Business Details
20 Years
experience
Expert Mortgage & Commercial Finance Advisors in Gravesend
Established in 2006, UKFCS Mortgage Specialists have built a reputation as independent mortgage and finance advisors committed to delivering tailored solutions. Our team leverages over 40 years of combined experience to navigate complex lending criteria and access exclusive products unavailable to many competitors. Regulated directly by the Financial Conduct Authority (FCA), we prioritise client interests through whole-of-market advice spanning residential and commercial mortgages, bridging loans, and protection insurance.Our technology-driven approach ensures seamless communication while maintaining a personal touch throughout the advisory process. With access to 90+ lenders, including specialist debt funders, we secure competitive rates for standard and non-standard cases. Our advisors adhere to strict ethical standards, offering transparent guidance to help clients achieve long-term financial goals. Headquartered in Gravesend, we serve clients nationwide with weekday support from 9am to 5pm.
Services
Mortgage Advice
Commercial Finance
Bridging Loans
Protection Insurance
Development Finance
Details
- Year established: 2006
Highlights and features
- We offer access to 90+ lenders including exclusive mortgage products
- Our advisors have over 40 years combined industry experience
- We provide whole-of-market independent mortgage advice
- We are directly regulated by the Financial Conduct Authority
- We specialise in complex cases including self-employed borrowers
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Highly recommend
Supported and well informed
Professional service
Services
Mortgage Advice
We provide independent mortgage advice with access to 90+ lenders. Our specialists help first-time buyers, home movers, and buy-to-let investors secure competitive rates. Using market-leading technology, we simplify the application process while maintaining personal guidance.
Commercial Finance
Our commercial finance team arranges mortgages, bridging, and development finance for property professionals. With access to private banks and specialist lenders, we structure deals from 50,000 to 50 million. Our advisors have particular expertise in auction finance and complex commercial projects.
Protection Insurance
We offer whole-of-market protection insurance advice including life cover, critical illness, and income protection. Our specialists create tailored policies that align with mortgage commitments and family financial planning needs. We're not tied to any single provider ensuring impartial recommendations.
Bridging Loans
Our bridging loan specialists access fast funding solutions for property transactions. We work with mainstream and specialist lenders to secure loans from 50,000 to 50 million. Particular focus on time-sensitive deals requiring rapid completion outside traditional lending channels.
Development Finance
We arrange development finance for residential and commercial projects. Our advisors connect clients with specialist lenders offering funding from 50,000 to 50 million. Expertise in complex schemes requiring phased drawdowns and exit strategy planning for maximum returns.
People
Danny Carter
Managing Director
With over 15 years in financial services, Danny leads our mortgage advisory team. He specialises in complex cases and has built strong relationships with specialist lenders to secure solutions for challenging applications.
Kirk Bowles
Mortgage & Protection Advisor
Kirk provides expert advice on mortgage and protection products. His client-focused approach ensures clear explanations of financial products while maintaining compliance with FCA regulations throughout the advisory process.
Rebecca Russell
Administrator
Rebecca supports our advisory team with administrative excellence. She ensures smooth processing of documentation and maintains client communication throughout the mortgage application journey.
Questions
What mortgage types do you offer?
We offer residential mortgages including first-time buyer, remortgage, buy-to-let, and specialist mortgages for self-employed individuals through our 90+ lender panel.
How does the mortgage application process work?
We begin with a fact-finding consultation to understand your needs, then access our lender panel to find suitable products before guiding you through the application process.
Do you offer commercial finance solutions?
Yes, we specialise in commercial mortgages, bridging loans, and development finance with access to specialist lenders offering loans from £50,000 to £50 million.
Are your protection insurance advisors qualified?
Yes, our protection team holds relevant financial qualifications and provides whole-of-market advice across life cover, critical illness, and income protection policies.
How are you regulated?
We are directly authorised and regulated by the Financial Conduct Authority (FCA) under reference number 435495 for mortgage and insurance mediation activities.
