Your Key to great mortgage and family protection advice.
Helping people with all their mortgage and family protection needs, from finding the right deal to making sure your loved ones are covered, we’re here to guide you every step of the way.
Great advice delivered in a way that suits you.
At KeyFS, everything starts with you, your goals, your circumstances, and what really matters to you. Our experienced advisers take the time to listen and understand, so we can tailor financial solutions that truly fit. It’s a simple approach, but it works, because it’s built around you.
Face to face Meeting
We pride ourselves on our face to face approach. In fact, meeting people to discuss mortgages is what we love to do the most. We offer the flexibility to hold appointments at our offices, your work, home or anywhere that suits you.
Telephone appointment
We’re always happy to speak over the phone in fact, it’s one of the easiest ways to get the advice you need without disrupting your day. Whether you’re at home, at work, or on the move, we’ll arrange a telephone appointment at a time that suits you.
Send in your enquiry
Prefer to send a message? No problem. Just let us know what you’re looking for using our contact page and one of our friendly advisers will be in touch. Whether it’s a quick question or you’re ready to get started, we’re here to help when it suits you.
Helping clients with their mortgage and family insurance
Whether you’re a first-time buyer taking your first step onto the property ladder, a home mover looking for a smooth transition to your next home, or considering a buy-to-let property as an investment, we’re here to help.
With access to the whole market and advice tailored to your needs, we’ll guide you every step of the way.
Protection (insurance) solutions that reduce risks
No one likes to imagine the worst, but planning for it can make all the difference. Whether it’s your income, your home, or the people you love, having the right protection in place means you won’t face life’s challenges alone.
Start planning if your current mortgage deal ends in more than 6 months.
With SmartSwitch, we monitor the market and track the best deals for you – well before your renewal date. We’ll keep an eye on your current lender and compare it to what other lenders are offering, so when the time comes, you’ll be ready to switch smoothly and save money.
No pressure, no credit checks, just smart planning and expert support every step of the way.
Are you paying to much for you mortage?
Take control of your finances with the right remortgage deal. Whether you’re searching for better rates, approaching the end of your mortgage term, or looking to release equity, we’re here to guide you through the process and find the solution that fits your needs.
A whole of market adviser
Unlike some advisers who can only recommend products from a single bank or a limited panel of lenders, we have access to the entire mortgage market. This means we can search over one hundred lenders and thousands of products to find the deal that truly suits your needs and circumstances. Being whole of market means you get unbiased advice and a solution that’s tailored to you, not just what one lender happens to offer. Whether you’re buying your first home, moving house, remortgaging, or investing in a buy-to-let, we’re able to compare options side by side and guide you towards the right choice.In short, with KeyFS you’re not tied to one provider — you’re free to benefit from the widest possible choice.
Independent reviews...
At KeyFS, we know how important it is to feel confident when making big financial decisions. That’s why we’re proud to share the experiences of people we’ve already helped.Our clients tell the story best — from first-time buyers taking their first steps, to families moving into their forever homes, and sellers looking for a smooth move. Their feedback highlights the support, guidance, and peace of mind we aim to give every single person we work with.Take a look at what our customers have to say and see how we’ve been able to make a real difference.
Very friendly helpful service, Paul and the whole team.
I can’t express enough how much I appreciate Paul. From start to finish, he’s been professional, patient, and incredibly knowledgeable — guiding me through every step with honesty and care. Nothing was ever too much trouble, and he made what could’ve been a stressful process feel completely seamless. If you’re looking for someone who genuinely has your best interests at heart and will go above and beyond to get you the best outcome, I can’t recommend him highly enough. I wouldn’t go to anyone else!
Paul Gent has been my financial advisor for the last 7 years and is the best in the business. He covers the complete picture around mortgages, insurance products and financial planning based individually on your personal circumstances, where you are today and where you plan to be in the future. I would definitely recommend Paul to friends and family.
Paul is great. He is very knowledgable, and goes through everything with you to make the right choices that best suit you. He also looks around for the right deal for you that you get the most benefit from. Paul is very easy to work with as well, has a great sense of humour and makes you feel at ease when discussing a very important part of life. He also shows interest in your personal life and never forgets the important moments.
Paul is great, always give sound advice and that's why we have been with him for 20+ years and recommended him to lots of friends and family.
Couldn’t be happier! Paul was amazing!!
Paul was very informative and took great care to understand our needs and create a plan that worked for us.
A friendly, very professional and knowledgeable director who is also very well prized by his industry peers. I have been using their service for over eight years and I will continue to doing so. Thank you Paul and the orange team.
We have being coming to Paul for a number of years and wouldn't go to anyone else for mortgage/financial advice. Excellent service and team.
Both Paul & Leah were beyond amazing in dealing with both our mortgage application and our varying different insurance coverage. We were in the rare situation where myself and my family were involved in both the buying and selling and the level of care and detail that was taken from both points of view made us feel valued and looked after from start to finish.
Totally professional. Easy to understand the options. And a great follow up service
Very friendly helpful service, Paul and the whole team.
I can’t express enough how much I appreciate Paul. From start to finish, he’s been professional, patient, and incredibly knowledgeable — guiding me through every step with honesty and care. Nothing was ever too much trouble, and he made what could’ve been a stressful process feel completely seamless. If you’re looking for someone who genuinely has your best interests at heart and will go above and beyond to get you the best outcome, I can’t recommend him highly enough. I wouldn’t go to anyone else!
Paul Gent has been my financial advisor for the last 7 years and is the best in the business. He covers the complete picture around mortgages, insurance products and financial planning based individually on your personal circumstances, where you are today and where you plan to be in the future. I would definitely recommend Paul to friends and family.
Paul is great. He is very knowledgable, and goes through everything with you to make the right choices that best suit you. He also looks around for the right deal for you that you get the most benefit from. Paul is very easy to work with as well, has a great sense of humour and makes you feel at ease when discussing a very important part of life. He also shows interest in your personal life and never forgets the important moments.
Paul is great, always give sound advice and that's why we have been with him for 20+ years and recommended him to lots of friends and family.
Couldn’t be happier! Paul was amazing!!
Paul was very informative and took great care to understand our needs and create a plan that worked for us.
A friendly, very professional and knowledgeable director who is also very well prized by his industry peers. I have been using their service for over eight years and I will continue to doing so. Thank you Paul and the orange team.
We have being coming to Paul for a number of years and wouldn't go to anyone else for mortgage/financial advice. Excellent service and team.
Both Paul & Leah were beyond amazing in dealing with both our mortgage application and our varying different insurance coverage. We were in the rare situation where myself and my family were involved in both the buying and selling and the level of care and detail that was taken from both points of view made us feel valued and looked after from start to finish.
Totally professional. Easy to understand the options. And a great follow up service
We have access to over 100 lenders and 10,000 mortgages, so we can quickly find the deal that’s right for you.
When you speak to your bank, you’ll only hear about their own mortgage products, and that means you might miss out on a better deal elsewhere. At KeyFS, we search the whole market to find the mortgage that’s right for you, not just the one a bank wants to sell you theirs. We take the time to understand your situation, compare options from hundreds of lenders, and explain everything in plain English. Whether you're a first-time buyer, remortgaging, or buying to let, we’re here to give you honest advice, and real choice.
Let's talk...
Your enquiry will be handled by a fully qualified local mortgage and protection adviser, who will be available to speak with you at any time.
Contact us
Why not start things off by answering these 4 quick questions? We’ll then share some useful insights with you, and when the time feels right you can chat with one of our advisers for more personalised guidance.
Frequently asked questions
We’ll help you determine how much income your family would need, how long to cover them for, and whether to combine it with other types of protection.
There is a typical advice fee of £499 for arranging your mortgage. We do not charge a fee for our initial consultations, and we do not charge a fee for arranging any insurances for you.
As mortgage brokers, we search across the whole market, not just one lender, to find the most suitable deal for you. We also help you with the paperwork, liaise with lenders, and support you through every stage of the process. Our advice is personalised, not off-the-shelf.
We provide advice on mortgages, remortgages, buy-to-let, income protection, life cover, critical illness cover, and family protection. Our aim is to offer clear advice that saves you money and gives you peace of mind.
As a representative of The Finance Planning Group we offer award winning Mortgage and Protection advice across the country to clients who are buying property or remortgaging. Over time, we have developed our service to include one of the largest selections of mortgage lenders available from any one source. Using the latest technology, our Mortgage Advisers are able to source the very best mortgages from a choice of over 10000 to just 1, the best one for you.
To work for Key FS our consultants need to demonstrate something special, and over the years we have built the business based on care, expertise and the human touch. Don’t get us wrong, we love a bit of technology, but we also believe in talking to people the old fashioned way.
So there you have it, a modern, established business with one of the biggest selections of mortgages arranged by people who care. As a rule, we avoid jargon, but we do love a coffee and a chat. We look forward to seeing you.