Services

My Service to you

Buying a house can be a complex process. I provide friendly and experienced support through the entire process, including mortgage application, liaising with the mortgage lender, and helping with your solicitors. PK Finance also gives full post sale support, including reminding you when your remortgage is due, or your insurance needs to be renewed.

Experienced in Estate Agency practices, if you prefer someone else to arrange your viewings, or make offers on a property for you, I can help until you have the keys in your hand, and afterwards!

PK Finance Paul Kozyra - Services
House Purchase

House Purchase

If you are looking to buy a house then PK Finance can help you every step of the way. From helping you source your property, to providing you with the information and costs involved in the purchase, and processing your mortgage fully, I provide support throughout the process to take away the stress. With over a decade’s Estate Agency and Financial Services experience, I will guide you through every step.

First Time Buyers

First Time Buyers

Being a first time buyer can be a daunting experience. I am here to ensure you are fully supported throughout the process, signposting each step of the way and helping you negotiate it all. Set your search at an achievable level with full guidance on how much you need to save, and what you can afford to borrow. I will answer any questions you need to ensure you fully understand the decision you are making (as it could be the biggest financial decision you ever make).

PK Finance Remortgages
Remortgages

Remortgages

Is your deal due to expire within the next 6 months?

Are you already on a variable rate and concerned about rate rises?

Get in touch today and we can discuss securing a more suitable deal for your circumstances. Even if you are tied in to your existing mortgage, it may be beneficial to set up your new deal for when your existing rate expires.

Capital Raising

Capital Raising

Thinking about doing some home improvements or consolidating some debt? We can discuss whether or not it’d be right to add these onto your mortgage. You can use your home to raise capital, whether it be for a building extension, to provide a deposit for another property, or simply for a holiday.

Self Employed

Self Employed

Whether you’re a sole trader, partnership, or a limited company, there are many mortgages out there for self employed people. With as little as 12 month’s history required, get in touch to discuss your options.

PK Finance Let to Buy
Buy to Let

Buy to Let

If you’re struggling to sell your home, or just don’t want to, why not consider renting it out? Or even consider buying property to let as a means of income. 

I am an expert of this type of mortgage (if I do say it myself!) and can give you a full list of options which suit your needs and abilities. 

Help To Buy

Help To Buy

Buying a new build house and want to utilise the government’s Help To Buy scheme?

Not sure where to start or how much you can borrow?

I have dealt with many of the major builders and developers and offer an expert service on this type of purchase.

Shared Ownership / Equity

Shared Ownership / Equity

Shared ownership properties are where you own a certain percentage of the property, and rent the remainder from a Housing Association.  These types of agreements are increasingly common and involve a specific mortgage. I have a lot of experience with this process and can explain all of the options, including calculating how much of the property you can afford to buy, if there is a choice.

YOUR HOME / PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Just Mortgages Direct Limited is a credit broker not a lender. Some buy to let mortgages are not regulated by the Financial Conduct Authority

Mortgage Calculator

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


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Principal & Interest
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Protecting yourself

From Life Insurance, Critical Illness Cover, Income Protection to Accidental Sickness & Compulsory Redundancy – I have the right advice.
 

FIND OUT MORE

GET IN TOUCH

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