CIK Finance is an FCA-regulated mortgage broker based in West Northamptonshire, NN11 4GQ, specialising in Buy-to-Let, First Time Buyers, Portfolio and 2 other areas. Rated 5/5 from 54 reviews.
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Meet our experienced team of mortgage professionals
Craig Barrett
24 Feb 2026Fantastic from start to finish. Kieran and Kate were incredibly professional and took the time to look at all available options in detail, explaining everything clearly and honestly. Advice options were tailored to my circumstances, which made a huge difference. They completely took the stress out of getting a mortgage and made the whole process fairly easy. I wouldn’t hesitate to recommend Kieran and Kate at CIK to anyone looking to get a mortgage - thank you again!
Katie Atkin
5 Nov 2025Honestly the most efficient mortgage application and advice we have come across. Kieran and team are super easy to contact, personable and are able to walk you through all possible scenarios. Their approach makes others look slow and outdated! Could not recommend CiK enough.
asma mamand
22 Sept 2025What can I say the service is fantastic, Kieran is very prompt with getting a response back at the earliest. He really goes out of his way to help and explain things, definitely recommend them. I have passed his recommendation to family and friends and they have had great successful experience in getting a remortgage and Morgage to purchase their dream home. CIK are the best.
Basit Mahmood
22 Sept 2025I couldn't recommend Kieran more highly. He helped me secure my first mortgage, which was a daunting process, and has since guided me through two remortgages. Throughout it all, he has been exceptionally thorough, incredibly available (which is so important!), and genuinely good at what he does. He makes complex things simple and has always had my best interests at heart. It’s rare to find someone you can trust so completely with such a big financial decision. A five-star professional, without a doubt.
Samantha Maitland
19 Sept 2025We have had nothing but a great experiencing using Kieran at CIK finance to help us with our current remortgage (incorporating our help to buy loan). Nothing is too much trouble at all, communication is good and we really feel like he will go the extra mile to help us with any questions we might have. He is very experienced and knowledgeable and we really trust his advice. Highly recommend :)
No memberships listed.
Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.
The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.
UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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