There can be few more frustrating experiences than when your bank turns you down for a mortgage.

You may have saved your money with your local branch from an early age, putting away a little bit every month.

But when it comes to the crunch and you need a loan or mortgage, your bank says no.

That’s where Neil Kefford, aka The Mortgage Man can help.

Kefford has helped many of his clients who have struggled to get financing from high street banks to secure mortgages and loans.

In one case, a couple came to him after they were turned down for a mortgage by their bank.

They had taken out five credit cards and were over the limit on four of them, as well as exceeding the overdraft limit on two bank accounts, while the man had a County Court judgement against his name.

Despite this, after working his contacts, Kefford was able to secure a two-year fixed mortgage for the couple.

That will give him the time to sort out his personal finances at the same time as maintaining an affordable mortgage.

“Due to the cost-of-living crisis, increasingly people are getting into more debt and are using unsecured borrowing to pay it off, which can make obtaining a mortgage from the traditional high street lenders more difficult,” said Kefford. “But, with my contacts, I can help them to secure a mortgage.”

With a BA Hons in financial services and having worked in the mortgage industry for the past eight years, Kefford launched his own business in November 2024 to help people arrange their mortgages.

Kefford’s tagline of non-nonsense, simple, uncomplicated mortgage advice, rings true, making the process of securing a mortgage as straightforward and stress-free as possible.

Tailoring his guidance to clients’ financial needs, he has helped them to reduce not only their mortgage and borrowing costs, but also to improve their overall financial situation.

Kefford can help everyone from first-time buyers to those looking to remortgage or buy-to-let.

A key advantage is that he has access to the entire mortgage market, thus helping to find clients the best deal that they qualify for and, ultimately, saving them time, effort and disappointment.

Based in Birchington in Kent, Kefford, who has a wife and two boys, provides his services across the county and offers the flexibility of face-to-face or online meetings, or phone calls, depending on the client’s preference.

For more information or to book an appointment, call 07770 273796, email neil@themortgageman.org.uk or visit www.themortgageman.org.uk.