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Read the latest news, views and insights on property and mortgages from the team at Key Mortgage Advice.

14th October 2018 | Blogs

Meet Our Team

At Key Mortgage Advice, we’re proud of our people. We believe our personal approach to providing mortgage advice is what makes us one of the most trusted consultancies in the North West. If you’re looking to secure a mortgage in Southport, Preston or Garstang, our team can help you to find the best deal. Get […]

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29th September 2018 | News

Fine & Country Join Us In Garstang

Fine & Country are joining us in the Resource Centre in Garstang! Established in 2001, Key Mortgage Advice now have high street offices in Preston, Southport and Garstang. With almost eighteen years of experience in the property sector, the company has established countless relationships with estate agents throughout Lancashire and Merseyside, and managing director, Sharon Duckworth, […]

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9th September 2018 | Blogs

Boost Your Property’s Eco-Friendly Appeal

As people become increasingly aware of their environmental impact, making your rental property more environmentally friendly can give your profits a real boost and help attract tenants. In April this year, a new legislation – the Minimum Energy Efficiency Standards (MEES) – came into effect, requiring every residential rental property to have an EPC rating […]

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31st August 2018 | Industry News

Lock In Best Fixed-Rate Mortgage Deals Now

There has been little change to the best fixed-rate mortgage deals on offer, despite the base rate being increased four weeks ago. Some lenders have even reduced their rates, suggesting there’s still time for people nearing the end of their contract to secure a better deal. The Bank of England increased the base rate from 0.5% […]

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11th August 2018 | Blogs

Our Guide to Improving Your Mortgage Chances

Trying to get a mortgage can be a daunting proposition, however, it’s not that difficult and there are several things you can do to improve your odds of being accepted. To have the best chance of securing the cheapest deals, you’ll need to have your finances in order before you apply. What do lenders base […]

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5th August 2018 | Industry News

Base Rate Increase: Should I Fix My Mortgage?

On Thursday, following a meeting of the Monetary Policy Committee, the Bank of England increased the base rate from 0.5% to 0.75%. This is the highest the base rate has been since 2009 and the rise has prompted many homeowners to consider looking for a fixed-rate mortgage deal. What is the base rate? The base […]

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15th July 2018 | Blogs

Do I Need Life Insurance to Secure a Mortgage?

Insurances are usually the last thing people think about when buying their new home and often there is some confusion around which are required, and which are optional. What Insurances Do I Need? Contrary to popular belief, life insurance is not a legal requirement when getting a mortgage. The only insurance you must have by […]

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29th June 2018 | Blogs

How Can Key Mortgage Advice Help You?

We recently reached 400 likes on Facebook; to say thank you, we’re offering you the chance to win a celebratory bottle of bubbly! Just enter your details into the form at the end of this blog to be entered into the competition. For our new followers, keep reading to find out how Key Mortgage Advice […]

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15th June 2018 | Blogs

How You Can Escape Mortgage Prison

You may have seen the term “mortgage prisoner” used in newspapers recently, to describe unfortunate homeowners who want to remortgage but do not meet the criteria to be accepted for a new loan. Back in 2014 and 2016, changes were made to the way lenders assess mortgage affordability. Rather than being based on multiples of […]

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31st May 2018 | Blogs

Remortgaging: Reasons to Remortgage

Around one in three of all mortgage loans taken out are for the purpose of remortgaging – A remortgage being the acquisition of a second mortgage loan, often used to replace an existing mortgage or borrow money against the value of a property. The most common reason for someone to consider remortgaging is that they could […]

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“I have recommended KMA to all my friends and if you’re buying a house or remortgaging I would look no further – the team are friendly, helpful people who have your best interests at heart every step of the way.”


“Sharon and her team have been a great help while trying to buy my first property. They talked me through the process step by step and sent me weekly updates on the progress of my purchase. I am confident that I have a great deal on my mortgage.”


“I cannot thank the team at Key Mortgage Advice enough. They provided an excellent service and were able to arrange our mortgage within a very tight, three week deadline. I would highly recommend them.”


“After a chat about my goals, Sharon put forward my case to a number of lenders and within a couple of days a local business manager from Barclays offered to support my application. I cannot fault the team at KMA, I have used and recommended them for nearly 10 years now and they are always my first choice.”


“Our clients ask us for advice on mortgages for both domestic and commercial premises and we have no hesitation in recommending them to Key Mortgage Advice. The team has a breadth of knowledge which they skilfully impart to our client base, who are always happy with the advice they receive.”

Champion Accountants, A COMMERCIAL PARTNER

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