Looking for Mortgage Advice in Cornwall?
Kernow Mortgages is part of the same wider team as Orton Financial, created specifically to support people buying, moving or remortgaging in Cornwall.
Mortgage Advice in Cornwall, Delivered by Kernow Mortgages
Whether you’re buying your first home, moving, remortgaging or dealing with a more unusual set of circumstances, our Cornwall clients are supported by the team at Kernow Mortgages.
Based in Falmouth at the Maritime Business Centre, Kernow provides friendly, straightforward mortgage advice across Cornwall, with support throughout the process. from understanding what you could afford to completing your application.
First-Time Buyer Mortgages in Cornwall
Buying your first home in Cornwall? We’ll help you understand what’s affordable, secure a strong mortgage offer, and explain every step, without jargon or sales pressure.
Remortgaging Made Simple
Switching deals, unlocking equity, or staying put, we compare thousands of options to help you save money and secure terms that fit your current goals.
Buy-to-Let Mortgages in Cornwall
With high demand for rentals across student towns, holiday hotspots, and commuter zones, we offer smart, locally informed advice for landlords and property investors.
Mortgages for the Self-Employed
Running a business or contracting shouldn’t hold you back. We work with lenders who understand variable or complex income, ensuring you’re assessed fairly.
Adverse Credit and Specialist Mortgages
Had credit issues in the past? Our adverse mortgage advisors work with specialist lenders who look beyond your credit score to find solutions that work for you.
Bridging Loans and Short-Term Finance
Need to move fast on a property chain, auction bid, or time-sensitive purchase? We’ll arrange quick, clear, short-term finance to help you act with confidence.
Why Choose kernow?
We’ve helped hundreds of buyers, homeowners, and investors across Cornwall secure the right mortgage with confidence.
Local Understanding
Deep knowledge of areas like Falmouth, Truro, St Austell, and the Roseland Peninsula
Expertise in Holiday Lets and Coastal Lending
We understand the unique nuances of Cornwall’s housing market
Whole‑of‑Market Access
From high-street to specialist lenders
Stress-Free Service
From start to finish, we handle the paperwork, the follow-ups, and the complexity
Trusted and Regulated
FCA-authorised and proud members of the AMI
A Simple 3-Step Process
1. Tell Us About Your Plans
We’ll have a friendly, no-obligation conversation about what you’re hoping to do, your finances and any concerns you may have.
2. We’ll Find Your Options
We’ll look across a wide range of lenders and explain the most suitable options, including the costs involved.
3. We’ll Handle the Application
Once you’re ready to proceed, we’ll manage your application, speak to the lender and keep things moving through to completion.
Explore Your Mortgage Options Today
We believe choice is power. That’s why we don’t stop at the obvious. Our sourcing system gives you access to over 37,000 mortgage products, including options you won’t find through direct applications.
Whether you’re purchasing your dream home or refinancing an existing property, we’ll build a tailored mortgage strategy around your life.
Mortgage Calculators at Your Fingertips
Not sure how much you can afford or what your repayments might be? Use our intuitive calculators to get clarity before you commit.
- Monthly Repayment Estimators
- Affordability Checkers
- Deposit and LTV Breakdown Tools
FAQ
Do I need a mortgage broker in Cornwall?
Yes, especially if you want tailored advice, access to specialist lenders, or help navigating unique local housing rules (like holiday lets or coastal properties).
Can I get a mortgage with a small deposit?
Yes, options exist from 5% deposit upwards, depending on your credit profile and income.
Why use a broker instead of applying directly?
We give you access to lenders and deals not available to the public, plus guidance that helps avoid rejections and delays.
How much could I borrow?
That depends on your income, outgoings, and lender criteria. We’ll give you a realistic figure upfront.
How long does the mortgage process take?
Typically, 4–6 weeks from application to completion, depending on the lender and solicitor timelines.
Do you charge a fee?
No upfront fees. We’ll only charge if your mortgage completes, and we’ll always tell you the cost in advance.
Are you FCA regulated?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA).