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MORE THAN JUST MORTGAGES

TRUST   |   INTEGRITY   |   HONESTY

Mortgage Brokers covering Kent, Surrey, Bedfordshire and the surrounding areas

Why Choose Us?

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Outstanding customer service

Over 200 5* reviews about our efficient and personalised service

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More than 17 years experience

Finding the mortgage and protection that’s best for you

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Relationships built to last

Honest advice always with your best interests in mind

A more personal service

You want to feel involved with, clued up and confident about your mortgage, not scared to ask questions and railroaded into taking a product you aren’t sure about. 

At Thameside Mortgages, we do things differently. A member of our small friendly team will work one to one with you from the first call to the completion of your mortgage. Our intense desire to put our customers first and offer a service that people rave about has been the driving force behind everything we do and the reason we have over 200 5* reviews. 

If you’re looking for a broker that will genuinely listen, seek to understand your situation, and advise you on the best options, get in touch today for a no-obligation initial chat and see for yourself what sets us apart.

We are proud to be your 5-star rated mortgage brokers covering Kent, Surrey, Bedfordshire. and the surrounding areas, such as Gravesend, Bromley, Bexleyheath, Chatham, Rochester, Dartford,  Sutton, Shoreham, Maidstone, Orpington, Ashford, Sevenoaks, Feltham, and Wraysbury. 

What is the mortgage application process for a purchase?

Mortgages can be daunting, especially if you’re a first-time buyer. At Thameside Mortgages, however, from your first enquiry to getting the keys, we will be on hand to guide and support you every step of the way. Here’s what you can expect:

1.) Our mortgages brokers in Kent will start with an initial chat so we can gather some details. This will give us an idea of how much you can borrow, your maximum purchase price, the costs associated with the mortgage and your approximate monthly repayments.

2.) You’ll then receive an email detailing this information and setting out your next steps should you wish us to proceed to find an Agreement in Principle (AIP).

3.) Once you have an AIP, we will send you a full list of documentation we will need to complete the application. If you are purchasing a new property, you can now go and start house hunting, and we will check in with you every 1-2 weeks. 

4.) Once your offer has been accepted and we have the information required to submit an application, we will ensure the survey (valuation) of the property is arranged and send the required documents to the mortgage lender. Our job is to obtain a formal mortgage offer (approval) as quickly as possible.

5.) At this point, there are numerous areas we can help with. Firstly, we would look to ensure you have the right level of insurance to protect you, your family and your home. Things can get complicated and confusing during the legal process, so we will always be on hand to help you with each step and provide the solicitor with any documents in relation to your purchase. We’ll continue to liaise with you and the solicitors to ensure clear and smooth communication and regular updates right through to the point of completion. So you never feel left in the dark or overwhelmed and confused by jargon.

6.) Once completed, you can relax, feeling confident that you have the right mortgage and protection. 

We’ll now take care of you for as long as you have a mortgage and beyond. We will be in touch six months before your new deal is about to end and walk you through the process again.

What is the mortgage application process for a remortgage?

Interest rates have risen significantly since the turn of 2022, meaning thousands of people are coming to the end of low-interest rate mortgage deals. It’s incredibly difficult to know whether to gamble on rates reducing or take the security of a long-term fixed rate. 

When there are six months left on your current deal, it’s the perfect time to assess your options. Don’t worry. You won’t pay a penalty for coming out of your current deal early. You will just secure a deal ready for when the current mortgage product comes to an end.

At Thameside Mortgages, from your initial conversation to the completion of your remortgage, we will provide you with the pros and cons of the thousands of mortgage products out there, ensuring we choose a product that suits your needs and attitude to risk. Here’s what you can expect:

1.) We’ll start with an initial chat so we can gather some details. This will give us an idea of your existing mortgage details (balance/term/interest rate/when your deal ends). 

2.) We’ll guide you through the various mortgage options, such as fixed rate vs variable rates and short-term vs long-term deals.

3.) This will be the perfect time to decide whether you’re happy keeping all aspects of your mortgage the same, such as the loan amount and the mortgage term, or if you would like to consider raising extra finances at the same time to make home improvements or clear some debt.

4.) Invariably, we will compare the mortgages your existing lender can offer against the thousands of other products available to you.

5.) You’ll then receive an email detailing your options, setting out your next steps to secure the deal and a full list of the information we will need to complete your application. 

6.) Once we submit your application, we will send the required documents to the mortgage lender, and our team will work hard to obtain the formal mortgage offer/approval as quickly as possible.

7.) We will look to ensure you have the right level of insurance to protect you, your family and your home. We will liaise with you and the solicitors to ensure clear and smooth communication and regular updates right through to the point of completion. So you never feel left in the dark or overwhelmed and confused by jargon.

8.) Once your remortgage has completed, you can relax, feeling confident that you have the right mortgage and protection for your needs.

9.) We will take care of you for as long as you have a mortgage and beyond. We will be in touch six months before your new deal rate is about to end and walk you through the process again.

At Thameside Mortgages, our brokers have helped hundreds of people in Kent and the surrounding area achieve peace of mind with their mortgages. Our exceptional customer service and communication are what sets us apart and keep our customers returning to us year after year. 

How many lenders do you have access to?

At Thameside Mortgages, we are able to search more than 70 lenders to find you a mortgage deal that’s right for you. We take the time to understand you, your situation and future plans to help us find a product that fits. So, whatever your situation, poor credit, employed or self-employed, looking for a single or joint mortgage, it’s worth getting in touch to see if we can help.

Why choose Thameside Mortgages?

If you’re looking for a mortgage broker in Kent that will walk with you through the entire process and always keep you up to date and in the loop, you’re in the right place. Our brokers really take the time to understand each and every customer to find the right products for each unique situation. We have been serving Kent and the surrounding areas for over 17 years and have over 200 five-star reviews from customers who have been delighted with our high level of customer service, outstanding communication and willingness to explain things clearly. 

Do you provide mortgage protection?

Absolutely. Part of our dedication to our clients is ensuring you have the right level of protection. Again, our highly experienced mortgage brokers will take the time to look at your situation and future goals to make recommendations that are personal and tailored to you. We’ll look at your current policies and what employee benefits you may have to ensure they are fit for purpose and highlight any shortfalls. Our promise to you is that we’ll never push products you don’t need, and we won’t confuse you with jargon. 

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it. The Financial Conduct Authority does not regulate most forms of buy to let mortgage.

What our clients are saying…

  • The whole process was quick, efficient and hassle free. Andrew is always a pleasure to deal with and finds the best option for your needs and offers clear advice throughout. I have recommended Thameside Mortgages to friends and will continue to.

    james goldfinch Avatar james goldfinch
    15th July 2024

    Andrew at Thameside mortages has been brilliant in helping us secure great mortgage deals for my last 2 properties. He provides straight forward, honest advise and makes what can be a complex process very easy. Our most recent remortgage has been complex due to our requirements for an expat buy-to-let mortgage, but Andrew has been very thorough and persistent is scouring the market for the best deal that suits our financial needs.

    Faris Pervez Avatar Faris Pervez
    16th June 2024

    As a first time buyer Andrew made the process seamless for me. He explained everything to me from my mortgage in principle to completion and answered all my questions (I had a lot!). I would recommend Thameside Mortgages to everyone and anyone!

    Louise Houghton-Campion Avatar Louise Houghton-Campion
    16th June 2024

    Andrew worked very diligently and quickly to secure us a good deal and explained everything in clear and understandable terms. This is the 4th or 5th time I have used Andrew and I would definitely recommend him to anyone - always available, lots of good advice, proactive with the lender trying to push everything through. 5 stars

    Charlie Riddell Avatar Charlie Riddell
    16th June 2024

    I’m so grateful for all of Thames Mortgages help throughout the process of buying our home. It wasn’t an easy purchase, but Andrew and the team have been so supportive throughout and we couldn't have met our deadline we wanted to meet without their helping. Thank you so much. Lexy

    Lexy Besterman Avatar Lexy Besterman
    16th June 2024

    Andrew and his team have proven to be invaluable in helping me secure a great deal on my mortgage for both Buy-to-Let and residential properties. They consistently go above and beyond to ensure their clients receive the best possible service. When it was time to remortgage, Andrew reached out to me and gave me the confidence that they were committed to finding the best deal. They searched diligently and were able to secure me an absolute fantastic offer. Throughout the entire process, they have been extremely helpful, friendly, and readily available around the clock to assist me. They keep us informed and involved whenever applicable, ensuring that we have a clear understanding of all discussions and decisions. Their unwavering support and exceptional assistance have earned our utmost appreciation. Without hesitation, I highly recommend Thameside Mortgages to anyone looking for assistance with their mortgage needs. Their professionalism, dedication, and expertise make them the perfect choice for anyone looking for mortgage, Lfe policies etc.,

    P K Avatar P K
    16th May 2024
  • I’ve just completed my remortgage with Thameside and highly recommended. They constantly checked the market to ensure we got the best rate in these challenging times, and were always on hand to explain anything I didn’t understand.

    Safeya Abou-Zeid Avatar Safeya Abou-Zeid
    16th March 2024

    Very professional always available when you need help. very happy I highly recommend them to anyone that wants to get a mortgage.

    Arber Krasniqi Avatar Arber Krasniqi
    16th February 2024

    The Thameside Mortgages are incredible.They are extremely helpful and supportive.They have an extremely supportive and helpful staff who helped in every way possible.I recommend Thameside Mortgages to everyone who is looking!

    Nand Pandey Avatar Nand Pandey
    16th February 2024

    I worked with Andrew and Laura at Thameside Mortgages when purchasing my first home. The help and guidance I received was fantastic. Andrew was responsive and knowledgeable, and he was able to explain things simply to me. Would highly recommend to any first time buyers! Thank you both.

    Lucy Edmondson Avatar Lucy Edmondson
    16th February 2024

    Very helpful and go the extra mile to get you the best deal possible .

    mark melbourne Avatar mark melbourne
    16th December 2023

    We were originally introduced to Andrew by a friend and we never looked back following our first introductory meeting. Our purchase was complicated by being based overseas, having an existing property in the UK, and other factors that meant certain mortgage products weren't suitable for our circumstances. Andrew took the time to understand our needs and tailored his advice accordingly, leveraging his comprehensive knowledge of the products available particularly during the fast-changing market as interest rates spiked. His personalised approach and patience ensured we understood the options available and enabled us to structure our purchase in a way that was optimal for us. It was evident that Andrew had our best interests at front of mind to build a trusted and lasting relationship. We'll definitely be using Andrew again when we look to remortgage in the future and for advice regarding the other insurance services he provides.

    MD Avatar MD
    16th November 2023
  • Can't fault the service we got from Jason and Laura. Highly recommend Thameside Mortgages. Thank you both for your hard work.

    Kate Brewer Avatar Kate Brewer
    16th November 2023

    We were referred Andrew & Laura by a friends who has recently bought their first home and we are so glad they did! As first time buyers this was all new and scary to us but Andrew reassured us and made things so easy every step of the way. He proactively updated us and explained things so clearly. They have exceeded our expectations not just by helping us find a mortgage suitable for us but also sorting out all our insurances making the process stress free. Even once we got the keys to our home we received a lovely new home hamper and the attention to detail was fantastic! Thank you Thameside Mortages!

    Jade Leonard Avatar Jade Leonard
    16th November 2023

    Andrew and Laura have been a great support throughout my (long!) process of buying and selling. Andrew has always made the options available to me in terms of various mortgages or insurance crystal clear so I understand everything clearly as I am not one naturally with a head for figures. It became overwhelming at times but the Thameside team would help break things down so I got a grasp of everything before making huge decisions. My journey to eventually get to my new home was a bit of a rollercoaster but the team were always patient and supportive when I'm sure at times they were equally as frustrated by the challenges as I was. Above all though, Andrew and Laura (and Zoe) are all thoroughly nice people and that in itself is priceless.

    Nicola R Avatar Nicola R
    16th October 2023

    My mortgage renewal was made very easy and feel I got a good deal considering the current market, thank you for kindness and help to do this! 😊

    Emily Dyett Avatar Emily Dyett
    16th October 2023

    A friend of mine recommend Thameside Mortgages and after obtaining my mortgage I will do the same in the future to anyone I know who's looking for a mortgage broker. Thank you Andrew and Laura, you've been brilliant!

    Bradley Avatar Bradley
    16th October 2023

    Great service and fantastic communication. Very happy

    charly wild Avatar charly wild
    16th October 2023
  • Our experience with thameside was very very good. Andrew and Laura were very helpful and supported me and my partner throughout the whole mortgage process which made it a lot easier than we first feared. We would highly recommend thameside to anyone in a heartbeat. We wouldn’t have been able to get through without them both.

    Luke Whittle Avatar Luke Whittle
    16th September 2023

    Massive thanks to Andrew and Laura. Couldn’t fault either of them, helped me throughout the entire process from getting the price range I wanted all the way to completion and making sure my insurance was all set up and everything was ready for when it needed to be! Couldn’t recommend anyone better!

    Harry Frolich Avatar Harry Frolich
    16th September 2023

    Myself and my partner spoke to different company’s before speaking to Andrew and Laura at Thameside Mortgages and was absolutely blown away by the time and effort they put in straight away. They secured us a much better rate then we had previously been offered by 3 other companies and took the time to explain everything to us, as first time buyers we was unsure of the process. Not only securing us a brilliant rate in uncertain times with rates constantly rising but also helping with our life insurance and home insurance policies too. We could not have done this whole process without them and would highly recommend them to anyone in the process of sorting a mortgage!

    April Ward Avatar April Ward
    16th September 2023

    Very efficient and streamlined service. Our mortgage re-application has gone through smoothly and pleased with the service we have received. Would highly recommend.

    Nicola Vander Avatar Nicola Vander
    16th September 2023

    I am so grateful to Andrew and Laura for their guidance through my original mortgage application as well as my recent renewal. They have always been on hand to answer any queries or questions and have made the process as stress-free as possible. I would highly reccomend.

    Holly Rai Avatar Holly Rai
    16th September 2023

    I had the pleasure of working with Thameside Mortgages for my recent home purchase, and I cannot praise them enough for the brilliant job they did. From start to finish, the team at Thameside Mortgages demonstrated exceptional professionalism, expertise, and dedication. Throughout the entire mortgage process, they exhibited a deep understanding of the market and their attention to detail and thoroughness in explaining every step of the process ensured that I felt informed and confident in my decisions. What truly set Thameside Mortgages apart was their personalised approach. They took the time to understand my financial goals and tailored their services accordingly. Their excellent communication and responsiveness made me feel valued as a client, and I never had to worry about any aspect of the mortgage application. I am immensely grateful for the support and guidance I received from Thameside Mortgages. I wholeheartedly recommend Thameside Mortgages to anyone seeking mortgage services, as they truly go above and beyond to deliver outstanding results.

    David Leece Avatar David Leece
    16th August 2023
  • I've know Andrew Sheen for a number of years and he helped us with our remortgage and was very professional, gave excellent advice and knew and understood all our needs and requirements. I would highly recommend him and his company to anyone wishing to use them.

    IBAS RM Avatar IBAS RM
    16th August 2023

    Excellent and very friendly service! Jason helped me to secure my mortgage and was always super quick to respond. As a first time buyer I found his advice incredibly helpful, throughout what ended up being a very long process after one purchase fell through. Andrew was also very helpful when Jason was on leave. I would recommend Thameside to anybody.

    Emily Peddle Avatar Emily Peddle
    16th August 2023

    Amazing service. I couldn’t recommend more highly. Andrew has everything covered and knows his stuff. He has spoon feed me at every step (much needed). Andrew and his team have gone above and beyond for me and I will always be grateful for the advice and support they have given.

    Rebecca Cave-brown Avatar Rebecca Cave-brown
    16th August 2023

    Andrew and his team have been incredibly helpful with our recent mortgage change. They have been very comprehensive with the options available, and guidance has been balanced and clear. Would highly recommend them.

    Rhys Edwards Avatar Rhys Edwards
    16th August 2023

    Excellent service from start to finish. Great communication throughout. Andrew and Laura were very helpful and always at the end of the phone if needed and always kept me updated throughout our process and communicated after ensuring everything went smoothly. Would highly recommend using Thamesside mortgages for a smooth and reliable easy process.

    Carla Marlow Avatar Carla Marlow
    16th August 2023

    Andrew and the team were exceptionally helpful and made a stressful and confusing situation manageable.

    Ed McConnell Avatar Ed McConnell
    16th August 2023
  • Andrew provided an excellent service throughout our mortgage application and house purchase. We felt we got a really good deal through him, and I'd recommend him to anyone

    Sam Tait Avatar Sam Tait
    16th August 2023

    Excellent service by Thameside Mortgages mainly by Andrew. I got two mortgages recently and Andrew helped me all through the process and got best deals on the market in those tough times. He is very much approachable and answered to all my queries with lots of patience and to his best. He is very knowledgeable and made the whole process smooth and simple. A BIG THANK YOU

    D Pingali Avatar D Pingali
    16th July 2023

    Andrew has been absolutely fabulous sorting a first time mortgage for my daughter and her fiancé and also sorting a mortgage for a good friend. I would highly recommend him.

    Jane Gedge Avatar Jane Gedge
    16th July 2023

    Throughout the process, from my initial enquiry and telephone appointment, to his post completion call, I have felt well advised, supported and valued as a customer. With his clear and calm approach, Andrew has a way of making you feel, you are his only client and that nothing is too much trouble, (which is very reassuring to someone whose last mortgage was over 30 years ago). While he was personally recommended to me, I have no hesitation in extending that recommendation further, along with my thanks to him and his team for their excellent service.

    Yvonne Savage Avatar Yvonne Savage
    16th July 2023

    Andrew was very supportive throughout the whole process of remortgaging-uploading the documents was easy and communication was excellent. He sorted any issues out swiftly via WhatsApp. I had issues with the solicitor which he was able to sort out and continued to look into after my mortgage completed.

    Tanya Foreman Avatar Tanya Foreman
    16th July 2023

    Andrew and the team did a fantastic job securing us a good rate during the recent economic turmoil, helping us each step of the way to secure the mortgage. Fantastic service and I would highly recommend them to anyone seeking a mortgage.

    Guy Danielle de Rose Avatar Guy Danielle de Rose
    16th July 2023
  • So so impressed with and grateful for the work of Andrew of Thameside Mortgages. He made every step of buying our dream home as easy as it possibly could be. Andrew was the perfect combination of friendly and professional, keeping us informed throughout such a daunting process. We cannot recommend enough. Ben & Hayley.

    Ben Driver Avatar Ben Driver
    16th July 2023

    A really excellent service in which my advisor (Andrew) took time to really understand my situation, priorities and suggest a product that would work best for me. I really felt treated like a human being - and was shown real patience in how something that feels complicated to me was explained. Andrew asked lots of clear questions and gave me a really clear explanation of what each potential product would mean for me - both verbally and then in writing. Can't recommend highly enough!

    Nick Evans Avatar Nick Evans
    16th July 2023

    Andrew was recommended to me by my Mum who had recently used him and his team for her purchase. I am 20 so am on a learning curve of what’s involved, and Andrew was a perfect choice for all the support I needed to make my first purchase come true! From initially satisfying the mortgage lender, managing the process, and getting to completion which wasn’t straight forward. My initial offer fell through due to the seller, but Andrew and his team kept me on track with reapplying my mortgage offer to another property and extending so it didn’t expire. This also included guidance on a homebuyer’s report and a huge amount of easily explained detail to helpfully understand the importance of mortgage protection. In addition to my daughter’s review above, as her parent, I’d like to add: Andrew helped myself and partner purchase a property which I have already left a review for, but I also wanted to express my gratitude for helping my daughter. Especially at a time when the climate is so turbulent, as always, Andrew and his team went above and beyond what I have experienced from other advisors. I cannot express enough what an exceptional service Andrew and his team provides. His passion, knowledge and client experience shine at every opportunity adapting to suit your needs. Working in user experience, as a client and from a professional point of view, it is clear Andrew has an exceptionally high level of service that he wishes to deliver to all clients which captures that ‘above and beyond’ experience so well. I am truly grateful for successfully helping my daughter take her first, incredibly important step onto the property market. Sincerely, life changing. I will be recommending and using you again whenever opportunity presents itself. Thank you.

    elizabeth shepherd Avatar elizabeth shepherd
    16th July 2023

    Cannot recommend highly enough. Very helpful throughout the whole process and was able to secure a better rate than a free broker.

    Marcel franke Avatar Marcel franke
    16th July 2023

    Andrew and team were brilliant throughout the whole process, and made what could’ve been a very stressful time seem easy. They were so responsive and went out of their way to get our application in quickly to avoid interest rate rises, which made such a difference in such uncertain times. Would highly recommend to anyone and everyone!