Kingsgate Partners
Kingston upon Thames
Mortgage advice covering buy-to-let, first-time buyers. Kingsgate Partners charges a broker fee.
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About Kingsgate Partners
Kingsgate Partners is a UK mortgage broker based in Kingston upon Thames. Its website describes mortgage advice for buy-to-let, first-time buyers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Kingsgate Partners works across buy-to-let and first-time buyers from Kingston upon Thames — a focused listing led by buy-to-let work.
Buy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. The firm covers first purchases too, so first-time landlords should not be turned away for having no rental history.
Read the buy-to-let 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.
Read the first-time buyers guideFees: what this means for you
Charges a broker fee
You pay this firm for its advice on top of the lender's product fee, valuation and legal costs. Ask for the amount, the point at which it becomes payable and whether it is refundable if the case falls through — firms must disclose this before you commit. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
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 Kingsgate Partners
Tailored to this listing.
- 1You list buy-to-let and first-time buyers — how many cases like mine do you place in a year, and which lenders do you use for them?
- 2What is your fee, when is it payable, and do I get it back if the application does not complete?
- 3How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 4What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 5Do you see clients at your Kingston upon Thames office, or is this handled by phone and video?
Getting in touch with Kingsgate Partners
Kingsgate Partners lists a phone number, an email address and its own website, so use whichever suits.
- 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
Does Kingsgate Partners charge a fee for mortgage advice?
Yes. Kingsgate Partners is listed as fee-charging, so you pay the firm for its advice in addition to lender and legal costs. Ask for the exact amount, when it becomes payable and whether you get it back if the application does not complete. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
What types of mortgage does Kingsgate Partners handle?
Kingsgate Partners records buy-to-let and first-time buyers, working from Kingston upon Thames. Ask anyway if your case sits outside that list.
Does Kingsgate Partners arrange buy-to-let mortgages?
Yes — buy-to-let is one of the areas Kingsgate Partners lists. How much you can borrow is set mainly by the rent the property will achieve against a lender's stress rate, not by your income. Ask about limited-company lending too, since the tax treatment differs and the rates usually do as well.
Does Kingsgate Partners only cover Kingston upon Thames?
Kingsgate Partners is listed in Kingston upon Thames, but UK brokers are not restricted to their own area and most advise nationally by phone or video.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.