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03455 120 125

Chat With Us

Call Us

03455 120 125





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

Untitled design (96)

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…

  • 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

    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

    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
  • 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

    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 used Andrew and team 5 years ago and they were brilliant, I couldn't recommend them enough. Recently used them for my renewal and nothing was a problem and felt easy to complete. First class hassle free!!

    Shaun Bradford Avatar Shaun Bradford
  • I couldn't recommend Thameside Mortgages enough - they helped me with my life insurance and Laura was so helpful and so patient with me! Andrew clearly has incredible knowledge and was very supportive and considerate when discussing all of my options. Laura was brilliant at following up and helping me through the process and was very quick responding to any queries that I had. Will most definitely use them again for any further business that I have, A* service - thank you so much!

    Ceri Morgan Avatar Ceri Morgan

    Andrew and his team are great to work with! They are very knowledgeable and have been very helpful throughout the whole process!

    Yafet Cole Avatar Yafet Cole

    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
  • Thameside Mortgages have been outstanding. Very helpful and prompt. They helped me when no one else would. I recommend Thameside Mortgages to anyone who is looking to get a Mortgage!

    jack foreman Avatar jack foreman

    Andrew & Laura at Thameside Mortgages were an absolute godsend. Having them as our Mortgage Broker was so worth the money. They had excellent communication, were brilliant at chasing our lender and keeping things moving quickly, they were also fantastic at finding the best mortgage deal and helping you with every step of the way. They made the whole process so much easier, especially as we were first time buyers and had no clue what we were doing. They help you with all the paperwork and make the process far less overwhelming. I cannot recommend them enough, book them you will not regret it.

    Nicholas Anscombe Avatar Nicholas Anscombe

    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
  • Having used a number of mortgage advisors in the past, I can say that Thameside were a breath of fresh air. We have an unusual situation and were told we couldn’t get what we needed from other advisors. Thameside were able to arrange a mortgage and kept us updated constantly and were available any time to discuss all the usual issues. Highly recommend to anyone looking for a mortgage.

    Christian Willmore Avatar Christian Willmore

    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

    Excellent service. Helped me through the process of finding best mortgage deal. Cant recommend them enough.

    Alan King Avatar Alan King
  • Andrew and his team did an amazing job on our mortgage and the surrounding process. We had our offer in principle within 24 hours of contacting them. The on boarding was seamless and laura kept us updated with progress from our solicitors throughout the wider conveyancing process which means we were always well informed. I would not hesitate in recommending them to anyone

    Phil Wrigglesworth Avatar Phil Wrigglesworth

    We have used Thameside Mortgages now for six of our remortgages over many years. Andrew and his team have been absolutely outstanding. They have always delivered on the best mortgage for us, based on our changing family circumstances, and also have brought ideas and advice that has been extremely helpful to guide us in making the best choice. What has been very impressive is that they are focused on a long-term relationship, not simply a quick commission, and have a few times taken us to mortgage offer stage, where we have backed out for various personal reasons, and they have not asked for any payment for much time and effort on their part getting that far in the process. I am reassured to know where to go for our mortgage advice!

    J Avatar J

    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
  • Fantastic guidance and service all the way through the process of our purchase. Very quick to respond to our questions and would certainly recommend.

    Aaron Jago Avatar Aaron Jago

    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

    My partner and I have used Andrew and his team several times now and will continue to do so, or recommend him, wherever possible. Whether it’s a mortgage, buildings, contents or life insurance, Andrew and his team, without fail, go above and beyond in delivering an exceptional service and client experience from start to finish. Andrew and his team respond speedily by email and/or make themselves available to speak directly. Their insight is incredibly valuable and offer kindness and patience too at a time when decisions can be more challenging. Additionally, Andrew has offered suitable products where other advisers have been unable. Thank you Thameside - you are absolutely our ‘go to’ and your service is genuinely appreciated at a time when it is needed!

    Claire Shepherd Avatar Claire Shepherd
  • Great service from start to finish, made the whole process very smooth and easy

    Chris Lewis Avatar Chris Lewis

    Andrew and Laura have been very helpful every time we have spoken to them. They have quickly processed our transactions and responded to any issues immediately. We highly recommend Thameside Mortgages and all the services they offer. Thank you for helping us through our recent propert purchase.

    Gilly Wright Avatar Gilly Wright

    After the purchase of our property we were in search of a good mortgage broker and our estate agent recommended Andrew. After speaking to Andrew we were confident we had found the right person to entrust finding us something as important as our first mortgage. We provided Andrew with all the necessary details and with his extensive experience and knowledge in this field, he was able to find us a very good mortgage deal. It was a pleasure working with Andrew and he was there to help and support us from the initial stages of the mortgage to the final completion day. When we needed to remortgage, Andrew helped us find another good deal, providing the same care and support as before. I would definitely recommend Andrew to anyone who is looking for an experienced and professional yet very approachable and friendly expert broker who will help guide them through the whole mortgage process. Thank you so much Andrew and Lydia for all your help recently.

    Pam Mehroke Avatar Pam Mehroke
  • 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

    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

    Thameside Mortgages have been nothing but patient, informative and thorough. Andrew and Laura have been great, providing continued support and really taking the time to explain all the questions we sent their way. Their knowledge and expertise is apparent straightaway. Would highly recommend!

    Rosie Woods Avatar Rosie Woods
  • 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

    Introduced to Mr Sheen in 2016 and using his services for me and my family since then. When I was looking for the second mortgage, I was unable to find him at his earlier employers, as he had meanwhile started Thameside Mortgages. I spent two days on internet, found him and contacted. I appreciate 7 respect his services, integrity & professionalism.

    Rajen Saraswati Avatar Rajen Saraswati

    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