Independent · Whole of market · FCA-regulated
We search 120+ lenders, handle the paperwork, and talk to you like a human — first home, next home, remortgage or buy-to-let. Straight answers, best available rate, least possible stress.
Different doors need different keys. Pick yours — the advice is tailored from the first call.
Deposits from 5%, agreements in principle, and what lenders actually check — explained before you make an offer, so nothing surprises you after.
Port your current deal or start fresh? We run both sums side by side and time the move so you’re never paying two mortgages longer than you must.
When your fix ends you land on your lender’s standard variable rate — often 2–3% higher. Six months before that date is the moment to act. We watch it for you.
Investment property plays by different rules to your own home: bigger deposits (usually 25%), rent-based affordability, and a 5% stamp duty surcharge. We run both sides — personal vs. limited company too.
The same first-pass sums we run in an initial chat. Free, instant, and no email needed — that’s the point.
Interest-only would be £—/month. Total repaid over the term: £—.
Rates move weekly.
With your deposit, that’s a budget of roughly £—. Most lenders offer 4–4.5× income; some stretch to 5× or more with the right profile.
Self-employed or bonus-heavy income? That range can move a lot.
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Limited company vs. personal changes the whole sum.
Quick estimates, not advice or an offer. Stamp duty figures are for England & Northern Ireland (rates from April 2025); Scotland and Wales use different systems. Your actual borrowing depends on a full affordability assessment.
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Deposit to keys in plain English: what lenders check, what it all costs, the traps to avoid, and a timeline you can actually plan around. Written by an advisor, not a marketing team.
A real sequence — this is the order it happens in.
Your situation, your goal, no forms. You’ll leave knowing what’s realistic.
120+ lenders compared on rate, fees and criteria that actually fit you.
Paperwork, chasing, negotiating — handled. You stay informed, not buried.
And we diary your rate-end date, so the next deal finds you — not the other way round.
Because three things unlock every good mortgage outcome — in this order.
Whole-of-market access and the criteria knowledge to know which lender says yes — including self-employed, complex income and imperfect credit.
Fees discussed up front. Advice you can hold us to. If the best answer is “wait” or “stay put”, that’s the advice you’ll get.
Most of our work comes from referrals and returning clients. That only happens when the first two keys turn properly.
Three Keys Mortgages is led by Craig Chavez, an FCA-registered mortgage advisor based in Milton Keynes, working with clients across the whole UK by phone and video. Say hello →
Yes — most lenders start at 5% for residential purchases, though 10%+ opens better rates. Buy-to-let usually needs 25%. Gifted deposits from family are fine with most lenders; we’ll show you the paperwork they need.
No — it just needs the right lender. Typically 1–2 years of accounts or tax calculations; some lenders work from the latest year alone. This is one of our specialities.
Usually, yes. Specialist lenders exist for CCJs, defaults and past arrears. The honest answer depends on how recent and how large — a 15-minute chat will tell you where you stand.
We may charge a broker fee depending on the complexity of your case — always discussed transparently before you commit to anything, never a surprise on completion.
Typically 2–4 weeks from a complete application to offer. We keep the file moving and keep you updated at every step.
All of the UK. Our office is in Milton Keynes, and most clients work with us by phone and video from wherever they are.
Fifteen minutes, no obligation, no jargon. Tell us where you’re at and we’ll tell you what’s realistic — including if the honest answer is “not yet”.