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Home Is Where The Heart Is
Let's Get You There

First Time Buyer Mortgages

Buying your first home should feel exciting – not like decoding an ancient scroll of mortgage mumbo jumbo. All of the mortgage brokers we work with are brilliant at helping first-time buyers understand what’s what. They’ll explain things clearly, help you work out how much you can afford, and walk you through the whole process from deposit to doorstep. No nonsense, no hidden fees – just getting you into your first home with a smile.

Apply Now

First Time Buyer Mortgages

Buying your first home should feel exciting – not like decoding an ancient scroll of mortgage mumbo jumbo. All of the mortgage brokers we work with are brilliant at helping first-time buyers understand what’s what. They’ll explain things clearly, help you work out how much you can afford, and walk you through the whole process from deposit to doorstep. No nonsense, no hidden fees – just getting you into your first home with a smile.

Apply Now

Let’s be honest – the word “mortgage” can make most people’s eyes glaze over quicker than a stale doughnut. But it doesn’t have to.

We’ve teamed up with with a number of brokers around the UK – proper good eggs who actually listen, explain things in plain English, and help you find a deal that works for you. Not your bank. Not some faceless algorithm. You.

Whether you’re buying your first place, moving house, or remortgaging to free up some cash – these are the people you want in your corner. No faff. No fluff. Just smart advice from people who’ve got your back.

So when you apply with us, you’re not just sortin’ your own future – you’re giving someone else a brighter one too.

Let’s do something good – together.

Apply Now

What You Are Looking To Finance

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First Time Buyer Mortgages

Buying your first home should feel exciting – not like decoding an ancient scroll of mortgage mumbo jumbo. All of the mortgage brokers we work with are brilliant at helping first-time buyers understand what’s what. They’ll explain things clearly, help you work out how much you can afford, and walk you through the whole process from deposit to doorstep. No nonsense, no hidden fees – just getting you into your first home with a smile.

Book An Initial Call

Home Mover Mortgages

Need a bit more room? Whether you’re upsizing, downsizing, or just fancy a change, moving house can feel like a faff. But it doesn’t have to be. The mortgage brokers we work with can help you find the right mortgage for your next step – whether that means porting your current deal, switching to a better rate, or starting fresh. You focus on packing boxes – they’ll sort the rest.

Need a bit more room? Whether you’re upsizing, downsizing, or just fancy a change, moving house can feel like a faff. But it doesn’t have to be. The mortgage brokers we work with can help you find the right mortgage for your next step – whether that means porting your current deal, switching to a better rate, or starting fresh. You focus on packing boxes – they’ll sort the rest.

Book An Initial Call

Remortgages

Feel like your current mortgage deal isn’t working hard enough for you? You’re not alone. A remortgage could save you money, unlock funds for renovations, or give you a bit of breathing space. The team at Kenyon will review your options without any pushy sales tactics – just straight-up advice on what’s best for your pocket.

Feel like your current mortgage deal isn’t working hard enough for you? You’re not alone. A remortgage could save you money, unlock funds for renovations, or give you a bit of breathing space. The team at Kenyon will review your options without any pushy sales tactics – just straight-up advice on what’s best for your pocket.

Book An Initial Call

Lifetime Mortgages

If you’re a bit older and thinking about making the most of the value in your home, a lifetime mortgage might be worth a look. It’s a way to release money tied up in your house without needing to move. But it’s a big decision, and you’ll want someone who explains it properly. Good job, the mortgage brokers we work with specialise in exactly that – real people giving real advice.

If you’re a bit older and thinking about making the most of the value in your home, a lifetime mortgage might be worth a look. It’s a way to release money tied up in your house without needing to move. But it’s a big decision, and you’ll want someone who explains it properly. Good job, the mortgage brokers we work with specialise in exactly that – real people giving real advice.

Book An Initial Call

Secured Loans & Second Charges

Sometimes you might need to borrow a bit more, but don’t want to (or can’t) change your main mortgage. That’s where secured loans and second-charge mortgages come in. The mortgage brokers we work with can help you understand if this kind of top-up lending is right for your needs – and more importantly, if it’s not.

Sometimes you might need to borrow a bit more, but don’t want to (or can’t) change your main mortgage. That’s where secured loans and second-charge mortgages come in. The mortgage brokers we work with can help you understand if this kind of top-up lending is right for your needs – and more importantly, if it’s not.

Book An Initial Call

Mortgage FAQs

With The Mortgage Brokers We Work With

Who provides mortgages through Burnley Savings and Loans?

What is a mortgage, exactly?

What types of mortgages are there?

Can I get a mortgage if I’ve got a low credit score or past financial problems?

How much can I borrow?

Do you offer mortgages that comply with Sharia Law (Halal mortgages)?

What if I’m self-employed? Can I still get a mortgage?

What’s the process of moving house – and what costs should I expect?

Where can my deposit come from – and what will lenders accept?

What documents will I need to apply for a mortgage?

What’s the difference between fixed-rate and variable-rate mortgages?

What does a mortgage broker like Kenyon Mortgages actually do?

What if I want to move before my mortgage deal ends?

Can I overpay my mortgage?

What happens if I miss a payment?

What’s a mortgage in principle (AIP)?

How long does it take to get a mortgage?

What cost are involved in buying a new house?

Book An Initial Call

Mortgage services are provided by Paul Kenyon Financial Services Ltd T/A Kenyon Mortgages and Mortgage Advice Bureau (a trading name of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited)

Paul Kenyon Financial Services Ltd T/A Kenyon Mortgages, is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Kenyon Mortgages, 6 Loganberry Court, Feniscowles, Blackburn, BB2 5JZ. Registered Company Number: 127605338, Registered in England and Wales. The Information on this website is subject to the regulatory regime and is therefore targeted at consumers in the UK.

Mortgage Advice Bureau is a trading name of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. Mortgage Advice Bureau Limited. Registered Office: Capital House, Pride Place, Derby. DE24 8QR. Registered in England Number: 3368205

Mortgage Advice Bureau (Derby) Limited. Registered Office: Capital House, Pride Place, Derby. DE24 8QR. Registered in England Number: 6003803

Burnley Savings and Loans Limited acts as an introducer only to Paul Kenyon Financial Services Ltd T/A Kenyon Mortgages and Mortgage Advice Bureau.

COMMISSION DISCLOSURE: Burnley Savings and Loans Limited will receive a commission every time someone we introduce to Paul Kenyon Financial Services Ltd T/A Kenyon Mortgages receives an offer for a mortgage or Mortgage Advice Bureau. The amount of the commission can vary, but this commission will not effect the amount you pay or the offers you receive.

DISCLAIMER. Your home may be repossessed if you do not keep up repayments on your mortgage. Your property may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
No representations are made as to whether the information is applicable in any other country which may have access to it.

Mortgage services are provided by Paul Kenyon Financial Services Ltd T/A Kenyon Mortgages and Mortgage Advice Bureau (a trading name of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited)

Paul Kenyon Financial Services Ltd T/A Kenyon Mortgages, is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Kenyon Mortgages, 6 Loganberry Court, Feniscowles, Blackburn, BB2 5JZ. Registered Company Number: 127605338, Registered in England and Wales. The Information on this website is subject to the regulatory regime and is therefore targeted at consumers in the UK.

Mortgage Advice Bureau is a trading name of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. Mortgage Advice Bureau Limited. Registered Office: Capital House, Pride Place, Derby. DE24 8QR. Registered in England Number: 3368205

Mortgage Advice Bureau (Derby) Limited. Registered Office: Capital House, Pride Place, Derby. DE24 8QR. Registered in England Number: 6003803

Burnley Savings and Loans Limited acts as an introducer only to Paul Kenyon Financial Services Ltd T/A Kenyon Mortgages and Mortgage Advice Bureau.

COMMISSION DISCLOSURE: Burnley Savings and Loans Limited will receive a commission every time someone we introduce to Paul Kenyon Financial Services Ltd T/A Kenyon Mortgages receives an offer for a mortgage or Mortgage Advice Bureau. The amount of the commission can vary, but this commission will not effect the amount you pay or the offers you receive.

DISCLAIMER. Your home may be repossessed if you do not keep up repayments on your mortgage. Your property may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
No representations are made as to whether the information is applicable in any other country which may have access to it.

Get Fairer Finance Today &
Help Us To Give More By Applying Below

Get Fairer Finance Today &
Help Us To Give More By Applying Below

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Get Fairer Finance Today &
Help Us To Give More By Applying Below

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Help Us To Give More By Applying Below

BANK OF DAVE
TAKES THE STAGE
TAKES THE STAGE
BAnK OF DAVE
LEARN MORE ABOUT THE MOVIES AND THE REAL EVENTS & REAL PEOPLE THAT INSPIRED THEM

Our Story

When the big banks turned their backs on hard-working people after the financial crisis, Dave Fishwick decided to do something about it . In 2011 he founded Burnley Savings and Loans with one radical idea at its heart: finance should be fair for everyone, and every penny of profit should go to good causes . He proved that a bank could lend to local people on decent, common-sense terms and still make a positive difference in the community .

What do we mean by “fair” finance? For Dave, fair finance means always putting people before profit. It means we work with a range of partner lenders to find you the best deal we can – if one of them can offer a better rate or a more suitable loan than we can, we’ll make sure you get that option . It also means doing everything we can to help more folks get approved for loans that are affordable and responsible, rather than leaving people with nowhere to turn. And “fair” isn’t just a slogan – it’s a promise that we give back to the community. We don’t pocket the profits ourselves; every pound we earn is donated to local charities and good causes to help others . In short, Dave’s approach is about doing what’s right for you, the customer, every single time.

Since then, this fair approach to finance has helped thousands of people across the UK, showing that banking can put people first. Dave’s mission has even inspired the Netflix “Bank of Dave” films and sparked a growing movement of ethical lenders fighting for real change in the financial world . As Dave himself puts it, we have a duty to act in the very best interests of our customers at all times – proving that finance can be fair, and that when you “Bank on Dave,” you’re banking on something better for everyone.

When the big banks turned their backs on hard-working people after the financial crisis, Dave Fishwick decided to do something about it . In 2011 he founded Burnley Savings and Loans with one radical idea at its heart: finance should be fair for everyone, and every penny of profit should go to good causes . He proved that a bank could lend to local people on decent, common-sense terms and still make a positive difference in the community .

What do we mean by “fair” finance? For Dave, fair finance means always putting people before profit. It means we work with a range of partner lenders to find you the best deal we can – if one of them can offer a better rate or a more suitable loan than we can, we’ll make sure you get that option . It also means doing everything we can to help more folks get approved for loans that are affordable and responsible, rather than leaving people with nowhere to turn. And “fair” isn’t just a slogan – it’s a promise that we give back to the community. We don’t pocket the profits ourselves; every pound we earn is donated to local charities and good causes to help others . In short, Dave’s approach is about doing what’s right for you, the customer, every single time.

Since then, this fair approach to finance has helped thousands of people across the UK, showing that banking can put people first. Dave’s mission has even inspired the Netflix “Bank of Dave” films and sparked a growing movement of ethical lenders fighting for real change in the financial world . As Dave himself puts it, we have a duty to act in the very best interests of our customers at all times – proving that finance can be fair, and that when you “Bank on Dave,” you’re banking on something better for everyone.

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Years fighting for you

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Years fighting for you

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Million in affordable loans

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Million in affordable loans

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Businesses helped

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Businesses helped

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Good causes supported

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Good causes supported

Get Fairer Finance Today &

Help Us To Give More By Applying Below

Get Fairer Finance Today &

Help Us To Give More By Applying Below

Why We Do This
WHERE OUR PROFITS GO

Why We Do This
WHERE OUR PROFITS GO

I sent an email asking for help to release me from being a mortgage prisoner. I didn't expect a response but to my surprise I was contacted by a Mortgage Avisor called James Adamson. James turned out to be my Knight in shining armour. He secured a Mortgage for me with Principality Building Society which has now completed and I am released from an interest only Mortgage. How I wish I had contacted the Bank of Dave sooner.

Margaret Ward

Helping real people obtain fair-rate loans that give back to society

Save yourself money. Help save and improve the lives of others.

Drone shot of a running track at night

Helping real people obtain fair-rate loans that give back to society

Save yourself money. Help save and improve the lives of others.

Drone shot of a running track at night

Helping real people obtain fair-rate loans that give back to society

Save yourself money. Help save and improve the lives of others.

Drone shot of a running track at night

Burnley Savings and Loans Limited is authorised and regulated by the Financial Conduct Authority (FRN: 717019).

We act as a credit broker and a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase, We will only introduce you to these lenders. We will receive a commission payment from the finance provider if you decide to enter into an agreement with them. Your interest rate is determined by several factors such as the age of the vehicle, the amount you borrow and the terms of the agreement. These factors may affect the commission we receive from the lender for any agreement that is entered. We will provide customers with a written breakdown of any commission paid by the lender prior to a signing of the credit agreement, which you will acknowledge the presence thereof.

Rates from 10.9%: The actual APR offered is subject to status and is based on your individual circumstances on application. Representative example: Borrowing £7,500.00 over 4-years with a representative APR of 22.1%, the amount payable would be £224.38 per month, with a total cost of credit of £3,270.24 and a total amount repayable of £10,970.24.

If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.

Registered in England and Wales. Company number 7640762

Burnley Savings and Loans Limited is authorised and regulated by the Financial Conduct Authority (FRN: 717019).

We act as a credit broker and a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase, We will only introduce you to these lenders. We will receive a commission payment from the finance provider if you decide to enter into an agreement with them. Your interest rate is determined by several factors such as the age of the vehicle, the amount you borrow and the terms of the agreement. These factors may affect the commission we receive from the lender for any agreement that is entered. We will provide customers with a written breakdown of any commission paid by the lender prior to a signing of the credit agreement, which you will acknowledge the presence thereof.

Rates from 10.9%: The actual APR offered is subject to status and is based on your individual circumstances on application. Representative example: Borrowing £7,500.00 over 4-years with a representative APR of 22.1%, the amount payable would be £224.38 per month, with a total cost of credit of £3,270.24 and a total amount repayable of £10,970.24.

If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.

Registered in England and Wales. Company number 7640762

Burnley Savings and Loans Limited is authorised and regulated by the Financial Conduct Authority (FRN: 717019).

We act as a credit broker and a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase, We will only introduce you to these lenders. We will receive a commission payment from the finance provider if you decide to enter into an agreement with them. Your interest rate is determined by several factors such as the age of the vehicle, the amount you borrow and the terms of the agreement. These factors may affect the commission we receive from the lender for any agreement that is entered. We will provide customers with a written breakdown of any commission paid by the lender prior to a signing of the credit agreement, which you will acknowledge the presence thereof.

Rates from 10.9%: The actual APR offered is subject to status and is based on your individual circumstances on application. Representative example: Borrowing £7,500.00 over 4-years with a representative APR of 22.1%, the amount payable would be £224.38 per month, with a total cost of credit of £3,270.24 and a total amount repayable of £10,970.24.

If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.

Registered in England and Wales. Company number 7640762