mortgagematterssolutions.co.uk
Kings Hill · West Malling · Kent
Twenty five years of straight answers
Mortgage and protection advice from Kings Hill. Nicola Speight has spent her career telling people honestly what they can borrow, including the times when the answer is not yet. You deal with her from the first call to the day you get the keys.
Over 25 years advising on mortgages and protection, from Kings Hill in Kent.
07973 705692Who you are dealing with
Small team. Big experience.
You will not be handed between advisers or asked to explain yourself twice.
Our services
Mortgages, protection and insurance
Everything under one roof, so the cover and the mortgage are designed to work together rather than arranged by two people who never speak.
Buying your first home
What you can borrow, what the deposit really needs to be, and what every fee along the way actually costs.
Read moreMoving home
Porting your existing deal, borrowing more, and lining the mortgage offer up with a completion date that keeps moving.
Read moreRemortgaging
When a fix ends you are moved onto the standard variable rate, which is almost always more expensive. We start looking six months out.
Read moreLandlords and portfolios
Buy-to-let, limited company and SPV lending, let-to-buy, and portfolio cases across four or more mortgaged properties.
Read moreProtection
Life cover, critical illness and income protection, chosen on the policy wording rather than the headline premium.
Read moreGeneral insurance
Buildings, contents and landlord cover, with the rebuild figure set properly so a claim is not reduced.
Read moreWhat we are known for
The cases that need someone who knows the lenders
Straightforward applications rarely need a broker. The value shows up when your circumstances do not fit the box a high street computer is expecting.
Company directors and the self-employed
Some lenders use salary plus dividends drawn. Others use salary plus your share of retained profit, which on the same set of accounts can mean tens of thousands of pounds more. Knowing which lender does what is the job.
Credit history that needs explaining
Defaults, County Court Judgments and past arrangements are rarely fatal. What matters is the age, the size and what has happened since. Some lenders take a considered view where others apply a blanket rule.
Landlords and limited company structures
Rental stress tests, SPV lending, personal guarantees and portfolio assessments. Once you hold four or more mortgaged properties the lender panel narrows sharply and the paperwork gets heavier.
Applications that have already been declined
Worth a conversation before you try anywhere else. Each new application leaves a mark on your credit file, and several in quick succession make the next lender more cautious rather than less.
How it works
Four steps and no surprises
A proper conversation
Twenty minutes by phone, on Teams or Zoom, or in person at Kings Hill. We establish what you are trying to do and what your position genuinely is.
We research the market
We look across a wide range of lenders and work out which will realistically lend in your circumstances, rather than which has the lowest headline rate for somebody else.
A clear recommendation
In writing, with the reasoning, the total cost over the deal period and our fee set out plainly. If your existing deal beats anything we can arrange, we will tell you that instead.
We handle the application
We deal with the lender, chase the valuation and keep you updated. Lisa spends much of her week chasing solicitors so that you do not have to.
She had been told it was not possible
A relationship had ended and left her paying off a former partner's debt. By the time she came to us she had rebuilt her finances but assumed buying was permanently out of reach, because that is what she had been told.
Her family were able to help with a gifted deposit. The rest was a matter of knowing which lender would look at the circumstances rather than the credit score alone, and putting the case to them properly the first time. She completed on her first home.
Not every case ends this way, and we will tell you early if we think yours will not. But a great many people write themselves off before anyone has looked at the numbers.
Accreditations
Regulated advice you are protected by
Mortgage Matters Solutions is a small firm, but the advice sits inside a national network and the full regulatory framework that comes with it.
Appointed Representative
Mortgage advisers
Free and independent
Advising across Kent
PRIMIS Mortgage Network is a trading name of Advance Mortgage Funding Ltd, which is authorised and regulated by the Financial Conduct Authority. Mortgage Matters Solutions is an appointed representative of PRIMIS Mortgage Network.
Reviews
In our clients' words
“Nicola has been absolutely fantastic, I can’t thank her or recommend her enough, she has helped me throughout the entire process and her advice and guidance were incredible. Couldn’t recommend her enough.”
L Yelland, July 2026“From start to finish we received amazing communication, Nicola and Lisa were brilliant and super efficient. Can’t wait to use your services again, thanks so much.”
J McKay, June 2026“Nicola and the team are amazing. I’ve worked with Nicola on multiple occasions and will always go back. She’s kind, friendly and most importantly gets the job done. I’m super grateful for the work that she does, as she always goes the extra mile.”
T Sollom, May 2026Where we are
Kings Hill, and wherever suits you
The office is at Churchill Square Business Centre in Kings Hill, a few minutes from West Malling. We work with clients across Maidstone, Tonbridge, Sevenoaks, Aylesford and the rest of Kent, and with a number of clients in Staffordshire and further afield.
Plenty of the people whose mortgages we have arranged we have never met in person. Appointments run in person, by telephone or by video, at a time that suits you rather than one that suits office hours.
Find out where you stand
One conversation and you will know what is achievable, what it would cost and whether now is the right time. No charge and no pressure.