Kintail Finance
Inverness
Mortgage advice covering self-employed, later life / equity release, commercial and 4 more. Kintail Finance has not recorded a fee structure.
Main contact
About Kintail Finance
Kintail Finance is a UK mortgage broker based in Inverness. Its website describes mortgage advice for residential mortgages, buy-to-let, first-time buyers, self-employed borrowers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Kintail Finance records 7 of the 13 areas this directory tracks, working out of Inverness: self-employed, later life / equity release, commercial, help to buy, buy-to-let, first-time buyers and residential. That is a broad listing.
Running commercial alongside buy-to-let usually points at landlord and business-owner clients — semi-commercial units, HMOs and portfolios rather than single flats.
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 guideCommercial
Commercial mortgages are underwritten case by case rather than from a rate table. Lenders look at the trading business behind the purchase, the property type and your experience, and terms are negotiated rather than advertised.
Help 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 guideBuy-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. Alongside commercial lending, that points at semi-commercial units and HMOs rather than single flats.
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. 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. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
Verify before you share anything.
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 Kintail Finance
Tailored to this listing.
- 1You list a wide range of areas — which of them do you place regularly, and would I be dealing with a specialist in mine?
- 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 deposit, trading history and security will a commercial lender want from me, and how long does a decision usually take?
- 6What are my options for the equity loan — repay it, remortgage around it, or leave it in place — and what does each cost?
- 7Do you see clients at your Inverness office, or is this handled by phone and video?
Getting in touch with Kintail Finance
Kintail Finance 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
What does Kintail Finance charge for mortgage advice?
Not recorded on this listing — ask Kintail Finance directly, as it must tell you before you commit. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does Kintail Finance handle?
Kintail Finance records self-employed, later life / equity release, commercial, help to buy, buy-to-let, first-time buyers and residential, working from Inverness. Ask anyway if your case sits outside that list.
Does Kintail Finance work with self-employed borrowers?
Yes — self-employed lending is one of the areas Kintail Finance 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 Kintail Finance only cover Inverness?
Kintail Finance is listed in Inverness, 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.