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KMD Financial Planning LLP - Hartley, Kent
Independent Financial Adviser
in Dartford
Chartered, independent financial planning for Dartford - from a first mortgage to a first proper look at your pensions.
CharteredIndependentFCA RegulatedFree initial consultation
Chartered Financial Planner
Awarded by the Chartered Insurance Institute for advanced qualifications and ethical practice
Whole-of-market
Not tied to any provider, insurer or lender - every recommendation is independent
FCA regulated
Authorised and regulated by the Financial Conduct Authority (ref. 1032694)
Transparent fees
All costs confirmed in writing before any work begins - no surprises
Financial advice in Dartford
Where the early decisions matter most
Dartford sits where Kent meets London - the Crossing and the M25 on one side, the rail links and Ebbsfleet International on the other. It’s a town a lot of people move to in order to buy: often a first home, often a new build, and often at the point where two sets of finances stop being separate arrangements and become one.
That makes the early questions the important ones. How much you can genuinely borrow, rather than what an online calculator suggests. Whether a new-build incentive is worth what it appears to be worth. What a five-year fix actually commits you to if your circumstances change inside it. And whether the life cover bundled with the mortgage would do what you assume, in the situation you took it out for.
Then there’s the one that gets postponed for a decade: the two or three workplace pensions left behind at previous employers, quietly invested in whichever default fund applied at the time. Consolidating isn’t always the right answer - but knowing what you hold, and what it’s costing you, generally is. That’s the starting point for most pension conversations.
Why choose KMD Financial Planning
- Chartered status - awarded by the Chartered Insurance Institute, reflecting rigorous technical knowledge and a commitment to ethical practice.
- Truly independent - not tied to any provider, panel or insurer. Every recommendation is assessed whole-of-market based solely on what is right for your circumstances.
- Transparent fees - all charges are confirmed in writing before any work begins. No hidden costs, no surprises.
- Personal approach - you work directly with Kris Dabner throughout, not passed between advisers or call centres.
- Free initial consultation - your first conversation carries no cost or obligation. We confirm how we can help before any fees are discussed.
Services available in Dartford
How we can help Dartford clients
As an independent Chartered Financial Planner, every recommendation is whole-of-market and tailored to your goals - not tied to any provider or product range.
Pension & retirement
Personalised retirement planning and pension consolidation, drawdown and annuity advice.
Investment planning
Evidence-based, whole-of-market investment strategies aligned to your goals and risk attitude.
Mortgage advice
Whole-of-market mortgage advice for first-time buyers, home movers and remortgages.
Estate planning & IHT
Strategies to protect your estate, reduce inheritance tax and pass wealth on efficiently.
Protection & insurance
Life insurance, critical illness and income protection tailored to your circumstances.
Investing for children
Junior ISAs and long-term investment solutions to give children a strong financial start.
New build purchases
Buying a new build around Dartford and Ebbsfleet
A large share of purchases here are new build, and they come with quirks worth understanding before you commit.
Offer deadlines and mortgage validity
Developers frequently want exchange inside a set window, while a mortgage offer has its own expiry. On a plot that isn’t finished, those two clocks don’t always line up.
Incentives are part of the price
Contributions towards deposit, fees or fittings can be genuinely valuable, but they may affect how a lender views the purchase price. It’s worth knowing that before you rely on the figure.
Leasehold and estate charges
Service and estate management charges on new developments are an ongoing cost, not a completion cost. They belong in the affordability conversation from the start.
Mortgage advice
Mortgage adviser and broker in Dartford, from first flat to family home
Most of the people we help in Dartford are near the start: a first purchase in the town or around Ebbsfleet, or the first move up a few years later. As a mortgage broker, we compare lenders across the market at each step.
How much can you borrow?
Most lenders cap borrowing at around four and a half times income, with some going further for higher earners, but the affordability check on your outgoings decides the final figure. Student loans, car finance and childcare all count. Our borrowing calculator gives a starting point, and we can check what individual lenders would actually offer.
Your first move up
If you are still inside an early repayment charge period, you may be able to take your current deal with you to the new home, known as porting, and borrow the extra on a separate deal. Whether that beats paying the charge and starting again depends on the numbers, so we work it out both ways.
Remortgaging
A new deal with your current lender is quick, but it is only worth taking if it stands up against the wider market. We check both a few months before your rate ends.
More on how we work: mortgage advice in Kent.
Common questions
Financial advice in Dartford: common questions
We’re first-time buyers. When should we speak to someone?
Earlier than most people do - ideally before you start viewing. Knowing your realistic budget, and having it evidenced, makes you a stronger buyer.
Do you charge for mortgage advice?
All fees are confirmed in writing before any work starts, and the first conversation is free. You’ll know the cost before you decide to proceed.
I’ve got old pensions and no idea what’s in them. Can you help?
Yes. Tracing and reviewing what you already hold is usually the first job, and often more valuable than anything new.
Are you a mortgage broker in Dartford?
Yes. We arrange mortgages for first-time buyers, home movers and remortgages in Dartford, Stone, Greenhithe and Ebbsfleet, comparing lenders across the market.
Your adviser
Kris Dabner
Chartered Financial Planner & founder, KMD Financial Planning LLP
Based in Hartley, Kent, I’ve been advising individuals and families across the South East since 2015. I provide fully holistic, whole-of-market advice covering pensions, investments, mortgages, protection and estate planning. Being independent means every recommendation is based solely on what is right for you - with no ties to any provider, insurer or lender.
Chartered Financial Planner
Whole-of-market independent
FCA regulated · ref. 1032694
Advising since 2015
Get in touch
Book your free initial consultation in Dartford
No cost, no obligation. In person or by video call. I’ll confirm within one working day.
- Free 30-minute discovery call
- No obligation to proceed
- In person (Dartford or Hartley) or by video call
- All fees confirmed in writing before work begins
- Response within one working day
Important information
The information on this page is for information purposes only and does not constitute individual financial advice.
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.
The value of investments may fall as well as rise. You may get back less than you originally invested.
Pensions are a long-term investment. You may get back less than you put in. Pensions can be and are subject to tax and regulatory change; therefore, the tax treatment of pension benefits can and may change in the future.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE TAXATION ADVICE.
Please seek regulated financial advice tailored to your personal circumstances.