Koto, here to save you time and money

Mortgage Broker St. Albans, Hertfordshire

Koto Financial Services are mortgage and protection advisers based in St. Albans, Hertfordshire.
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About Koto Financial Services

Koto Financial Services offer advice and support with all types of property finance. From Mortgages for First Time Buyers, Home Mover and Remortgages to Buy To Let Landlords and Equity Release Mortgages. We also offer Bridging and Commercial Mortgages (with some help from our partners). We have specialist lenders on our panel who are happy to consider adverse credit.

We are whole of market advisers, which simply means we have access to every lender. This means we can match you with the best lender for your circumstances, not to mention all the relevant protection that goes alongside it. We also have great relationships with solicitors, estate agents and surveyors across the UK and can recommend the best firm for your conveyancing needs.

By the way, in plain English, by protection, we really mean Life Assurance, Critical Illness, Income Protection, Family Income Benefit, Buildings & Contents Insurance and Landlords Insurance. We can also help you to put a will in place.

What you’ll get from us is a focus on delivering a service for all our clients’ needs as we help them buy their home, keep their home, and protect their families.

Koto Financial Services are based in St. Albans, Hertfordshire, but due to the nature of what we do and how we do it, we’re more than happy to support anyone nationwide, so feel free to book a call at a time that suits you – regardless of location.

We are an appointed representative of Stonebridge Mortgage Solutions, authorised and regulated by the Financial Conduct Authority.

How it works

After a call with one of the team, all you need do is sign up to our customer hub and complete your personal profile – this can be completed quickly on your phone, tablet or computer.

Introduction Call

Book a call for a time that suits you.

Customer hub

Sign up to our customer hub and complete your personal profile.

Affordability assessment

Once you have filled in your personal profile we will be able to assess your affordability, considering:

  • existing properties and investments
  • income and expenditure
  • debt and monthly commitments

Decision in Principle

The next step is to get a decision in principle to get a head start on other buyers and show the sellers you’re serious about buying. Properties move fast, so this puts you in the best position to secure your dream property. We will search the whole market and find you the best match. We’ll discuss any fees you can expect up front.

Mortgage Offer

Once you find the property you want to purchase, we will handle the application process from start to finish. We will request documentation through your customer hub and liaise with the lender so you can put your feet up and wait for your mortgage offer.  We can recommend solicitors and a surveyor, as well as give you a quote for home and life insurance.

Book a free consultation to have a chat about your requirements.

Why work with us

At Koto our ethos is to provide exceptional service whilst taking the stress out of the mortgage process.

As we like to keep things simple and save you time and money, our customer hub uses the latest technology to remove as much of the administration as possible. Registration only takes 10 minutes and saves you hours of time by automating processes such as sharing documents and signing agreements.

Take a look for yourself at how simple it is here.

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