ve been declined before, or you’re unsure where you stand, it’s worth having a conversation.

📩 Drop me a message, and I’ll give you a clear, honest view of what’s possible.

David Tarry - KISS Financial Services
01684 607001
https://calendly.com/kissfs/consultation

Subject to full mortgage application and product range.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

22/04/2026

Renting rules are changing… what does this mean for you? 🏡

From 1 May 2026, the Renters’ Rights Act will bring in some important changes:

🔑 Removal of ‘no fault’ evictions: Landlords will need a valid reason to end a tenancy
📄 More flexible tenancies: No more being locked into long fixed terms
📅 Rent can only be increased once a year
⚖️ Tenants can challenge unfair rent increases
💷 Large upfront rent payments will be banned

So what does this mean for you?

For landlords with mortgages:

👉 Beyond just the rules, this is likely to shift how you as a landlord approach your properties.

You may:
• Review whether your current mortgage is still competitive
• Look at raising funds for improvements to increase rental appeal
• Reassess profitability and consider selling
• Restructure portfolios or reduce the number of properties you hold

👉 If you’re a landlord, now is a good time to step back and look at your overall strategy, and make sure your mortgage is working for you, not against you.

For renters & first-time buyers:

👉 For some, this may make renting more stable. For others, it might be the nudge to explore buying instead.

That’s where I come in.

I help you understand your options, whether it’s getting onto the property ladder, reviewing your current mortgage, or planning your next move with confidence.

If you’re unsure how these changes affect you, just drop me a message 📩

David Tarry
KISS Financial Services
01684 607001
www.KISSfs.co.uk
https://calendly.com/kissfs/consultation



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

15/04/2026

KISS and Tell: The Path Ahead -

You might have heard that the positive outlook for the early 2026 mortgage market has been significantly shaken by the conflict involving the US, Israel, and Iran. This development underscores how important it is to seek expert advice if you’re approaching the end of your fixed-rate deal, consider...

19/03/2026

📈 Mortgage rates spike…

We saw a number of lenders increase their mortgage rates last week, showing just how quickly the market can change.

For anyone looking to buy, re-mortgage, or secure a new deal, keeping up with these changes can feel overwhelming.

This is where using a mortgage broker can really help 👇

🔎 Access to a wide range of lenders – not just the ones you see on the high street
📊 Up-to-date market insight – we keep track of rate changes as they happen
💡 Tailored advice – finding the most suitable deal for your personal circumstances
⏱️ Saving you time and stress – we compare options and handle the process for you

With rates changing regularly, having someone monitoring the market and guiding you through it can make all the difference.

If you're thinking about buying, re-mortgaging, or reviewing your current deal, now is a good time to speak to a broker.

📩 Feel free to message us to explore your options.

David Tarry - KISS Financial Services
www.KISSfs.co.uk

https://calendly.com/kissfs/consultation



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

17/03/2026

Thank you, Nick & Lauren! 🥰

Testimonials like this are just one of the reasons why I love what I do. Thank you so much! 💛

12/03/2026

It really makes my day receiving messages like this one from Lauren and Craig! 🥰

Knowing that my work has made a difference means the absolute world to me.

Testimonials like this one are the reason I love what I do. Thank you so much — you're both so kind! 💛

06/03/2026

🏡 Have you moved back home to save?

New research indicates that nearly half of young adults (49% of those aged 18 to 44) have moved back into their parents' homes in recent years as the cost of living continues to bite.*

Rent, bills and everyday expenses are making it harder to save and for many, moving home is the only way to build a deposit!

If that’s you, you’re not alone.

But here’s the important bit 👇

Moving home can be a strategy — not a setback. With the right plan in place, that time can be used to:

✔ Boost your deposit
✔ Improve your credit profile
✔ Understand what you can realistically borrow
✔ Set a clear timeline to buy

As a mortgage adviser, I’m having more and more of these conversations. The earlier you get advice, the stronger your position will be when you’re ready.

Thinking about buying in the next 1–3 years?
📩 Drop me a message and let’s put a plan together.

David Tarry
01684 607001
www.KISSfs.co.uk
https://calendly.com/kissfs/consultation



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

*https://theintermediary.co.uk/2026/03/half-of-young-adults-move-back-in-with-parents-as-cost-of-living-continues-to-bite-study-finds/