About Us

With over 20+ years experience in the mortgage and insurance industry, you can be rest assured that we can offer you the best advice for your circumstances to get you the solution that suits your individual priorities and needs. We will keep you up to date throughout the process and answer any of your questions along the way to make sure everything goes smoothly.

We will search through 1000's of products and tailor make the mortgage to suit your needs and budget · We will arrange and support you throughout the whole mortgage process· We offer full personal protection policies to run hand in hand with your mortgage.

We are here to save you time and money using a paperless application process. We will make sure you will get the expert advice and support you need to complete the mortgage process. Our mortgage and insurance advice, is just a phone call away, or use our contact form below.

AREAS WE COVER

First time buyers / Purchase

Buying a property is one of the biggest decisions of your life, there are many different options to consider, therefore it is important to get the correct advise, right from the start.

To help you make the right decision we have put together some top tips to think about:

· Borrowing capacity – any expenses you can reduce or pay off, to maximise affordability.

· Budget – take into account all monthly incomings and outgoings for now and in the future once you have moved into your new home. In addition don’t forget your deposit, conveyancing costs and stamp duty.

· Area - where you are looking to move to, school catchment areas, council tax bands, travel costs to work.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Re-mortgage

First time buyers / Purchase

A remortgage is the process of paying off one mortgage with the proceeds from a new mortgage using the same property as security. This can be done with the same lender, known as a product transfer, or more commonly with a new lender.

There are many reasons you may want to remortgage:

· Your current rate is coming to an end, meaning your monthly costs are about to increase

· Change to a lower rate to reduce monthly cost, even though your rate has not ended yet

· Capital raise

· Home improvements

· Debt consolidation

There may also be early repayment penalties on your current mortgage, if you choose to remortgage before your current rate ends.

You should also think carefully before securing other debts against your home, as it could mean you end up paying more interest over a longer period of time.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Buy to let

First time buyers / Purchase

Buy to let

Starting out in the rental market or expanding your portfolio, we are here to help you along the way.

The main differences between a buy to let mortgage and a residential mortgage are:

· Larger deposit required, minimum ranging from 20% -25% of the property value

· Slightly higher interest rates

· The mortgage is agreed on the amount of rent you receive and your income, in some cases income is not even considered

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE MOST BUY TO LET MORTGAGES

A MORTGAGE IS A LOAN SECURED AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Protection

First time buyers / Purchase

Buy to let

Life Insurance

This basic form of insurance is for people who want to leave a lump sum of money in the event of their death over a specific term. This cash lump sum is paid tax free and can be used to pay off a mortgage or other debt. It can protect your family from financial implications of losing somebody and is very important if you have young children or dependents.

The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Critical Illness Cover

This type plan pays out a lump sum on the diagnosis of certain specified critical illnesses. The quality of cover and the illnesses covered can vary significantly between different providers.

This type of plan is designed for those individuals or families whom want a lump sum if they are diagnosed with a serious illness. This lump sum could be used to repay the mortgage or a secured loan, or pay for private medical care, time off work or even alterations to the home if needed.

The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Income Protection

This is designed to pay you an income if you are unable to work due to an accident or illness. This type of plan will continue to pay out an income for as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age).

Types of people this plan would suit are both the self employed and the employed, even if your employer provides sick pay, as this is unlikely to last longer than twelve months, therefore this income protection would follow on for peace of mind for long term protection.

Family Income Benefit

This is a life insurance policy which pays out a regular tax free income until the end of the term, instead of a lump sum.

‘Protection services are referred to a third party. Karen Louise Walker is not responsible for the service received’

OTHER AREAS

Bridging Finance

This is a short term loan taken out when long-term financing, or the sale of an asset, is being arranged but has not yet completed. In effect, it "bridges" the gap between:

Immediate requirement for finance; and
The finalisation of the longer-term loan or receipt of the proceeds of a sale

Bridging finance are referred to a third party. Karen Walker Mortgage Solutions is not responsible for the

service received.

Commercial

Bridging Finance

With commercial finance, currently we refer to a master broker who will review your current circumstances, carry out extensive research and provide a detailed personal recommendation on our behalf.

Commercial services are referred to a third party. Neither Karen Walker Mortgage Solutions or PRIMIS are responsible for the service received. These services are not regulated by the Financial Conduct Authority and may have limited consumer protection.

Secured Loans

Equity Release

Sometimes a client doesn't fit the mould for a re-mortgage or a further advance, or these may not be their best option. This could be for a number of reasons, but doesn't always mean that we're not able to help.

We can have a look and see if a secured loan would be the better option.

THIS TYPE OF LOAN IS SECURED AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Secured loan services are referred to a third party. Neither Karen Walker Mortgage Solutions or PRIMIS are responsible for the service received. These services are not regulated by the Financial Conduct Authority and may have limited consumer protection.

Equity Release

With equity release, currently we refer to a master broker who will review your current circumstances, carry out extensive research and provide a detailed personal recommendation on our behalf.

Equity release services are referred to a third party. Neither Karen Walker Mortgage Solutions or PRIMIS are responsible for the service received.

A Lifetime Mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits and tax status. The impact of not servicing monthly interest payments on a Lifetime Mortgage is that the outstanding debt can grow rapidly, thus reducing the value of your estate. For example, if the interest rate was 7% a year, a £50,000 loan would double to £100,000 after 10 years assuming no repayments are made. This is an example for illustrative purposes only and personalised advice and recommendations should be sought from a qualified professional. You are strongly advised to register a lasting power of attorney. This will allow your affairs to be managed by somebody else if your mental abilities significantly decline.

Contact Us

Better yet, you can always give us a call!

07901825062

Karen Walker Mortgage Solutions

Karen@karenwalkermortgagesolutions.co.uk

Hours

Open today

09:00 – 19:00

Closed Bank Holidays

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Karen Walker Mortgage Solutions is a trading name of Karen Louise Walker who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.

The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.

Trading address - 6 Collison Place, Tenterden, Kent, TN30 7BU

A fee of a maximum of 1.5% of the proposed mortgage will be charged to cover the costs of our professional mortgage services (as a whole).

The specific amount of the fee will be based on individual clients’ circumstances and the extent of the work involved.

For example, a loan of £100,000 would equate to a maximum fee of £1,500 (£100000 X 1.5%). The fee becomes payable on receipt of the mortgage offer. We will also be paid commission by the lender assuming your mortgage proceeds to legal completion.

The fee is payable on receipt of the offer. You will not receive a refund if your mortgage or loan does not go ahead.

We will also be paid a procuration fee from the lender. The amount of the procuration fee will be disclosed to you. You have the right to ask us to provide information on the range of procuration fees that the lenders on our panels offer to us.

If an application is submitted to a lender via a packager we will be paid commission by the packager. This will be disclosed to you.

‘Karen Walker Mortgage Solutions is a trading name of Karen Louise Walker who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority’.

We are committed to providing a professional service to all our customers.

If you are unhappy then we want to hear about it so we can try to put things right. With this in mind, we have the following complaints procedure in place.

You can make a complaint by any reasonable means including telephone, letter, or email.

Our contact information:

· Write to: KWMS 6 Collison Place Tenterden Kent TN307BU

· Telephone: 07901825062

· Email: karen@karenwalkermortgagesolutions.co.uk

If you prefer, you can also refer your complaint to PRIMIS directly using the following contact details:

· Write to – PRIMIS Mortgage Network, Customer Resolution Team, Ground Floor, Birmingham Business Park, B37 7YT.

· Telephone: 0121 767 1139

· Email: complaints.solihull@primis.co.uk

You can also complain via their website:

· https://www.primis.co.uk/privacy-notices/complaints/

The same section of the website contains more information about PRIMIS’ role in complaints handling and about how Appointed Representative relationships work.

How we will handle your complaints

Simplified Complaints

We will use this process if:

· your complaint is about a simple matter - that we can look into and solve quickly and easily; and

· you direct it to us (rather than directly to PRIMIS Mortgage Network) in the first instance.

We will investigate your complaint and aim to resolve it within three business days following the date of receipt. If you are happy to accept our proposed resolution, we will send you written confirmation of our investigation.

If you cannot confirm acceptance by the end of the third working day (for example – because you are not happy with our proposed response or if you are not available to discuss it with us) then the case will be referred to PRIMIS Mortgage Network. It will then be handled in line with the Formal Complaint process outlined below.

If your complaint is more complex or is unlikely to be resolved quickly then we will usually refer it to PRIMIS straight away

Formal Complaints

The formal complaints process will be used where:

· we can’t resolve your complaint to your satisfaction within 3 working days: or

· your complaint is likely to involve more complex assessment or investigations; or

· you send your complaint directly to PRIMIS Mortgage Network rather than to us in the first instance; or

· you ask us to deal with your complaint in this way rather than via a simplified process.

Upon receipt PRIMIS will acknowledge your complaint promptly and will investigate it fairly and impartially. They will write to you within 8 weeks to confirm the outcome of their investigation.

In the unlikely event that their investigation is not complete within eight weeks of receipt of your complaint they will write to you to explain why and let you know when you can expect to hear from them. They will also provide details of how to contact the Financial Ombudsman Service if you are not satisfied with progress.

The Financial Ombudsman Service

If, following PRIMIS’ investigation you are still not happy with the outcome you have a statutory right to refer your complaint to the Financial Ombudsman Service.

It is a service free of charge to consumers and you may refer the matter to the Financial Ombudsman Service (FOS) within six months from the date that you received a final response to your complaint.

You can contact the service using the following details:

Telephone 0800 023 4567

Email: complaint.info@financial-ombudsman.org.uk

You can also visit their website and refer complaints to them online by visiting.

https://www.financial-ombudsman.org.uk/

Let us know if you need any extra help or support.

We are committed to providing a complaints service that is accessible to all our customers.

If you will have any difficulties with any elements of the process that is outlined above, or if there are circumstances that might mean we need to change the way in which we handle your complaint then please let us know when you tell us about your complaint.

Customer Privacy Notice

Karen Walker Mortgage Solutions (our Firm, we, our, us) an Appointed Representative of PRIMIS Mortgage Network a trading name of Personal Touch Financial Services Limited (Our Network)

Why are we asking you to read this document?

During the course of dealing with us we will ask you to provide us with detailed personal information relating to your existing circumstances, your financial situation and, in some cases, your health and family health history (Your Information). We would like to explain to you what we will need to do with Your Information, and the various rights you have in relation to Your Information.

What do we mean by “Your Information”?

Your Information means any information describing or relating to you. Your Information may identify you directly, for example your name, address, date of birth, National Insurance number and the like. Your Information may also identify you indirectly, for example, your employment situation, your physical and mental health history, or any other information that could be associated with your cultural or social identity.

In the context of providing you with assistance in relation to your mortgage and/or insurance requirements Your Information may include:

• Title, names, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity

• Employment and remuneration information, (including salary/bonus schemes/overtime/sick pay/other benefits), employment history

• Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents

• Health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing we may undertake in relation to this type of information)

• Any pre-existing mortgage and/or insurance products and the terms and conditions relating to these

The basis upon which our Firm will deal with Your Information

When we speak with you about your mortgage and/or insurance requirements we do so on the basis that a contract for the supply of services is in place between us. In order to perform that contract, and to arrange the products you require, we have the right to use Your Information for the purposes we set out below.

Alternatively, either in the course of initial discussions with you or when the contract between us has come to an end for whatever reason, we have the right to use Your Information provided it is in our legitimate business interest to do so and your rights are not affected. For example, we may need to respond to requests from mortgage lenders, insurance providers and our Network relating to the advice we have given to you, or to make contact with you to seek feedback on the service you received.

On occasion, we will use Your Information to enable us to meet any contractual responsibilities we may owe our Network, or for wider compliance with any legal or regulatory obligation to which we might be subject. If this were to arise we would be processing Your Information in order to meet a legal, compliance or other regulatory obligation to which we are subject.

The basis upon which we will process certain parts of Your Information

Where you ask us to assist you with your insurance needs, in particular life insurance and insurance that may assist you in the event of an accident or illness, we will ask you information about your ethnic origin, your health and medical history (Your Special Data). We will record and use Your Special Data in order to make enquiries of insurance providers in relation to insurance products that may meet your needs and to provide you with advice regarding the suitability of any product that may be available to you.

If you have parental responsibility for children under the age of 16 it is also very likely that we (and consequently our Network) will record information on our systems that relates to those children and potentially, to their Special Data.

The arrangement of certain types of insurance may involve disclosure by you to us of information relating to historic or current criminal convictions or offences (together “Criminal Disclosures”). This is relevant to insurance related activities such as underwriting, claims and fraud management.

Your Special Data and any Criminal Disclosures will be used by us in the same way as Your Information generally, as set out in this Customer Privacy Notice.

When we process your Special Data and any Criminal Disclosures we do so on the basis that it is in the substantial public interest to be able to provide vital insurance products and as permitted by UK data protection related laws and regulations from time to time. Information on Special Category Data and Criminal Disclosures must be capable of being exchanged freely between insurance intermediaries such as our Firm, and insurance providers, to enable customers to secure the important insurance protection that their needs require.

How do we collect Your Information?

We will collect and record Your Information from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to mortgages and insurance. You will provide information to us verbally and in writing, including email.

We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public domain such as the voters roll. If we use technology solutions to assist in the collection of Your Information, such as software that is able to verify your identity on-line or to access your credit status and/or bank account entries, then you will be required to provide your consent for us or our nominated processor to access your information in this manner, and details of how such software operates will be provided to you prior to the activation of the service.

What happens to Your Information when it is disclosed to us?

In the course of handling Your Information we will:

• record and store Your Information in our paper files, mobile devices and on our computer systems (websites, email, hard drives, cloud facilities) and it will be accessed by employees and consultants within, or contractors engaged, by our Firm as necessary to provide our service to you and to perform any administration tasks associated with or incidental to that service

• submit Your Information to mortgage lenders and/or insurance product providers, both in paper form and on-line via mortgage lender/insurance provider systems, in order to progress any enquiry or application made on your behalf and to deal with any additional questions or administrative issues that mortgage lenders and insurance providers may raise

• input Your Information, along with full details of the mortgage and/or insurance, discussed with you or which you have taken out, to the computer systems of our Network

• use Your Information for the purposes of responding to any queries you may have in relation to any mortgage product or insurance policy you may take out, or to inform you of any developments in relation to those products and/or polices of which we might become aware

Sharing and transferring Your Information

From time to time Your Information will be shared with or transferred to:

• our Network

• to mortgage lenders and insurance providers

• third parties who we believe will be able to assist us with your enquiry or application, or who are able to support your needs as identified, such third parties will include but may not be limited to, product specialists (including those within our Network and other Appointed Representatives of the Network), estate agents, providers of legal services such as conveyancing, surveyors and valuers (in each case where we believe this to be required due to your particular circumstances).

In each case for the purposes set out in this customer privacy notice, i.e. to progress your mortgage and/or insurance enquiry and to provide you with our professional services.

Please note that this sharing of Your Information does not entitle such third parties to send you marketing or promotional messages: it is shared for the purpose of ensuring we can adequately fulfil our responsibilities to you, and as otherwise set out in this Customer Privacy Notice.

These parties may be located in the UK or elsewhere in the world where different privacy laws may apply which may not offer the same level of protection as UK law. We only make these arrangements or transfers where we are satisfied that adequate levels of protection are in place to protect any information held in that country and that the service provider acts at all times in compliance with applicable privacy laws.

The basis upon which our Network will deal with Your Information, Your Special Data and Criminal Disclosures

Our Network is authorised and regulated by the Financial Conduct Authority (FCA). Our Network is responsible for the quality of the advice that we provide to you in relation to your mortgage and/or insurance products, where those products are regulated by the FCA. In the course of doing so, our Network will also process Your Information generally, including Your Special Data and Criminal Disclosures.

In the course of handling Your Information and Your Special Data/Criminal Disclosures our Network will:

• record and store Your Information and Your Special Data/Criminal Disclosures on Network systems run on secure servers. Your Information and Your Special Data/Criminal Disclosures will be accessed by authorised employees and consultants within, or engaged, by the Network as necessary for the purposes of supervision, training, quality audits, customer surveys and complaint handling or otherwise to comply with any other legal or regulatory obligation the Network may have

• use, and where appropriate transmit, Your Information and Your Special Data/Criminal Disclosures to respond to any request from the FCA, the Financial Ombudsman Service, HMRC, the Office of the Information Commissioner or any other regulatory, law enforcement or governmental body

• need to access and process Your Information and Your Special Data/Criminal Disclosures to deal with enquiries received from mortgage lenders and insurance providers that relate to the service this Firm has provided to you, including the payment of any commission or fees to us that may be linked to the product you have taken out.

Your Information and Your Special Data/Criminal Disclosures will be retained by our Network either electronically or in paper format for a minimum of six years and possibly for a longer period where this is required to enable the Network to fulfil its legal and regulatory obligations.

Please note that the above information is a summary of the Network Privacy Policy for customers. If, you wish to understand in more detail what the Network will do with Your Information and Special Data/Criminal Disclosures then please visit the Network Privacy Policy for customers located at https://www.primis.co.uk/index.php/terms-and-conditions/

Security and retention of Your Information

Your privacy is important to us and we will keep Your Information secure in accordance with our legal responsibilities. We will take reasonable steps to safeguard against Your Information being accessed unlawfully or maliciously by a third party, accidentally lost, destroyed or damaged.

We also expect you to take reasonable steps to safeguard your own privacy when transferring information to us, such as not sending confidential information over unprotected email, ensuring email attachments are password protected or encrypted and only using secure methods of postage when original documentation is sent to us.

Your Information will be retained by us either electronically or in paper format for a minimum of six years, or if longer than six years, the duration of this Firm’s relationship with you.

Your rights in relation to Your Information

You can:

• request copies of Your Information that is under our control

• ask us to further explain how we use Your Information

• ask us to correct, delete or require us to restrict or stop using Your Information (details as to the extent to which we can do this will be provided at the time of any such request)

• ask us to send an electronic copy of Your Information to another organisation should you wish

• change the basis of any consent you may have provided to enable us to market to you in the future (including withdrawing any consent in its entirety)

How to make contact with our Firm in relation to the use of Your Information

If you have any questions or comments about this document, or wish to make contact in order to exercise any of your rights set out within it please contact:

Karen@karenwalkermortgagesolutions.co.uk

If we feel we have a legal right not to deal with your request, or to action it in different way to how you have requested, we will inform you of this at the time.

You should also make contact with us as soon as possible on you becoming aware of any unauthorised disclosure of Your Information, so that we may investigate and fulfil our own regulatory obligations.

If you have any concerns or complaints as to how we have handled Your Information or Your Special Data/Criminal Disclosures you may lodge a complaint with the UK's data protection regulator, the ICO, who can be contacted through their website at https://ico.org.uk/global/contact-us/ or by writing to Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

Karen Walker Mortgage Solutions

Karen Walker Mortgage Solutions

About Us

AREAS WE COVER

First time buyers / Purchase

First time buyers / Purchase

First time buyers / Purchase

Re-mortgage

First time buyers / Purchase

First time buyers / Purchase

Buy to let

First time buyers / Purchase

Buy to let

Protection

First time buyers / Purchase

Buy to let

OTHER AREAS

Bridging Finance

Bridging Finance

Bridging Finance

Commercial

Bridging Finance

Bridging Finance

Secured Loans

Equity Release

Equity Release

Equity Release

Equity Release

Equity Release

HERE ARE SOME OF OUR CLIENT Reviews

Contact Us

If you need any advice regarding the above areas, please do not hesitate to contact us on the details below. We shall endeavour to get back to you the same working day. We look forward to hearing from you soon!

Better yet, you can always give us a call!

Karen Walker Mortgage Solutions

Hours

Karen Walker Mortgage Solutions

About Us

AREAS WE COVER

First time buyers / Purchase

First time buyers / Purchase

First time buyers / Purchase

Re-mortgage

First time buyers / Purchase

First time buyers / Purchase

Buy to let

First time buyers / Purchase

Buy to let

Protection

First time buyers / Purchase

Buy to let

OTHER AREAS

Bridging Finance

Bridging Finance

Bridging Finance

Commercial

Bridging Finance

Bridging Finance

Secured Loans

Equity Release

Equity Release

Equity Release

Equity Release

Equity Release

HERE ARE SOME OF OUR CLIENT Reviews

Contact Us

If you need any advice regarding the above areas, please do not hesitate to contact us on the details below. We shall endeavour to get back to you the same working day. We look forward to hearing from you soon!

Better yet, you can always give us a call!

Karen Walker Mortgage Solutions

Hours

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