MORE THAN JUST MORTGAGES
TRUSTÂ Â |Â Â INTEGRITYÂ Â |Â Â HONESTY
Mortgage Brokers covering Kent, Surrey, Bedfordshire and the surrounding areas
Why Choose Us?
Outstanding customer service
Over 200 5* reviews about our efficient and personalised service
More than 17 years experience
Finding the mortgage and protection that’s best for you
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.Â
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.Â
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, Â Sutton, Shoreham, Maidstone, Orpington, Ashford, Sevenoaks, Feltham, and Wraysbury.Â
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.Â
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.Â
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.Â
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).Â
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.Â
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.Â
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.Â
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.Â
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.