What We Do
Find out more about the services we offer
About Us
Ellex Financial Solutions, based in West Malling, Kent, provides expert advice on residential and buy-to-let mortgages, alongside essential protection including life insurance, critical illness cover, income protection, and home insurance.
As Owner and Director, I have worked within the financial services industry since 1985. I understand that mortgages and insurance can feel overwhelming; my goal is to remove the stress and hassle, making the application process faster and more straightforward for you. With decades of experience, I offer a highly personalised service tailored to your unique needs.
At Ellex, our mission is to empower you to make informed decisions that lead to lasting financial security. I am proud of the reputation I have built and remain dedicated to helping families and individuals achieve their homeownership dreams.
If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances.
You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.
Testimonials
What our customers have to say about us
Frequently Asked Questions
What is a mortgage?
A mortgage is a loan you use to buy a home. You pay it back over time, plus interest.
How much can I borrow for a mortgage?
It depends on your income, credit score, and the lender's policies. Typically, it's around 3-5 times your annual income.
What's a deposit payment?
A deposit payment is the initial payment you make when buying a house. It's a percentage of the home's price, the minimum deposit is usually around 5% (depending on your circumstances).
What's the difference between fixed and adjustable-rate mortgages?
A fixed-rate mortgage has a constant interest rate, while an adjustable-rate mortgage's rate can change over time.
How long can a mortgage last?
Most mortgages are 15 or 30 years, but you can find other terms too.
How can I improve my mortgage approval chances?
Pay bills on time, save for a deposit, and maintain a good credit score.
What's a pre-approval vs. pre-qualification?
Pre-qualification is an estimate; pre-approval is a firm offer from a lender, showing how much you can borrow.
Can I pay off my mortgage early?
Yes, you can make extra payments or refinance to pay it off faster.
What happens if I can't make my mortgage payments?
Contact your lender ASAP. They may offer options like loan modification or forbearance to help you during tough times.
Get In Touch
Main Office
Kings Hill
West Malling
Kent