Professional, personal and tailored Mortgage & Protection Advice

Welcome to PK Finance

Choosing a mortgage is one of the most important financial decisions you will make. At PK Finance we aim to take the stress out of that decision by providing you with fully tailored support, and at any time and location which suits you. 

Providing a reliable and sincere service for Cheshire and surrounding areas, we will help you understand all of the options available, and give you a full recommendation on the best solution for your mortgage and protection needs.

  • positive review  I would highly recommend Paul's service as he is dedicated and his perseverance was excellent and helped us right up until completion. Thank you Paul for helping us achieve our dream house goal!

    Natilly Rachel Avatar Natilly Rachel
    October 5, 2018
  • positive review  I used Paul to remortgage and was delighted with his services and can't recommend highly enough. He was very knowledgeable of the market and got a great deal. My circumstances were not conventional but this didn't stop him finding the right mortgage where previous advisors couldn't be bothered. Will definately use your services again and recommend to anyone.

    Donna Walton Avatar Donna Walton
    September 11, 2018
  • positive review  I would 100% recommend Paul. He made the process of buying our first home so much easier, always being there for my endless questions, coming to our old house so we didn't have to do anything. He has a great understanding of the process and knew who to contact for reports, solicitors etc. Huge thank you!

    Sarah Stobbs Avatar Sarah Stobbs
    March 4, 2019
  • positive review  What can I say Paul went above and beyond to help us get the right mortgage for us and without his help I doubt we would be in the house we love, didn't matter what day or time we contacted Paul he was always on hand to help. Can whole heartedly recommend PK Finance

    Mervyn Thomas Avatar Mervyn Thomas
    November 15, 2018
  • 5 star review  Buying a new home is supposed be stressful. Not with Paul kozyra's professional, reliable and excellent service. Couldn't recommend any higher. Thank you for all your help.

    Dave Holland Avatar Dave Holland
    October 17, 2017
First Time Buyers

First Time Buyers

Full support through the entire buying process, each step of the way, to help you negotiate it all.

Help to Buy

Help to Buy

Buying a new build house with the government’s Help To Buy scheme? We can advise on borrowing and where to start.



Is your deal due to expire within the next 6 months? Already on a variable rate and concerned about rate rises?

Buy to Let

Buy to Let

Struggling to sell your home, or don’t want to? Consider renting it out to raise the deposit of your new home from the income.

Self Employed

Self Employed

Whether your are a Sole trader, partnership or a limited company, there are mortgages out there suitable for you.

Self Employed

Protecting yourself

From Life Insurance, Critical Illness Cover, Income Protection to Accidental Sickness, or Redundancy

What we will do for you

We will always recommend products and services that are right for you. The right mortgage doesn’t necessarily mean shopping for the deal with the lowest fees.

There are many reasons why a mortgage is suitable, from speed of service, interest rates, to finding a lender who will accept your unique circumstances.

By helping you understand how mortgages work and running through all of the options available, you will be able to make informed decisions which best suit your mortgage or insurance needs.

This includes explaining different interest rate types, giving you options of mortgage terms and deposit levels, and advising which mortgage is the most suitable for you based on your individual circumstances.

Mortgage Calculator

Purchase price
Please enter here the amount you expect to pay for a home.
Enter a value
Down payment
Down payment is cash that you pay upfront for your home.
Enter a value
Term in years
Number of years you have to pay.
Enter a value
Interest rate (per year)
The percentage of interest that you will pay on your mortgage for a specific term.
Enter a value
Property tax
Enter your property tax here if you know it.
per year
Enter a value
Home insurance
Most lenders require home insurance. Enter its price here.
per year
Enter a value
PMI is Private Mortgage Insurance which is usually required to pay if your Down payment less than 20%.
per month
Enter a value

Your total monthly payment


Principal & Interest


For a no obligation appointment at a time
and location to suit you, call us on 01477 668000

Your home / property may be repossessed if you do not keep up repayments on your mortgage.

* Some Buy To Let and Let to Buy Mortgages are not regulated by the Financial Conduct Authority.