Benjamin Kistell
Mortgage & Protection Specialist
Benjamin advises clients across residential and buy-to-let mortgages, taking the time to understand each situation and find the right lender. His proactive, detail-focused style means clients are kept informed at every stage, from first conversation through to completion.
Specialisms
Articles by Benjamin Kistell
1 February 2026
Buy-to-Let Tax Changes in 2026: What Landlords Need to Know
Stay up to date with the latest buy-to-let tax changes affecting landlords in 2026. Stamp duty surcharges, mortgage interest relief, and more.
15 January 2026
How Much Deposit Do You Need for a First-Time Buyer Mortgage?
A comprehensive guide to first-time buyer mortgage deposits in the UK. Learn about minimum deposits, how to save, and schemes that can help.
10 December 2025
What Is Development Finance? A Complete Guide for 2025
How development finance works for property conversions, new builds, and renovation projects. Costs, stages, and how to secure funding.
20 November 2025
Latest Remortgage Deals 2025: Rates, LTV Options, Fees & How to Choose the Best Deal
Explore today’s most competitive remortgage deals, including fixed rates, LTV bands, fee-free products, cashback incentives and tracker options. Learn how lenders assess pricing and how to secure the right deal for your situation.
30 October 2025
Temporary Contractor Mortgages: Essential Guide 2025
Temporary contractor mortgages can expand your funding options. Learn essential strategies to secure the financing for your projects. Read more!
10 October 2025
Pub Mortgages what are they and how they work: Guide 2025
Pub Mortgages, how can it be tailored to your business needs? Discover key tips and insights to help you navigate the process.
1 October 2025
Portfolio Mortgages for Landlords in 2025: Navigating the PRA Rules
Own four or more buy-to-let properties? Learn how portfolio landlord rules affect your mortgage applications, what lenders look for, and how to prepare.
15 September 2025
Guide to Remortgaging When Self Employed: Best Guide 2025
Navigate the process of remortgaging when self employed. Essential tips and insights to secure the best deal. Read more to get started!
12 September 2025
Right to Buy Mortgages: Comprehensive Guide 2025
Right to Buy Mortgages can help you get on the property ladder. Explore the benefits and what to consider before applying. Read more!
5 September 2025
Mortgages for Holiday Let: Essential Guide 2025
Mortgages for holiday let, discover the key factors. Get essential tips and insights to navigate the process effectively. Read more!
2 September 2025
Refurbishment Mortgages: Complete Guide 2025
Refurbishment Mortgages in 2025. Discover key tips and insights to help you navigate the process in 2025
10 August 2025
Ltd Company Buy-to-Let Mortgages Explained: SPV Structures for Landlords
Should you buy your next rental property through a limited company? Learn about SPV mortgages, tax benefits, lender criteria, and key considerations.
8 August 2025
Land Mortgages what are they and how they work: Guide 2025
Land Mortgages, how can it be tailored to your business needs? Discover key tips and insights to help you navigate the process.
28 June 2025
The Essential Guide to HMO Mortgages: Property Guide 2025
Discover how HMO mortgages can enhance your property investment strategy. Learn key insights and practical tips to navigate the funding process. Read more!
2 June 2025
Best Guide to Auction Finance for Property Purchases 2025
Discover key strategies for auction finance and make informed investment decisions. Read the essential guide for savvy property investors now!
30 May 2025
Can You Remortgage to Buy a Second Home? Best Guide 2025
Explore the ins and outs on how to remortgage to buy a second home. Understand the process and key considerations. Read the article for essential insights!
15 May 2025
Mortgages for Limited Company Directors: Essential Guide
Mortgages for limited company directors discover key essentials. Get practical tips and essential guidance for your mortgage journey. Read more!
12 May 2025
Let to Buy Mortgages. What They Are and How They Work
Let to Buy Mortgages, discover key insights. Learn the essentials to make informed investment decisions. Read more!
10 May 2025
Buy-to-Let Repayment Mortgages: Essential Guide 2025
Buy-to-Let repayment mortgages. Find out if it’s the right investment choice for you. Read more to make an informed decision!
18 April 2025
Top Joint Borrower Sole Proprietor Mortgages Explained
Joint borrower sole proprietor mortgages, their benefits, and comparisons to make informed financial decisions. Read more now!
15 April 2025
How to Remortgage an Unencumbered Property
Own your home outright? Learn how to remortgage an unencumbered property to release equity, fund renovations, or invest. Guide from Option Finance.
10 April 2025
Commercial Mortgages for Care Homes: A Practical Guide 2025
Explore essential insights on securing commercial mortgages for care homes. Learn practical steps to navigate financing challenges effectively. Read more!
10 March 2025
Essential Guide to Contractor Mortgages: Top Tips 2025
Discover how contractor mortgages can expand your funding options. Learn essential strategies to secure the best financing for your projects. Read more!
25 February 2025
Buy to Let Mortgage on New Build Property: Essential Guide
Buy to Let mortgage for new build property, discover key insights. Learn the essentials to make informed investment decisions. Read more!
18 February 2025
Can You Have More Than One Mortgage? All you need to know
Learn if you can have more than one mortgage, how lenders assess multiple loans, and tips to manage repayments safely and effectively.
15 January 2025
Essential Mortgage Jargon A-Z: Your Guide to Key Terms Made Simple
Navigate the mortgage process with confidence. Understand essential terms and simplify your home buying journey. Read the article for clear insights.
12 January 2025
Buy-to-Let Mortgages Explained: The Complete UK Guide
Everything you need to know about buy-to-let mortgages in the UK. Eligibility, deposit requirements, interest rates, and how to apply successfully.
Talk to our mortgage specialists