About
Expertise, integrity, client satisfaction.
Three keys, and the reason the business is called what it is. They are not a slogan we reverse-engineered - they are the three things that decide whether somebody recommends you to their friends.
Who you will be dealing with
Three Keys Mortgages is the trading name of Craig Chavez, a registered individual of Capital Finance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority under reference 943805.
You will not be handed to a call centre or a junior after the first conversation. The person who takes your details is the person who chooses the lender, packages the case and answers the underwriter's questions. That is the whole point of using a small firm.
What independent actually means here
We are not tied to any lender. We look across a panel of more than 120 lenders, including several that only distribute through brokers and never appear on a comparison site. We get paid a commission by the lender when a case completes, and we may charge a broker fee depending on complexity - which we tell you in writing, in a specific number, before you commit to anything.
That is the whole commercial arrangement. If a recommendation ever looks like it suits us more than it suits you, ask, and we will show you the working.
How we work
The office is at Midsummer Court on Midsummer Boulevard in Milton Keynes and you are welcome to come to it. In practice most clients never do, because it is faster for everybody if we come to you instead - by phone, WhatsApp, Zoom, Teams or Google Meet, at a time that suits your job rather than ours.
- Documents by photo or PDF. Nothing needs posting.
- Identity verified through an app rather than a branch visit.
- Advisers who work without fixed office hours, including evenings and weekends.
- Clients across the whole of the UK, not just the South East.
None of that is technology for its own sake. It exists so that the answer to "when can you speak" is usually "now".
The number we watch
Most of our clients arrive as a referral from somebody we have already helped. In a trade where the alternative is buying leads, that is the only metric that tells you anything real - and it is why going quiet on somebody for three weeks is not a thing that happens here.
The three keys
What the name means
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Key one
Expertise
Knowing which of 120 lenders reads your particular file most generously. That is a technical skill, it changes constantly, and it is worth real money to you.
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Key two
Integrity
Telling you when the answer is no, when you should wait, and when you do not need us at all. Fees disclosed in writing before you commit, every time.
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Key three
Client satisfaction
You always know which stage you are in and what we are waiting for. The stress in a mortgage is mostly silence, and silence is entirely avoidable.
In their words
What clients said afterwards
Craig is an excellent advisor. Makes the mortgage maze a LOT easier, doesn't beat about the bush and keeps you informed through the whole process. I would have no hesitation recommending him.
I can't recommend Three Keys highly enough. They have made the whole process of buying and moving house so much less stressful.
Beyond the mortgage
The rest of the move, arranged too.
Insurance and protection, conveyancing, surveys and valuations, removals and wills. One point of contact instead of five, which is worth more than it sounds at the point where three things are happening at once.
Not all of these services are regulated by the Financial Conduct Authority.
Start here
Fifteen minutes, and you will know where you stand.
No cost, no obligation and no hard sell afterwards. If we cannot help, we will say so and point you at whoever can.
- The first conversation is free
- No credit check, no hard search
- A reply within one working day
Prefer to talk now? Call 0333 339 7301 or email [email protected].