Who Founded Fluent Money and What Is MyFluent Meant to Do?

In the competitive UK property finance space, innovation often stems from understanding the pressing needs of brokers and borrowers alike: speed of completion, transparent pricing, and seamless access to an extensive panel of lenders. Two companies carving a significant place in this sector are Fluent Money and KIS Finance. Alongside platforms like The Loans Engine, these firms are shaping the future of property finance with a robust combination of fintech tools and comprehensive lender access.

Kevin Hindley Fluent Money: The Man Behind the Brand

At the heart of Fluent Money’s success is Kevin Hindley, a seasoned industry professional with a clear vision: to demystify bridging finance and deliver transparency, speed, and efficiency to brokers and borrowers. Fluent Money, founded under his leadership, is designed to offer a straightforward, accessible gateway to bridging loans and other short-term property finance solutions.

Kevin's experience in the property finance sector sheds light on one critical question that every broker–side analyst (myself included) always asks when assessing a deal:

"What is the exit?"

Everything about Fluent Money’s business model, from the structuring of loan products to the digital tools they use, ensures that the exit strategy is clear and viable, aligning with the needs of developers and landlords who rely on these loans.

MyFluent: More Than Just Another Lending Platform

One of Fluent Money’s flagship innovations is the MyFluent fintech platform. Unlike platforms that simply match brokers with products, MyFluent is built to streamline and automate the entire lending journey for bridging finance.

bridging loan for cash buyer

What Does MyFluent Do?

Automated Approvals Tracking: Brokers can monitor the status of loan approvals in real time, avoiding the frustration of chasing updates by phone or email.
Comprehensive Lender Panel Access: Through MyFluent, brokers gain visibility of an extensive panel of lenders – an essential factor when speed of completion is crucial.
Transparent Pricing and Fees: Unlike many competitors, MyFluent breaks down all fees upfront, eliminating hidden costs and ensuring clients and brokers know exactly what they’re signing up for.
Digital Tools Integration: The platform integrates calculators and other valuation tools to support accurate deal structuring.

In essence, MyFluent offers a high level of transparency and efficiency, exactly what experienced brokers and developers demand in the fast-moving bridging loan market.

KIS Finance: Complementing the Market with Powerful Calculators

While Fluent Money focuses on lending and digital workflow, KIS Finance is renowned for its industry-leading bridging loans calculators.

These calculators are crucial for brokers and borrowers aiming to assess deal viability before submission. They incorporate:

Accurate interest rate estimates and repayment schedules
Fee breakdowns including arrangement, valuation, and legal fees
Multiple scenario comparisons for refinance, purchase, or development loans

The KIS Finance bridging loans calculator aids in planning and managing client expectations by providing an upfront, crystal-clear financial picture – essential to avoiding overpromising on completion times and obfuscation with vague “from” rates that so often plague the market.

How Fluent Money and KIS Finance Work Together

Although separate businesses, Fluent Money and KIS Finance complement each other perfectly. Brokers can use KIS Finance’s calculators during pipeline assessments and then seamlessly switch over to Fluent Money’s MyFluent fintech platform for digital application and tracking of approvals.

This integrated approach means:

Fewer surprises with fees and timings
Faster access to lenders from a broad panel
Improved loan structuring based on validated data

The Role of The Loans Engine in the Broader Ecosystem

Another notable player is The Loans Engine, a fintech platform designed to increase transparency and efficiency for unsecured personal loans and bridging finance alike. Its technology and approach have inspired platforms like MyFluent to focus on digital transformation within property finance.

While The Loans Engine targets a slightly different niche, the shared ecosystem promotes improved service standards across the board, putting pressure on all lenders and brokers to reduce friction and improve user experience.

Why Speed of Completion Matters and How These Platforms Help

As an analyst who has witnessed numerous broker calls and scrutinised deal timelines, I can attest to the fact that lenders and brokers alike are under continual pressure to deliver speedy completions. Property deals falter when funding drags – potentially costing significant time and money.

Here’s how Fluency and KIS Finance mitigate common pain points:

Common Challenge How Fluent Money / MyFluent Help How KIS Finance Calculator Contributes Delay due to unclear loan status Automated approvals tracking; real-time updates reduce communication lag Clear upfront costings reduce renegotiation risks Difficulties accessing the right lenders Extensive lender panel through MyFluent provides more options Helps identify best-fit lending products via cost-comparison scenarios Hidden fees causing late-stage surprises Transparent, itemised fees displayed on the platform Accurate fee forecasts reduce surprises

Transparent Pricing and Avoiding Hidden Fees

One gripe I frequently encounter in the market is the lack of transparency around fees. Brokers and borrowers are often presented with vague “from” rates that can balloon with hidden arrangement fees, valuation costs, and legal disbursements.

Both Fluent Money and KIS Finance make it a point to be crystal clear upfront:

Fluent Money lists all lending fees on MyFluent, giving brokers real-time insights into total cost.
KIS Finance’s calculator allows users to model these fees with inputted valuations and loan amounts, ensuring no cost is overlooked.

Such transparency builds trust and helps brokers manage client expectations realistically.

Conclusion: The Future of Property Finance is Digital and Transparent

To wrap up, Kevin Hindley and the team at Fluent Money have established a market-leading lending firm that prioritises speed, access, and transparency. The MyFluent fintech platform exemplifies this by providing brokers with automated approvals tracking, extensive lender panel access, and upfront fee disclosures.

Meanwhile, KIS Finance supports the market with powerful calculators that aid deal appraisal and financial planning. Platforms such as The Loans Engine are pushing the entire industry forward, encouraging even more automation and clarity.

For brokers and developers demanding quicker, clearer property finance solutions, this ecosystem marks a welcome move away from opaque “from” rates, hidden fees, and long waits. If you want to stay ahead, explore how these digital tools and platforms can help you close deals faster and with confidence.

Remember, before anything else in property finance, always ask: What is the exit?