Kelly Gribble - Mortgage adviser - Elite Financial Consulting Ltd
Exeter
Mortgage advice covering self-employed, later life / equity release, help to buy and 2 more. Kelly Gribble has not recorded a fee structure.
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About Kelly Gribble
Kelly Gribble - Mortgage adviser - Elite Financial Consulting Ltd is a UK mortgage broker based in Exeter. Its website describes mortgage advice for residential mortgages, first-time buyers, self-employed borrowers, later life lending. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Kelly Gribble records 5 areas of advice from its base in Exeter: self-employed, later life / equity release, help to buy, first-time buyers and residential.
Advising on both mainstream residential and later-life lending means the firm can compare a retirement interest-only mortgage against equity release rather than defaulting to one of them.
Self-Employed
Self-employed cases turn on how a lender reads your income. Some average two or three years of accounts, some use your latest year, and sole traders, limited-company directors and day-rate contractors are all assessed differently. A firm that does this regularly knows which lenders sit where.
Read the self-employed guideLater Life / Equity Release
Later-life lending and equity release are separately regulated and have long-term consequences: interest can roll up against the value of your home, and it changes what is left in your estate. Advisers need a specific qualification to recommend it.
Read the later life / equity release guideHelp to Buy
Help to Buy cases now mostly mean people who already hold an equity loan and need to remortgage, staircase out of it, or sell. The equity loan has to be repaid at the property's current value, not what you borrowed.
Read the help to buy guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see. Help to Buy is listed too, which matters if you are buying from someone still holding an equity loan.
Read the first-time buyers guideResidential
Standard residential advice covers buying, moving and remortgaging on your own home — the bulk of UK mortgage lending, and the area where switching deal at the right moment usually saves the most. Sitting next to later-life lending, it means the same firm can weigh a standard remortgage against a retirement product.
Read the residential guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask. Equity release is usually charged separately from mainstream lending, so ask about it specifically.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Kelly Gribble
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3How will lenders read my income — salary plus dividends, net profit, or day rate — and do you work with lenders that use my latest year rather than an average?
- 4What qualification does the adviser hold for equity release, and how would rolled-up interest affect what I can leave to my family?
- 5What are my options for the equity loan — repay it, remortgage around it, or leave it in place — and what does each cost?
- 6What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 7Do you see clients at your Exeter office, or is this handled by phone and video?
Getting in touch with Kelly Gribble
Kelly Gribble lists a phone number alongside its own website, so you can either call or start with an online enquiry.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
What does Kelly Gribble charge for mortgage advice?
Not recorded on this listing — ask Kelly Gribble directly, as it must tell you before you commit. Equity release is usually charged separately from mainstream lending, so ask about it specifically.
What types of mortgage does Kelly Gribble handle?
Kelly Gribble - Mortgage adviser - Elite Financial Consulting Ltd records self-employed, later life / equity release, help to buy, first-time buyers and residential, working from Exeter. Ask anyway if your case sits outside that list.
Does Kelly Gribble work with self-employed borrowers?
Yes — self-employed lending is one of the areas Kelly Gribble lists. Have your last two to three years of accounts or SA302s and corresponding tax year overviews ready. The figure you can borrow depends heavily on which lender is used, because they treat retained profit, dividends and contract income very differently.
Does Kelly Gribble only cover Exeter?
Kelly Gribble - Mortgage adviser - Elite Financial Consulting Ltd is listed in Exeter, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Exeter on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.