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Home – Bedfordshire




Mortgage Brokers covering 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

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Relationships built to last

Honest advice always with your best interests in mind

A more personal service

Looking for a mortgage broker in Bedfordshire that truly cares about your needs and empowers you to make informed decisions? Look no further than Thameside Mortgages.

Our friendly team of experts is dedicated to working with you one-on-one, from your very first inquiry to the moment you close on your dream home. Unlike other brokers, we put our customers first, ensuring you never feel pressured or uncertain about your mortgage options. Our commitment to outstanding customer service is reflected in our glowing 5-star reviews, and we’d love the chance to show you what sets us apart. Reach out today for a no-obligation chat with one of our advisors that cover Bedfordshire and the surrounding areas, and discover the difference personal attention can make.

First-Time Buyer Mortgages

A first-time buyer in the UK is someone who is purchasing their first home and has never owned a property before.

We understand that purchasing your first property can be an exhilarating yet daunting experience, so if you are a first-time buyer seeking a mortgage broker with a 5-star rating, Thameside Mortgages can provide assistance. With access to over 90 lenders, we can identify the most suitable products to obtain the right mortgage deal for you.

Our knowledgeable mortgage brokers have helped hundreds of first-time buyers in Bedfordshire and the surrounding areas secure their first mortgages and home. 

Our process begins with a brief conversation with one of our staff members, where we learn about your needs and guide you towards purchasing your first home in the area of your choice.

Then we will submit an initial application to get an Agreement in Principle (AIP) and once your offer has been accepted on a property, we can move forward with submitting a formal mortgage application to a mortgage lender. 


Remortgaging refers to the process of switching your existing mortgage to a new lender or a new deal with your existing lender. It involves paying off your current mortgage with the proceeds of a new mortgage, which may offer more favourable terms and conditions, such as a lower interest rate, more flexible repayment options, or the ability to borrow more money. 

Remortgaging is a way to reduce your monthly mortgage payments, release equity from your property, or consolidate other debts. It is typically done when your existing mortgage deal is about to expire, or when you want to take advantage of better deals in the market.

To ensure you have enough time to explore alternative lenders and negotiate better mortgage rates, it’s advisable to start considering a remortgage six months before your current agreement expires.


Thameside Mortgages, your mortgage broker in Bedfordshire and the surrounding areas, can guide you through the remortgaging process and help determine whether it’s a feasible option based on your current financial situation.

When it comes to remortgaging, you have two primary options: fixed-rate and variable-rate mortgages. Fixed-rate mortgages offer stability in your monthly expenses, making them a good choice if you prefer predictability. 

If you’re looking for expert mortgage advice and want to secure the right mortgage deal, don’t hesitate to contact Thameside Mortgages today. Our team of knowledgeable brokers are ready to guide you through the process and find the perfect mortgage product for your unique financial situation – get in touch with us today!

Home Mover Mortgages

A home mover mortgage is a type of mortgage that is designed for individuals who already own a property and are looking to move to a new one.

If you are tied into a mortgage deal, it might make sense to ‘port’ your existing mortgage. 

Porting means transferring your existing mortgage to a new property, allowing you to avoid early repayment charges, which can be expensive. 

To port a mortgage, we can apply to your mortgage lender and ensure you meet their eligibility criteria for the new property. Any additional borrowing will be taken at a rate available at the time of application. 

If approved, your lender will transfer your existing mortgage to your new property and you can continue making your mortgage payments as usual.

At Thameside Mortgages, we understand that moving house can be a stressful time, which is why our qualified and accredited mortgage brokers in Bedfordshire and the surrounding areas are here to simplify the process for you. We take care of everything, from applying for an Agreement in Principle (AIP) to liaising with estate agents and solicitors and sourcing the right home mover mortgage to suit your needs and current financial situation.

Buy to Let Mortgages

A buy-to-let (BTL) mortgage is a type of mortgage product specifically designed for people who want to purchase a property with the intention of renting it out to tenants. 

Unlike a residential mortgage, where the lender is primarily interested in whether the borrower can afford to make their mortgage payments, a BTL mortgage lender will also consider the potential rental income the property could generate. 

This is because the rental income can be used to cover the mortgage payments, and the lender wants to be confident that the borrower can generate sufficient income to cover the mortgage. BTL mortgages typically have different interest rates and lending criteria than traditional residential mortgages.

Most lenders require a deposit of at least 25% for a BTL mortgage. However, it’s worth noting that the exact deposit required may vary depending on the lender and the borrower’s individual circumstances. Some lenders may require a larger deposit, particularly for properties in high-risk areas or for borrowers with a less-than-ideal credit history. 

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 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

    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

    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
  • 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

    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

    Andrew, Laura and the Thameside team were fantastic and delivered a brilliant result for us. They were able to secure two competitive mortgages for our remortgage and new house purchase. These were secured in a matter of weeks and then Thameside guided us through a tricky exchange and completion process with minimal fuss and stress. Thank you Thameside for a providing a wonderful service and we’ll sure to be back again in the future!

    William McCann Avatar William McCann
  • 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

    I really can’t recommend Thameside Mortgages enough. From start to finish, the process was very well explained and completely hassle free. They found me an amazing deal and their communication, responsiveness and support was second to none. A heartfelt thank you to Andrew, Laura and Lydia; keep up the brilliant work.

    David Leece Avatar David Leece

    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
  • 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

    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

    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
  • 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 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

    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
  • 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

    Andrew and the Team were not only extremely knowledgeable in their field, but extremely professional and thorough throughout the process. I can't recommend the team enough and would strongly urge engaging the team for your mortgage and life insurance management. Thank you Thameside Mortgages.

    Matthew Harrison Avatar Matthew Harrison

    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
  • 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

    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

    We used Thameside Mortgages for our mgt for our new property. We had professional and brilliant service from Andrew and his team. I would highly recommend Thameside Mortgage as they go over and above what I expected from them. Thank you so much Andrew and your team X

    Kelly Carberry Avatar Kelly Carberry
  • 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

    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

    Thameside were amazing! Made the process completely stress free and felt informed throughout. I’ll go with them every time.

    Ellie Blackall Avatar Ellie Blackall
  • 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

    Andrew’s experience and knowledge of the market was next to none, which allowed me to get the perfect mortgage deal. Followed by Laura’s communication made the whole process very comfortable. It wasn’t as easy ride with many hiccups from my end but Thameside stuck with me throughout the entire process until I picked up my keys and more. Highly recommend.

    Henry Kidman Avatar Henry Kidman

    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
  • Impeccable service from Andrew and his team @ Thameside Mortgages. Very helpful, thorough and professional service. What’s more, we were under time restraints due to the temporary reduced rates of stamp duty; Thameside exceeded our expectations and got the job done with the mortgage secured and plenty of time to spare; a pleasant experience all round. Thanks Thameside!

    Carl Jago Avatar Carl Jago

    This is the 3rd time I have used Thameside Mortgages , I was so impressed with their professionalism and quick response. They helped me through every step of the way and continue this service after completion. It was such a pleasure throughout the whole process , I would definitely recommend this company to all my friends and family . Mrs Pamela Payne

    Pamela Payne Avatar Pamela Payne

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

    Alan King Avatar Alan King

Why Choose Thameside Mortgages Bedfordshire?

Thameside Mortgages is a 5-star rated mortgage broker based in Bedfordshire and the surrounding areas. There are several reasons why you might choose to work with us:

  1. Expertise: Our team of experienced and qualified mortgage advisors have a deep understanding of the UK mortgage market and can guide you through the entire process of finding and securing the right mortgage product for you.
  2. Personal service: We offer a personal service, taking the time to get to know you and your unique circumstances, and tailoring our advice to your specific needs.
  3. Access to a wide range of lenders: We have access to over 90 mortgage lenders in the UK, which means we can find the best deals and products to suit your financial situation and goals.
  4. Simplified process: Applying for a mortgage can be a daunting process, but we simplify things for you, handling all the paperwork and administrative tasks on your behalf, and keeping you updated every step of the way.
  5. Reputation: We have an excellent reputation in the mortgage industry, with many satisfied customers who have benefited from our expert advice and support.

Get In Touch Today

Contact Us

Why use a mortgage broker in Bedfordshire?

There are several compelling reasons why clients may choose to engage our services as a mortgage broker, such as Thameside Mortgages in Bedfordshire:

  1. Our extensive lender access: We have built a broad network of over 90 lenders, including those not typically found on the high street. This enables us to assist clients in finding a mortgage product that is specifically tailored to their individual needs and financial circumstances.
  2. Expert guidance: With nearly two decades of experience in the mortgage industry, our brokers possess a comprehensive understanding of the market. This allows us to provide clients with expert advice and informed guidance throughout the mortgage process.
  3. Streamlined technology integration: We utilise technology to simplify the often mundane aspects of obtaining a mortgage. Our online portal facilitates efficient application management and provides clients with real-time updates on their application’s progress.
  4. Personalised and friendly service: As a small, family-run company, we take pride in delivering a personalised and amiable service. Clients can expect to work with the same broker from start to finish, cultivating trust and fostering a comfortable experience.
  5. Time-saving convenience: By engaging our services, clients save valuable time and effort as we handle the mortgage application process on their behalf. This includes completing paperwork, liaising with lenders, and providing guidance and support throughout the journey.

In summary, employing our services as a mortgage broker offers clients numerous benefits, including access to a diverse range of lenders, expert guidance, time-saving convenience, and a personalised and friendly approach.

What is a fixed-rate mortgage?

A fixed-rate mortgage is a mortgage type where the interest rate remains unchanged for a predetermined duration, typically ranging from two to ten years. Throughout this fixed-rate period, the borrower’s monthly mortgage payments remain consistent, unaffected by fluctuations in the Bank of England’s base interest rate or other economic factors.

Once the fixed-rate period concludes, the mortgage often transitions to the lender’s standard variable rate (SVR), potentially leading to a notable increase in the borrower’s monthly payments. To avoid this potential rise, borrowers may opt to remortgage or switch to a different mortgage type before the fixed-rate period ends.

Fixed-rate mortgages offer borrowers stability and predictability, enabling easier budgeting and future planning. However, the initial interest rate for a fixed-rate mortgage may be higher compared to a variable-rate mortgage, and borrowers may miss out on potential savings if interest rates decrease during the fixed-rate period.

What is a variable-rate tracker mortgage?

A tracker rate mortgage is a mortgage type that aligns its interest rate with an external benchmark, typically the Bank of England’s base rate. As the benchmark rate fluctuates, the interest rate on the tracker mortgage will correspondingly increase or decrease.

For instance, a tracker mortgage may be advertised as “base rate + 1.00%,” indicating that the mortgage’s interest rate will be set at 1.00% above the Bank of England’s base rate. If the current base rate is 4.00%, the mortgage’s interest rate will be 5.00%. If the base rate subsequently rises to 5.00%, the mortgage’s interest rate will increase to 6.00%.

Tracker mortgages provide flexibility and the potential for lower interest rates compared to fixed-rate mortgages since borrowers can benefit from decreases in the base rate. However, they also carry the risk of increased payments if the base rate rises. It is crucial to carefully evaluate your financial situation, weighing the potential risks and benefits, before opting for a tracker rate mortgage.

What is the typical length of a mortgage term?

The duration of a mortgage term can vary based on factors such as the mortgage type, age, and financial circumstances. However, the most common mortgage terms typically fall within the range of 25 to 35 years.

It’s important to recognize that the length of your mortgage term can impact the amount of interest you will pay over the life of the loan. Longer mortgage terms often result in lower monthly payments but accumulate more interest over time. Conversely, shorter mortgage terms may involve higher monthly payments but reduce the total interest paid throughout the loan’s duration.

Additionally, it’s worth noting that lenders may offer varying mortgage term options based on individual circumstances. For instance, if you are closer to retirement or have a shorter timeframe until retirement, some lenders may provide shorter mortgage terms to ensure the mortgage is paid off before you retire.

Ultimately, the choice of mortgage term depends on your unique financial situation and objectives. Consulting with a mortgage broker can be beneficial in determining the most suitable mortgage term length for your specific needs.

Do you provide mortgage protection?

Certainly. As part of our commitment to our clients, we prioritize providing the appropriate level of protection. Our team of experienced mortgage brokers understands the significance of thoroughly assessing your unique circumstances and future aspirations. This enables us to offer personalized and customized recommendations that align with your needs.

During the process, we will carefully evaluate your existing policies and consider any relevant employee benefits to ensure their suitability and identify any potential gaps in coverage. It is our assurance to you that we will never insist on unnecessary products, and we will communicate our recommendations in clear, jargon-free language. Your understanding and satisfaction are of utmost importance to us.

Who qualifies as a first-time buyer?

When dealing with stamp duty payments, a First-Time Buyer (FTB) is typically defined as an individual who has never previously owned a property. It is crucial to understand that all buyers participating in the property purchase must meet this criterion to qualify for any potential government incentives that may be offered.

Nevertheless, some mortgage lenders may extend the definition of a First-Time Buyer to include individuals who haven’t held a mortgage within the past three years. Furthermore, specific mortgage options exist that enable one applicant in a joint application to be considered a First-Time Buyer. This arrangement allows them to access products specifically tailored for FTBs and take advantage of the associated benefits.