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  Myself and Caitlin cannot thank Paul enough. From Day 1 he has been in constant contact and offered us multiple options, gave us every bit of information and answered every question we had without fuss even during out of hours. Paul chased on everything on our behalf and even chased us to make sure we were up to date also. Mysely and my partner have just finished unpacking the last box into our house and even with issues from the builders Paul made sure he was ontop of everything. Cannot reccomend PK finance enough, buying a house is meant to be difficult but he has made the journey very simple and easy and i'd highly reccomend Paul to anyone. If you want a genuine, decent and all around top person to sort your mortgage services look no further. Thanks again Paul :).

    Dave Arton Avatar Dave Arton
    July 21, 2019
  • positive review  My 2 year fixed rate mortgage was coming to an end this month. I was worried that Brexit would send my repayments through the roof. Paul was in touch just before I started speaking with my current lender and I'm so glad he was. He has managed to put me on a new 5 year fixed rate which is very much similar to my current deal. Thank you Paul for a great's definitely put my mind at ease!

    George Carr Avatar George Carr
    February 4, 2019
  • positive review  Paul was a huge help and explained all my options when he came to see me at home, both for a mortgage and insurances. I would definitely call on his expertise in future as he made my home move so much easier, thanks again Paul!

    Stu Winter Avatar Stu Winter
    October 13, 2018
  • positive review  So I should have done this earlier however I can highly recommend Paul Kozyra and his awesome company for all your financial needs he is always there when needed and I can’t recommend him highly enough thanks Pookie 👍🏻👍🏻

    Mark French Avatar Mark French
    October 4, 2018
  • positive review  Where do I start with Paul! From the moment he came to our house to discuss mortgages and our position with buying our first house to getting us the mortgage, he was so helpful and worked so so hard to get us our mortgage! If I was stressed or anxious he always put me at ease and did everything he could to relieve that stress! He is super friendly and cares! Thank you so much Paul for making our dreams come true with our beautiful house! I would highly recommend him to anyone and everyone! Xxx

    Amy Louise Bellamy Avatar Amy Louise Bellamy
    September 14, 2018
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.