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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 90 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…

  • Andrew and Laura provided an exceptional service and my partner and I are extremely grateful for their services. They were both on hand to answer any questions or queries without hesitation and provided clear, concise and accurate information. As first time buyers and with one of us being self employed, it proved extremely difficult for us to get a mortgage (especially in a pandemic), however Laura and Andrew both went above and beyond to ensure we were looked after and for that we are extremely thankful.

    Hazel McCarthy Avatar Hazel McCarthy

    Andrew and the team at Thameside Mortgages provided a fantastic service throughout our re-mortgage process. From detailing how it all works and what steps we have to take along the way with taking care of our best interests. Andrew was also able to sort out life insurance for me and my partner ensuring we are protected with what we seemed necessary. I very much look forward to using Thameside Mortgages in the future and would recommend anyone else to do so.

    Jordan Smith Avatar Jordan Smith

    Thameside mortgages made getting a mortgage so easy ,even for a tech phobe like myself Laura was so professional ,always their to answer any questions I was kept up-to-date through the whole process ,no stress at all Would recommend to anyone ,5 * isn't enough Massive thank you to Andrew & Laura Well done

    Cheryl Zammit Avatar Cheryl Zammit
  • I've been working with Andrew and his team for a few years now. After recently completing a re-mortgage with Thameside I thought I'd leave a quick review to help others looking for help with the mortgage and to show my appreciation to everyone at Thameside. Their customer service is fantastic. Each time the process is completely stress free. The team are knowledge and always willing to go above and beyond to help make the process go smoothly. They take the time to explain the products they offer in a way that is easy to understand. They are profession and personable at the same time. I especially like the person touches the team do, like sending a thank you card on completion. I would highly recommend the services they offer. Keep up the good work Thameside.

    Surj Avatar Surj

    I could not recommend Thameside Mortgages More! Andrew is always fantastic to deal with, he is always extremely responsive, supportive and helpful! Thanks to the team at Thameside and Andrew for your constant support!

    Larissa Tait Avatar Larissa Tait

    Great service from start to finish, made the whole process very smooth and easy

    Chris Lewis Avatar Chris Lewis
  • Huge thank you to Andrew, Laura & the team for all their help in sorting out my sons remortgage. In what was an extremely difficult time for us as a family they went above & beyond to make sure everything was dealt with quickly & efficiently, searching the market to obtain the best possible deal for him. Highly recommend their service & Andrews knowledge was an absolute godsend. Thank you all once again for the excellent service, we will certainly recommend you as often as possible 😊

    Helen Clarke Avatar Helen Clarke

    Andrew has dealt with our mortgage and remortgage since we bought our first home 12 years ago. The service and advice is always spot on, hence why we always return without question. It's peace of mind knowing we can trust Thameside to take care of everything and give us the advice we need.

    Rhys Jones Avatar Rhys Jones

    Jason was very knowledgable and calm during the whole process and always available to answer my questions. I would definitely use Thameside again.

    Kerry Briggs Avatar Kerry Briggs
  • Absolutely the best, most helpful and speedy broker I've ever worked with - Thameside sorted everything including finding the right mortgage and insurances for me, guiding me through the applications and keeping me posted throughout the process. Particular thanks for their endless patience with me dithering over every decision, but because of their honest and clear advice, I'm completely comfortable I've made the right choices. I really couldn't recommend these guys enough!

    Kate D Avatar Kate D

    First class and professional service. The advice given on various mortgage products, terms and insurance options were excellent. Throughout the sale/purchase they were in constant contact with my solicitor and estate agent, and kept me up to date regularly. Would highly recommend.

    Nick Harris Avatar Nick Harris

    This is the second time I've instructed Andrew Sheen at Thameside Mortgages to find and secure the right deal for me. On both occasions I've had complete confidence in his ability to work with my best interests at heart. So professional and personable, I hope to always work with him when moving house or remortgaging. Not to mention, he's also a really top bloke. Thank you Andrew and team. Let's do it all again in 5 years time.

    Tom Denton Avatar Tom Denton
  • I genuinely can't thank Andrew and Laura enough for all of their hard graft through a very stressful process! The sleepless nights have been totally worth it!! I couldn't have done this with out your superb guidance. Professional, caring, excellent communication, explations to a solo first time buyer that doesn't always understand the jargon that comes with process. I was told by several people I didn't earn enough, needed a partner, better paid job to get on the property ladder. Andrew took this as a challenge and found me an excellent mortgage deal, twice!! I am so, so happy that I chose them to make this a lot easier. I genuinely can't recommend Thameside Mortgages enough. Forever grateful!

    Lauren Cosgrove Avatar Lauren Cosgrove

    Can not fault the service offered by Thameside Mortgages. Our personal advisor Jason was understanding accommodating and incredibly knowledgeable. He understood exactly what we needed and was in constant communication throughout our process and the after sales care we are currently receiving is impeccable. Congratulations Thameside Mortgages you have made our dream of owning a home come true!

    Thomas Esam Avatar Thomas Esam

    I recently used Thameside Mortgages and their recommended solicitors when purchasing my property I can’t recommend them enough! Not only do I feel that I ended up with a very competitive mortgage, from start to finish the team kept me up to date on the progress of my mortgage application and the conveyancing process. They were always very quick to reply to any questions I had and I credit them with helping me exchanging contracts within just 7 weeks. Andrew, Lydia and Laura, thank you so much for all your help. I can’t thank you enough!

    Erin LaBelle Avatar Erin LaBelle
  • From start to finish Thameside Mortgages have been available and very helpful in guiding us through not only moving house, but also remortgaging in these difficult times. I can’t tank Andrew, Laura and Lydia enough for their care and fantastic work ethic! Will definitely be using them in the future!!

    Chris Bassett Avatar Chris Bassett

    Thank you to Thameside Mortgages to Laura and Andrew, helping me get the mortgage, they were both very professional. The mortgage was smooth and efficient. I had difficulties with the solicitor, but Laura and Andrew have been there to support me throughout. I will definitely be in contact for a future mortgages. Happy to recommend to anyone.

    chong brown Avatar chong brown

    Brilliant service from start to finish. Andrew and the team were friendly, knowledgeable and available at every step of the way during the remortgage process ensuring it went smoothly and were always available to help. Would thoroughly recommend.

    Pietro Boffa Avatar Pietro Boffa
  • Andrew and his team were so helpful, quick and professional and once we moved into our new home they sent us the most amazing welcome gift. I can highly recommend them to everyone. A massive thank you for making our mortgage process for our first home so smooth and easy!

    Whitney Osman Avatar Whitney Osman

    Couldn't recommend Thameside Mortgages enough, both Andrew and Laura have and continue to be a huge support in the process for us. We have been kept up to date at all times, provided as much information as possible and have received helpful responses to any queries we have had. They have made a stressful process much easier and we couldn't have wished for a better service.

    Laura Ward Avatar Laura Ward

    Andrew and Laura at Thameside Mortgages were incredibly helpful in guiding me through the home buying process. They answered all of my questions and were in regular communication with me throughout. They were invaluable with also helping to communicate with my solicitor to ensure that my purchase went well. I can highly recommend them to anyone looking for a friendly, knowledgeable and professional advisor.

    yordanos yimmesghen Avatar yordanos yimmesghen
  • We brought our first home nearly 2 years ago, we had Jason Harris as our advisor. I can’t put into words how much he helped from the very first call to present day with our remortgage and life insurance. Jason has been incredible from the get go, it felt as though we didn’t have to do anything really, as he found everything for us and gave multiple options so all we did was say yes or no. He broke everything down and explained things in such a simple way for us to not get too overwhelmed. He made everything feel stress free and simple, as well as finding us an incredible offer twice he has also found cheaper life insurance policies for us which is something I didn’t even think to do, he has saved us £100’s of pounds overall with our new offers. Really appreciate having him as our advisor and he’s a really helpful and lovely guy. Thank you Thameside & Thank you Jason.

    chelsea melbourne Avatar chelsea melbourne

    We’ve been using Andrew for over 10 years, the service, knowledge and expertise he provides is exceptional! From our first time mortgage to re-mortgage, Andrew has always obtained extremely competitive rates vs what you would find on the market and is extremely responsive throughout the process. We also have our life insurance policies with Andrew, which we have found to be incredibly competitive. All around a great team and I would highly recommend Thameside Mortgages to anyone.

    Philip Ismail Avatar Philip Ismail

    I've used Andrew from Thameside Mortgages twice now, i'd highly recommend his service. The information provided was very in-depth and easy to understand. My most recent mortgage offer was about to complete, when Andrew called and had found a better rate and saved us more money which was a lovely surprise 🙂 Would use his service again!

    matt grix Avatar matt grix
  • Fantastic service from start to finish. Andrew and Laura assisted with the purchase of mine and my partners first home, it was great to know that we were in safe hands throughout. Highly recommend!

    Noah Kirby Avatar Noah Kirby

    I am so glad that we worked with Thameside Mortgages for the purchasing of our first home. From initial enquiries, guidance whist making an offer on the house, to getting a mortgage offer & insurance options, we cannot fault their service! Jason always made us feel informed, in control and aware of all our options. 10/10 and we would definitely recommend to our friends and family! Thameside eliminated all the fears & stress we thought we would have, and made the experience easy and clear. Thank you very much!

    Sainimili Kata Avatar Sainimili Kata

    We used Thameside Mortgages for our recent mortgage application and cannot speak highly enough of Andrew and his team. They were professional and attentive from the outset and helped us through every step of the process. Andrew consistently communicated with us throughout to ensure the process was as easy and streamlined as possible, and we felt we received a completely personal service. I wouldn’t hesitate to recommend Thameside Mortgages for anyone considering a mortgage application in the future and will definitely utilise their service again.

    Sarah Blanks Avatar Sarah Blanks
  • I was highly recommended Thameside Mortgages and they didn't disappoint! The process was stress free, professional and very efficient. Nothing was a problem. Everything was explained fully and no question was to much trouble to answer in a way that I could understand. I also took out insurances too which were highly competitive! Great company and service received.

    Laura Biggs Avatar Laura Biggs

    Andrew and Laura were attentive to all our needs and gave us all the facts to help us make informed decisions. They were more than happy to answer our many many questions and always did so in a very timely manner. We had some issues with our solicitors taking too long to action paperwork but both Andrew and Laura chased things up on our behalf. The support and guidance along the way was definitely appreciated. We shall definitely use Thameside Mortgages again!

    Alison King Avatar Alison King

    I had heard great things about Thameside Mortgages before we used them to buy our new home, and they certainly did not disappoint! Andrew and his team were friendly, thorough and efficient from start to finish, which made what initially felt like a daunting process completely stress free. The team went above and beyond on multiple occasions, including to resolve a couple of unforeseen issues that we encountered with our mortgage application, proving that we couldn’t have done it without them! I will definitely be using them again for any future house purchase / remortgage.

    Michaela Peck Avatar Michaela Peck
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