David Tarry - KFS

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I specialise in dealing with clients over the phone, which saves people hours of time & effort. Some forms of Buy to Let mortgages are not regulated by the FCA.

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured upon it. Think carefully about securing other debts against your property.

23/10/2026

Your local mortgage broker in Tewkesbury – KISS Financial Services

Get in touch with David today at 01684 607001 or via WhatsApp,

or visit https://www.kissfs.co.uk/credit-repair for more details

or book a time to chat at https://calendly.com/kissfs/consultation to discuss your options.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

09/10/2026

🏡 Could a 2.5% deposit be enough to buy your first home?

The Government has announced plans for Your First Home: a new scheme designed to help first-time buyers purchase a new build from participating developers.

The proposed scheme could mean:
🔑 Just a 2.5% deposit
🏠 20% government-backed equity loan
💷 A mortgage for the remaining amount

So, on a £300,000 new build, your own deposit could be just £7,500.

The equity loan is expected to be interest-free for the first year, although it will need to be repaid and factored into affordability.

📅 The scheme is currently expected to launch on 28th October 2026, with full details due at the Autumn Budget.

And that’s what makes this exciting; for first-time buyers struggling to build a bigger deposit, this could provide another route onto the property ladder. 🔑

There are other options too, including 95%–100% mortgages, family assisted products and developer incentives, so don’t assume buying is out of reach just because you have a smaller deposit.

📩 Thinking about buying your first home? Drop me a message and let’s look at what could be possible.

David Tarry - KISS Financial Services
Your Tewkesbury Based Mortgage Broker
01684 607001
www.KISSfs.co.uk

Full scheme details and eligibility are still to be confirmed.

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.

05/10/2026

CIS Subcontractors: Don’t rule out buying a home!

Think your CIS status makes getting a mortgage impossible? Think again. We know how to prove your real income to lenders who understand the industry.

David Tarry at KISS Financial Services is your local Tewkesbury expert. We help tradespeople like you get the keys to their own home.

Get in touch with David today at 01684 607001 or via WhatsApp, or visit www.KISSfs.co.uk, or book a time to chat at
https://calendly.com/kissfs/consultation to discuss your options.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

01/10/2026

🏠 When Life Changes, Your Mortgage Options Can Too

Going through a divorce or separation can bring a lot of uncertainty, particularly when it comes to your home and mortgage.

You might be wondering:
• Can I afford to stay in my home?
• Can I take the mortgage on by myself?
• Could a family member help me with affordability?
• What could I afford if I need to buy somewhere new?

Even if the numbers don’t seem to work at first, there may be options available.

As a whole-of-market mortgage broker, I can look across different lenders to find the right solution for your circumstances, including:

• Lenders that allow family members to boost your affordability with their income

• Lenders offering stronger income multiples, which could increase how much you’re able to borrow

• More flexible approaches to different types of income

• Interest-only or part-and-part options where appropriate

• Competitive mortgage rates from across the market

Every situation is different. Before assuming you’ll need to sell your home or that a mortgage won’t be affordable on one income, it’s worth finding out what could be possible.

📩 If you’re going through a separation and want to understand your mortgage options, get in touch for a confidential chat. 💬

Your local mortgage broker in Tewkesbury – KISS Financial Services

Get in touch with David today at 01684 607001 or via WhatsApp

or visit www.KISSfs.co.uk

or book a time to chat at https://calendly.com/kissfs/consultation to discuss your options.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

28/09/2026

Your local mortgage broker in Tewkesbury – KISS Financial Services

Get in touch with David today at 01684 607001 or via WhatsApp,

or visit www.KISSfs.co.uk

or book a time to chat at https://calendly.com/kissfs/consultation to discuss your options.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

24/09/2026

Could buying a home be more achievable than you think? 🏡

You might be surprised at what could be possible with today’s mortgage options.

Here’s just one example based on lending currently available:

💷 Income: £40,000
🏦 Potential mortgage: £218,500
🏡 Property price: £230,000
🔑 Deposit: £11,500 (5%)
📅 Mortgage term: 35 years

And perhaps the most surprising part? This could still be with a high street lender offering some of the most competitive mortgage rates available.

Lenders are really doing what they can to support affordability, with some offering enhanced income multiples and options for buyers with smaller deposits.

That £40,000 income doesn’t have to be one person’s salary either. It could be one applicant earning £40,000, or the combined household income of two applicants.

For context, the latest ONS Annual Survey of Hours and Earnings puts median annual earnings for full-time employees at around £39,000. So, if you’ve assumed buying a home is out of reach based on your income or deposit, don’t rule yourself out before finding out what could actually be possible.

Of course, this is just an example. Affordability will depend on your individual circumstances, commitments, credit history, mortgage term, lender criteria and full application.

📩 Want to know what could be achievable for you? Drop me a message and I can take a look.

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

Source: Office for National Statistics, Annual Survey of Hours and Earnings 2025.

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.

21/09/2026

🏡 Landlords – flexibility matters.

As a landlord, your mortgage shouldn’t hold you back.

I now have access to a lender that’s just launched two new Buy-to-Let Base Rate Tracker mortgages with no early repayment charges (ERCs).

Why does that matter?

✅ Re-mortgage whenever it suits your investment strategy
✅ Raise funds for your next purchase without worrying about ERCs
✅ Refinance after adding value through renovations or improvements
✅ Greater flexibility as your property portfolio grows

Tracker rates are available from:

📍 Bank of England Base Rate +1.00% for standard Buy-to-Let properties
📍 Bank of England Base Rate +1.35% for HMOs and Multi-Unit Blocks

Every landlord’s circumstances are different, so if you’re looking to expand your portfolio or want a mortgage that gives you more freedom, send me a message and let’s see if this could work for you.

David Tarry - KISS FS
01684 607001
www.KISSfs.co.uk
calendly.com/kissfs/consultation

Subject to eligibility and full mortgage assessment.

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

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.

18/09/2026

Is AI truly the answer to everything??

This latest research shows AI models give wrong financial advice 57% of the time...

https://www.financialreporter.co.uk/ai-models-give-wrong-financial-advice-57-of-the-time-saturn-research-finds.html

When securing your home, don’t gamble with algorithms—talk to a qualified mortgage broker for expert, tailored guidance.

David Tarry - KISS Financial Services
Your Local Tewkesbury Based Mortgage Broker

01684 607001
www.KISSfs.co.uk
calendly.com/kissfs/consultation

Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.

14/09/2026

🏡 Buying a home? Don’t forget these costs…

Saving for your deposit is a huge milestone, but it’s only one part of the budget when buying your home.

Before you get the keys, it’s worth planning for a few other costs too, including:
✔️ Solicitor fees
✔️ Building Survey costs
✔️ Mortgage broker fees
✔️ Mortgage lender and valuation fees (where applicable)
✔️ Stamp Duty (if payable)
✔️ Buildings & Contents insurance
✔️ Removal costs
✔️ Furniture, decorating and those little extras that soon add up

Knowing what to expect from the start can make your home-buying journey much less stressful, and as a mortgage broker, I’m here to help you understand the full cost of buying a home, not just the mortgage, so you can budget with confidence from day one.

📩 Thinking about buying your first home or moving house? Get in touch and let’s make sure you’re fully prepared.

David Tarry - KISS Financial Services
Based in Tewkesbury
01684 607001
www.KISSfs.co.uk
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.

10/09/2026

💡 Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?

You’re not alone. Many homeowners are finding themselves in a position where their current lender won’t extend the term, or they’re worried about how the balance will be repaid. 🏡

The good news is there may still be options available. We have lenders on panel that can accept a wide range of repayment strategies, such as savings or pensions, and in some cases don’t require as high a level of equity in the property as lenders once used to.

If your interest-only mortgage is coming to an end and you’re starting to panic, don’t sit with the stress alone, speak to us and let’s look at your options together.

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

Address

Barton Street
Tewkesbury
GL205PY

Website

http://www.kissfs.co.uk/

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