Services
Kelly Scott Mortgages are located at Westfield Trading Estate, Midsomer Norton. Providing professional mortgage and protection advice. Helping everyone from first time buyers, to remortgaging, rate changes and insurance protection.
​
Home Moving
We are mortgage experts and pride ourselves in finding the right mortgage product for you, whatever your stage in life. Your needs and dreams are unique and so we strive to make sure the service we offer you is unique, too.
​
You’re more than just a client or customer to us, and so we take special care to ensure we get to know you properly, so we can understand what you need to achieve the right mortgage for you.
​
​
​​
​
First Time Buyer
Buying your first home should be one of the most exciting things you do in your life. We’ve arranged hundreds of first-time mortgages over the years, but we’ve never forgotten what it feels like to walk over the threshold of your own home for the very first time.
That’s why the highly personalised mortgage service we offer is designed to take the fear out of your first purchase and ensure you get to focus on the adventure ahead.
​
​
​
​​
Remortgage
Whether you’re hoping to create extra space in your existing property and need to free up some capital to do the work, or you just want to take advantage of an attractive deal with another lender, remortgaging is an attractive option for people who are happy in their property but are looking to drive better value for money from it. With years of experience, a peerless knowledge of the mortgage market and access to mortgage products you won’t find on the High Street, we’re the perfect partner to help you secure your future.
​
​
Buy To Let
The buy to let (BTL) mortgage market can sometimes be overwhelming, particularly if you’re just setting out on life as a landlord.
We’re experts when it comes to BTL mortgages and we’ll be right beside you to walk you through the steps to your first tenancy. From explaining the things you need to think about to making your final choice of mortgage product, our expert advice and reassuring support means you can take your first steps in the lettings sector with confidence.
​
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority
​​
​
​
Self Employed
One of the biggest worries for people who are self-employed is whether their lack of guaranteed income will stop them from securing a mortgage when they want to buy their first home or move up the housing ladder.
There’s no need for alarm – we’ve helped dozens of self-employed people to move home over the years and we have expert knowledge of the products on offer from each lender. By working with you, we can help you to find the product most suited to your circumstances and take the stress out of the process.
​
​
​
​
​
Protection
Kelly Scott Mortgages offers a range of specialist products that are designed to protect you and the people closest to you, ensuring you have the peace of mind of knowing that whatever life throws at you, you’re protected from the worst of it.
​
Our aim is to look after you on every step of your journey through life – from buying your first home to ensuring you have plans in place to ensure that you and the people you love are protected, whatever happens.
We provide life cover, critical illness, income protection and home insurance.
​
​
​
​
​
Equity Release and Later Life Lending
At Kelly Scott Mortgages, we understand that your retirement years should be filled with happiness, comfort, and financial security. That's why we specialize in providing tailored lending solutions for individuals who are approaching or enjoying their golden years.
Our expert is committed to helping you unlock the value of your home and optimize your financial well-being. Whether you have dreams of renovating your property, consolidating debt, supplementing your retirement income, or supporting your loved ones, our flexible and customizable lending options are designed to meet your unique needs and goals.
​
One option is equity release, this allows you to unlock the equity tied up in your home without the need to downsize or move. These plans provide you with tax-free cash, giving you the freedom to live life to the fullest.
One type of plan is a Lifetime Mortgage, where you access the value of your home while retaining ownership. Our lifetime mortgage products offer flexible repayment options and the freedom to use the funds as you see fit.
With our later life lending expert, you can expect:
1. Tailored Solutions: We take the time to understand your financial situation, goals, and aspirations, allowing us to provide personalized lending solutions that align with your needs.
2. Expert Guidance: Our experienced advisors are here to guide you through every step of the process, ensuring you have a comprehensive understanding of your options and helping you make informed financial decisions.
3. Transparency and Trust: We believe in building long-lasting relationships based on trust and transparency. You can rely on us to provide clear information, honest advice, and outstanding customer service throughout your journey with us.
Secure your financial future and enjoy peace of mind with Later Life Lending, contact us today to explore how our lending solutions can help you achieve your goals and objectives whatever they may be.
A Lifetime Mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits and tax status.
The impact of not servicing monthly interest payments on a Lifetime Mortgage is that the outstanding debt can grow rapidly, thus reducing the value of your estate.
For example, if the interest rate was 7% a year, a £50,000 loan would double to £100,000 after 10 years assuming no repayments are made.
This is an example for illustrative purposes only and personalised advice and recommendations should be sought from a qualified professional. You are strongly advised to register a lasting power of attorney. This will allow your affairs to be managed by somebody else if your mental abilities significantly decline.
DISCLAIMER
Your property may be repossessed if you do not keep up repayments on your mortgage.