David Tarry - KFS

David Tarry - KFS 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.

Is AI truly the answer to everything??This latest research shows AI models give wrong financial advice 57% of the time.....
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.

🏡 Buying a home? Don’t forget these costs…Saving for your deposit is a huge milestone, but it’s only one part of the bud...
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.

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

AI Can’t Fight Your Corner. I Can.AI is changing the mortgage industry.It can compare rates, it can search criteria, it ...
07/09/2026

AI Can’t Fight Your Corner. I Can.

AI is changing the mortgage industry.

It can compare rates, it can search criteria, it can answer basic mortgage questions in seconds. And that’s great.

📞But when a lender has concerns about your application, AI isn’t picking up the phone to speak to an underwriter

🗣️AI isn’t explaining why a missed payment from three years ago doesn’t reflect your situation today

📂AI isn’t discussing complex income, self-employment accounts, maternity leave, gifted deposits, or unusual circumstances that don’t fit neatly into a box

🤝AI can’t build relationships, use experience, judgement and advocate for you when a lender needs reassurance before making a decision

Getting a mortgage isn’t just about finding a rate, it’s about presenting your case properly, navigating obstacles, and finding solutions when things get complicated.

Technology helps me work faster, but it isn’t the mortgage broker.

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



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.

🏡 Want to buy a home with little or no deposit?A Joint Borrower Sole Proprietor (JBSP) mortgage could help make homeowne...
04/09/2026

🏡 Want to buy a home with little or no deposit?

A Joint Borrower Sole Proprietor (JBSP) mortgage could help make homeownership possible with support from an immediate family member.

I have access to a lender who has just launched a new product, which allows the below:

✅ Available up to 100% loan to value, so no deposit required (subject to eligibility)
✅ Available for purchases and remortgages
✅ Up to 4 applicants’ income can be considered (subject to affordability)
✅ Maximum loan of £675,000

A JBSP mortgage allows a family member to help boost affordability without being named as an owner of the property.

If you’ve been told you can’t borrow enough on your own, there may be another option.

📩 Get in touch to find out whether a JBSP mortgage could be right for you.

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



Subject to eligibility and full mortgage assessment.

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.

🏡 Mortgage deal ending in 2027? Let’s chat now.Why so early?Because when your current mortgage deal is coming to an end,...
01/09/2026

🏡 Mortgage deal ending in 2027? Let’s chat now.

Why so early?

Because when your current mortgage deal is coming to an end, it can be tempting to simply wait for your lender to contact you and choose one of the options they offer.

But how do you know that's the right option for you?

I like to start speaking to my clients around 6 months before their deal ends.

That gives us time to:
🔎 Review your current mortgage and circumstances
📊 Look at what's happening across the wider mortgage market
⏰ Know exactly when we can start securing your next deal – this varies by lender and can often be around 3–4 months in advance
🤝 Compare your options rather than simply accepting what your existing lender offers

And what if you've never used me before?

That doesn't matter.

One meeting gives me the information I need to understand your circumstances and carry out a full market review when the time is right.

And hopefully, that first meeting is the start of a long relationship.

You'll become part of my client bank, so going forward I'll be the one keeping an eye on things – contacting you ahead of your next mortgage review, providing market updates and giving you honest advice about your options.

Your lender knows their products.
I get to know you and review the market for you.

📅 Mortgage ending in 2027? Let's start the conversation now.

Your Local Mortgage Broker in Tewkesbury

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

Send me a message and I'll make sure we're ready when the time comes.



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.

🏡 Is Gen Z giving up on homeownership? Think again.Despite what you might hear, many Gen Z buyers are still determined t...
26/08/2026

🏡 Is Gen Z giving up on homeownership? Think again.

Despite what you might hear, many Gen Z buyers are still determined to get on the property ladder, they're just taking a different approach.

For many first-time buyers, affordability is taking priority over location, and compromise is reshaping young buyer behaviour. Whether it's looking a little further afield or choosing a different type of property, many are making smart decisions to get their foot on the ladder.

As a first-time buyer, it can be difficult to know where to start. Which lender is offering the best deal? Who will lend you the most? Which mortgage is actually right for your circumstances?

That's where I come in.

As a mortgage broker, I compare lenders, explain your options in plain English, and help you find a mortgage that's right for you, making the process as simple and stress-free as possible.

📩 Drop me a message and let's see what's possible.

David Tarry
KISS Financial Services - your local mortgage broker in Tewkesbury
01684 607001
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.

🏠 Need to Mortgage 4+ Buy-to-Lets? Read This 👇Many landlords assume that refinancing or purchasing multiple properties m...
29/06/2026

🏠 Need to Mortgage 4+ Buy-to-Lets? Read This 👇

Many landlords assume that refinancing or purchasing multiple properties means multiple mortgage applications, multiple legal processes, and plenty of admin.

In reality, some lenders offer portfolio solutions that can allow multiple properties to be included within a single mortgage application:

✅ Less paperwork
✅ Reduced legal costs
✅ Simpler underwriting
✅ Faster decision making
✅ A dedicated point of contact throughout the process

Every landlord's circumstances are different, but knowing which lenders offer specialist solutions can make a significant difference to both costs and efficiency.

📩 Drop me a message for a chat.

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



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.

Address

Barton Street
Tewkesbury
GL205PY

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