BTK Mortgage Services
Mortgages · Next-Time Buyer

Next-Time BuyerSelling and buying together? We plan the chain, the equity and the timing.

How we help

The next-time buyer story.

Moving up the ladder means juggling a sale, a purchase and a chain. We coordinate the finances so the timing works — releasing your equity wisely and keeping your monthly payments comfortable.

  • Porting vs. new deal — we compare keeping your current mortgage against switching
  • Equity release from your sale planned into the new purchase
  • Chain-friendly timelines agreed with lenders up front
  • Protection reviewed so the bigger home stays protected

First call to keys

Three steps.

A first chat — no obligation

Tell us your plans in plain English. We'll tell you honestly what's possible — no jargon, no pressure.

Research & recommendation

We search 90+ UK lenders, agree our fee in writing up front, and present the options that genuinely fit.

Application to keys

We handle the paperwork, chase the lender, and keep you updated by phone, email or WhatsApp — your choice.

Talk it through

Talk it through with a human.

A no-pressure chat about your next-time buyer plans. One honest fee, agreed up front.

Get in touch

Your home may be repossessed if you do not keep up repayments on your mortgage.

BTK Mortgage Services is a trading name of Kingston Mortgage Services Ltd, an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd, which is authorised and regulated by the Financial Conduct Authority. Kingston Mortgage Services Ltd — Financial Conduct Authority Firm Reference Number 463852. You can verify these details on the Financial Conduct Authority register at register.fca.org.uk.

Typically we charge a mortgage fee of £493 for standard mortgages and re-mortgages but can charge up to 2% of the mortgage amount. The fee will be agreed up front before any advice is given, and is payable on application. We also receive commission from the mortgage lender. For protection products, we are paid by commission from the insurance provider — no fee is charged to you.

Ashley House, 136/138 The Broadway, Tolworth, Surrey, England, KT6 7JD. Company number 05628948. Registered in England and Wales.

The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

© 2026 BTK Mortgage Services. All rights reserved.