Erkut Koksal, Mortgage Broker in New Eltham at EK Finance

Erkut Koksal is a mortgage broker at EK Finance, providing structured and responsible mortgage advice across residential and investment property lending. He supports individuals, landlords and limited companies who require clear guidance when arranging property finance.

EK Finance offers advice on residential mortgages, buy-to-let, HMOs, limited company mortgages, bridging finance, second-charge mortgages, and general insurance. Advice is delivered in accordance with current UK regulatory standards and based on each client’s financial position and objectives.

Erkut speaks both English and Turkish, supporting clients who may prefer to discuss their mortgage arrangements in their native language.

Mortgage Advice Tailored to Your Circumstances

Choosing a mortgage broker involves more than comparing rates. Erkut takes time to understand your income structure, credit profile, long-term plans and property goals before making any recommendation.

Advice is based on:

• Affordability and verified income
• Current UK lender criteria
• Property type and intended use
• Suitability for your financial objectives

Where appropriate, options from a panel of lenders are considered. All recommendations are subject to lender underwriting and approval.

Areas of Advice

• Residential Mortgages: Support for first-time buyers, home movers and clients purchasing a new main residence. Advice includes repayment options, fixed- and variable-rate structures, and lender criteria.
• Buy-to-Let and HMO Mortgages: Guidance for landlords purchasing or refinancing single let or HMO properties. Lending is assessed against rental income, stress testing and property suitability. Tax treatment depends on individual circumstances and may change.
• Limited Company Mortgages: Advice for property investors operating through a limited company structure. Lender requirements vary depending on company setup, director profile and portfolio size.
• Bridging Finance: Short-term lending solutions for time-sensitive purchases, auction properties or chain breaks where appropriate. Bridging finance carries risk and requires a clear repayment strategy.
• Second-charge mortgages: Options for homeowners seeking to raise capital while retaining their existing first-charge mortgage. Suitability depends on affordability and overall financial commitments.
• General Insurance: Advice on insurance solutions designed to protect property and financial commitments, including buildings and contents cover where required.

How the Process Works

Each mortgage journey begins with a detailed fact find. This allows Erkut to assess suitability before recommending any product.

The process typically includes:

• Reviewing income, expenditure and credit commitments
• Explaining mortgage structures and associated costs
• Assessing lender criteria
• Managing communication with lenders and relevant professionals

Clients are encouraged to ask questions throughout. Information is explained clearly to support informed decision-making.

Supporting a Range of Clients

Erkut works with:

• First-time buyers entering the property market
• Landlords expanding or restructuring portfolios
• Limited company investors
• Homeowners reviewing existing mortgage arrangements

Each case is assessed on its own merits. Approval is subject to lender criteria and underwriting.

Location and Availability

Erkut is a mortgage broker in New Eltham and supports clients across London and the surrounding areas. Advice can also be delivered remotely where appropriate.

• Eltham
• Sidcup
• Mottingham
• Chislehurst
• Bromley
• Greenwich

Speak to Erkut Koksal

If you require mortgage advice through EK Finance, you can arrange an initial discussion to review your circumstances and objectives.

Mortgage advice should always be based on suitability, affordability and your longer-term financial plans.