Kerry Santucci CeMAP MLIBF

Senior Mortgage Consultant

DRAKE MORTGAGES LIMITED
Kerry Santucci

About Kerry

Kerry began her career in the financial services industry in 1993. Starting off with advising on general insurance plans moving on to full financial planning in areas such as pensions, savings and investments.

After moving to Kent in early 2000, she then moved in to a 15 year career in Business Development which started with a non-regulated life assurance network dealing with mortgage brokers and IFAs, moving on to her first step in to Mortgages as Business Development Manager for Bank of Scotland in the centre of London then moving on the Offshore side of the business. She also has great experience in the Private Banking sector.

In October 2013 Kerry joined Drake Mortgages Ltd as a whole of market mortgage broker.

Initially advising mainly on residential and buy to let mortgages and latterly extended her experience into the more specialised property finance such as bridging loansregulated bridging loans, self-build mortgages and commercial mortgages.

Kerry enjoys networking and is a member of Gravesend BNI.

Outside of work, she enjoys spending time with her family, socialising as well as running and general fitness. She also loves a good Netflix series!

SPECIALIST AREAS

Kerry provides a highly personalised service to her clients and her areas of expertise are quite wide.

From buying your first home, adding to your investment portfolio or perhaps buying a premises for your business.

Residential Mortgages

Independent advice for people moving home or remortgaging. Experienced in helping first time buyers and self-employed borrowers.

Buy to let Mortgages

Kerry can assist with all types property investment finance including portfolio landlords, let to buy mortgages and limited company buy to let mortgages.

Commercial Mortgages

Expert advice for semi-commercial properties, bridging loans, auction finance and small developments.

Mortgages and divorce

For those going through a separation Kerry offers a discreet and professional service, including Mortgage Capacity Reports and Transfers of Equity.

Written by Kerry Santucci

Can you buy a house with a bridging loan?

Securing your dream home or an ideal investment opportunity often hinges on swift decisions and quick financing. This is where bridging loans step in …

What is a bridging loan usually secured against?

In the UK property market, timing is everything. Whether you’re a homeowner facing a broken chain, an investor spotting a bargain at auction, or …

Bridging Loans and Deposits: A Practical Guide

Bridging loans can be a valuable tool for property buyers who need to move quickly, whether to secure their dream home or capitalise on …

What happens at the end of an interest only mortgage?

If your interest-only mortgage is coming to an end, you’re probably wondering about the next steps. The lender will be expecting their money back, …

How do joint mortgages work?

If you’re considering buying a property, you may have heard about joint mortgages. But what exactly are they, and how do they work? In …

Buying a house on your own: We explain how to do it

Lots of people buy a home without needing a co-buyer. Many mortgage providers are open to lending to individual applicants, provided you can demonstrate …

Self-Employed Mortgages With 2 Years Accounts

If you’re self-employed and have been trading for two years, you might be considering stepping onto the property ladder or upgrading your current home. …

Self-Employed Mortgages With 1 Years Accounts

Welcome to the world of self-employed mortgages. If you are self-employed, then you’re part of a growing demographic in the UK.  As a self-employed …

Can you get a mortgage on a flat above a shop?

Are you considering buying a flat above a shop? If so, you might be wondering about the feasibility of getting a mortgage for such …

Does bad credit affect remortgaging?

Remortgaging can be difficult if you have bad credit. Just like the process of securing a mortgage for the first time, there are plenty …

Do you need a deposit to remortgage?

Remortgaging a house means replacing your existing mortgage with a new one. But is there a requirement to put down a cash deposit because …

Can you get a mortgage using retained profits?

Are you looking for a mortgage that uses your retained business profits? You’ve come to the right place! We understand how important it is …

How is a CIS mortgage calculated?

By using your gross, rather than net, income, CIS mortgages often allow you to borrow more than you might with a traditional mortgage. Plus, …

How to buy someone out of a house

If you own your home with someone else, at some point you may need to consider buying them out, such as in the event …

What can a bridging loan be used for?

A bridging loan, which is also known as a short-term loan, can be used for a number of different reasons. This type of flexible financing …

Switch your mortgage and save money

Could switching your mortgage save you money? Your monthly mortgage payment is likely to be one of your biggest outgoings and making sure you’re …

Calculating the cost of buying your own home

There are quite a few costs to consider when buying your home. Beyond the purchase price, there are a number of additional costs to …

Checklist for buying your first home

Your checklist for all the key stages to get you on the property ladder. ARE YOU LOOKING to buy your first home but not …

Keeping the property chain on track

BUYING OR SELLING A HOME is often claimed to be among the most stressful of life experiences. The process can be lengthy, uncertain and …

How to reduce the stress of applying for a mortgage

Don’t worry, be happy BUYING A NEW home, and taking out a mortgage to do that, is a major, long-term financial commitment. If the …

Five tips to improve your chances of mortgage approval

MANY FIRST-TIME buyers hope to make this year the year they get on the property ladder, thanks to the availability of 95% mortgages But while there’s …

How to deal with Gazumping

Gazumping What is it and how can you avoid it? A POTENTIALLY expensive and disappointing practice that all hopeful homebuyers should be aware of …

What are the different conveyancing stages?

Conveyancing is the term for the legal and administrative process that comes with buying, selling or mortgaging a property or piece of land. There …

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I have enjoyed the benefits of extending my property portfolio with the advice from Norman Phillips and his team. I always trust their solutions and let them deliver the financial strategies needed.

Nicholas Thompson

Wimbledon
Thank you so very much for your help. We have finally completed on our purchase. At last we got there. Your assistance was invaluable.

Rob

Muswell Hill, London N10
Kerry, Dawn and the rest of the team were brilliant. So responsive to communication and held our hand right the way through, even with post completion queries that as first buyers we had no clue about. Kerry was completely non-judgmental and just wanted the best for us. Would recommend Kerry and Drake Mortgages to anyone and we will be back for further help in future I'm sure!

Claire Saunders

Kerry has been an invaluable resource for us not once, but twice over the past five years, assisting us with both our initial mortgage and subsequent remortgage. Kerry's expertise and knowledge are truly commendable.

Ella Green

I had confirmation from the bank yesterday that the funds had been received. Many thanks for all your help

Robin

Essex
I have used Drake Mortgages a number of times over the years. Kerry and Dawn are both highly professional and efficient in the service provided. I have always been pleased with the deals they have been able to source as well as the on hand advice and help available. I would have no hesitation in recommending them.

Alexander Cohen