K and H Mortgages
Mortgage advice that puts you first, always.
Friendly guidance for every stage of your mortgage journey.
Your home may be repossessed if you do not keep up repayments on your mortgage.
About us
Advice built around you - not the banks.
We’re Katie and Helen – two experienced mortgage advisers who believe in making the process of getting a mortgage feel simple, stress-free and fully supported. We know how much a home means – and we’re here to guide you with honesty and care.
Services
Who we help
First-Time Buyers
Buying your first home? We help you understand your options and find the right mortgage to buy your first home with confidence.
Home Movers
Already a homeowner and planning your next move? Upsizing, downsizing or relocating – we’re here to help.
Remortgagers
Is your current deal ending ? Or wondering if you can borrow more? We search the market to help secure the best deal for you, your circumstances and requirements.
Landlords
Are you a new or experienced landlord looking to invest or grow your portfolio? We’re here find the right mortgage to meet your investment goals.
Why choose us?
With us, you’re not limited to one bank. We search a wide panel of lenders and provide advice that’s tailored entirely to your needs – not targets or in-house products.
What this means for you:
More choice & better options – access to a wide range of lenders, including specialists.
Real conversations – you deal directly with Katie & Helen, not a call centre.
Clear, simple explanations – we break everything down so nothing feels overwhelming.
Support from start to finish – from affordability to application, you’re never doing it alone.
Truly tailored advice – recommendations based on what’s right for you, not one bank’s range.
How
it works.
Every situation is different, so we take the time to understand what matters most to you. With friendly guidance and clear advice, we make the process feel manageable. Here’s our simple three-step approach.
Book your free consultation
Tell us what you’re looking for and what matters most to you.
We search the market for the right lender
Expert advice tailored to your needs.
Your mortgage sorted – with full support
We guide you through each step, keeping things clear and stress-free.
“Helen actually listened to what we needed and found us the exact right product at the right price. She took all of the stress off our hands and handled everything quickly and professionally. I’d give her 10 out of 10 and have already recommended her to friends and family.”
Laura
“I have used Katie twice now for when I first was buying my house and when it was also time to re-mortgage. Katie made the process so easy and less stressful sorting everything I needed to do to buy. Katie sorted out my insurances and I could message her or ring when I needed to. I’m glad Katie was recommended to me 
“
Kat
“Katie made the moving process simple and as easy as possible, making us feel welcome to call her about anything at anytime. The mortgage was quick and easy to apply for. We would highly recommend K & H Mortgages!!”