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Kirstie Lumley Mortgage Broker Ltd

Mortgage Brokers · Malton, York · Est. 2022

4 years

Active Trading

Active

CH Status

13900525

Company No

2026

Accounts to

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Company Registration Details

Registered company name	Kirstie Lumley Mortgage Broker Ltd
Companies House number	13900525 →
Company type	Private Limited Company (Ltd)
Registered address	30 Yorkersgate, YO17 7AW
City / Region	Malton, York
Date incorporated	2022
Years trading	4 years
CH status	Active
Specialism	Recorded activity: 64922
Index status	Claim this listing →

About Kirstie Lumley Mortgage Broker Ltd

Incorporated in 2022, Kirstie Lumley Mortgage Broker Ltd is a relatively recently established firm. Newer entrants to the UK financial services market often bring fresh approaches, specialist expertise and a strong digital proposition built for modern client expectations.

It is one of 22 mortgage brokers listed in York on this index of 5754 UK firms in the category.

Confirm FCA authorisation on the Financial Services Register at register.fca.org.uk before instructing any firm.

What Mortgage Brokers Do

A mortgage broker acts as an intermediary between borrowers and lenders, assessing your circumstances before recommending a product. Firms differ in market coverage, and FCA rules require that coverage to be disclosed at the outset of advice.

Away from vanilla purchases, lender appetite varies widely, and matching case to lender is the skill being bought.

How to Choose the Right Mortgage Broker

Specialist knowledge of niche lenders is what separates firms when an application falls outside standard criteria. A short scoping call establishes lender access, typical turnaround and whether the firm has an appetite for your case.

Most firms are paid a procuration fee by the lender on completion; some add a client fee, which must be disclosed upfront.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?

Direct applications are always possible but confine you to one lender's range. An intermediary compares products across many lenders at once, which tends to matter most where circumstances are non-standard: self-employment, credit history issues or unusual property.

How much does a mortgage broker charge?

Many firms are paid entirely by the lender through a procuration fee, so no client charge applies; others add a client fee, particularly for complex work. Whatever the model, it must be disclosed clearly before you commit.

What documents do I need to provide to a mortgage broker?

Expect to provide identity and address proof, recent bank statements, payslips or accounts if self-employed, details of existing credit commitments, and information on the property. The firm will confirm the exact list for your lender.

How long does the mortgage process take when using a broker?

From application to offer is commonly two to six weeks with mainstream lenders, longer for specialist lending. A firm that manages the lender relationship actively can compress that materially.

Can a mortgage broker help if I have been declined by a lender?

A decline is frequently a criteria mismatch rather than a verdict on you. Firms that know lender appetite can identify where your circumstances fit and structure the resubmission accordingly.

Other Mortgage Brokers in Malton

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Important notice: This page presents publicly available information from the Companies House register. Kaeltripton.com is a directory service and is not affiliated with Kirstie Lumley Mortgage Broker Ltd or any listed firm. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

Kirstie Lumley Mortgage Broker Ltd | Mortgage Brokers | Malton | Est. 2022