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03455 120 125




Mortgage Brokers covering Bromley 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

At Thameside Mortgages in Bromley, we believe that getting a mortgage shouldn’t be a scary or intimidating process. We want you to feel empowered, knowledgeable, and confident every step of the way.

That’s why we offer a unique, personalized experience with a dedicated member of our friendly team in Bromley and the surrounding areas, who will work with you from start to finish. We pride ourselves on putting our customers first and delivering a service that people love, as evidenced by our 200+ 5-star reviews.

If you’re looking for a mortgage broker in Bromley, who truly cares about your needs, listens to your concerns, and provides expert advice, we invite you to get in touch today. We promise a no-pressure, no-obligation conversation that will help you see what sets us apart.

First-Time Buyer Mortgages

If you’re looking for a 5-star rated first-time-buyer mortgage broker in Bromley, Thameside Mortgages can help you through the process. With access to more than 90 lenders, we can source the most suitable products to attain the right mortgage deal for you. We understand that getting on the property ladder is exciting but obtaining your first mortgage can be long-drawn out and a stressful experience.
Enter Thameside Mortgages. Our expert mortgage brokers have helped hundreds of first-time-buyers in Bromley to obtain their first mortgage and dream home. Once we have all the required information from you, we’ll submit an initial application for you to gain an Agreement in Principle (AIP).
Once we have your Agreement in Principle, we can then proceed to submitting a formal mortgage application to the mortgage lender. It all starts with an initial chat with our team so we can understand your requirements and get you on the road to buying your first property in your chosen location.


Are you coming to the end of your current mortgage deal? This is a great opportunity to review alternate mortgage deals and rates to identify further opportunities to suit your needs, circumstances and preferences.
It’s advisable to start looking into a remortgage approximately 6 months before your current deal comes to an end. This gives you plenty of time to explore the market and achieve better rates. Whether you’re looking to free up more capital to enjoy life or make further home improvements, you may benefit from a remortgage.
There are plenty of options to consider. We may be able to get you a better deal with your current lender or decide to go elsewhere to an alternate lender. Fortunately, Thameside Mortgages have a plethora of connections to over 90 lenders.
Fixed-rate and variable-rate remortgages are your two main options to consider. Fixed-rate mortgages may be the best option for you if you’re seeking consistency in your outgoings on a monthly basis. Get in touch with us today and we’ll be delighted to help you with your remortgage.

Home Mover Mortgages

Thameside Mortgages can also help with home mover mortgages in Bromley and the South East of England. Home mover mortgages can usually involve porting (moving) your mortgage to a new property.
If you’re moving to a new property that is considerably higher in value, this type of mortgage can come into play. With the help of our professional and accredited mortgage brokers, the process of your home mover mortgage is simplified. We deal with everything from submitting your application, obtaining an Agreement in Principle (AIP), communicating with estate agents, solicitors, and finding you the right deal.

Buy to Let Mortgages

Buy-to-let mortgages, also known as investment mortgages, are popular for landlords looking to invest in property and potentially benefit from additional income. Generally speaking you would require a 25% deposit to obtain a buy to let (BTL) mortgage although there are some lenders who can consider less, for the right client/situation.
BTL mortgages are calculated in one or two ways. Firstly, they may be calculated by assessing the amount of rent the property is likely to generate on a monthly basis. The other way BTL mortgages may be calculated is by stress testing to analyse how much a landlord can afford to borrow.
Whether you are looking to acquire a BTL mortgage for the first time or further expand your portfolio, we are here to help.

Get In Touch Today

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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…

  • 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

    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 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
  • 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

    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

    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
  • 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

    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 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
  • 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 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

    Andrew & Laura were amazing at Thameside Mortgages. They were able to secure us a mortgage after we purchased the property, so only a few lenders were available to us. We were happy with the mortgage they recommended. The conveyancer wasn't the best, but Andrew & Laura pushed that side too. This is the second mortgage I've got through Thameside Mortgages and I will definitely use them again! Can't recommend them enough. Fantastic service, always available and happy to help. Thanks guys 🙂

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

    Chris Lewis Avatar Chris Lewis

    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

    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
  • 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

    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

    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
  • We used Thameside Mortgages for the purchase of our first home. We had both a professional and brilliant service from Andrew and his team. I would highly recommend Thameside Mortgages. They go above and beyond and guided us through the whole process. Thank you so much Andrew.

    Alice Gedge Avatar Alice Gedge

    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 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
  • 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

    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

    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
  • 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

    The team went above and beyond to help us secure the best possible rate. During what was a difficult time for us, they’ve been so supportive and empathic. Their work is delivered with pedagogy and transparency, for customers to understand relevant details and take informed decisions with confidence. I strongly recommend their mortgage services.

    Mikhaël Mazu Avatar Mikhaël Mazu

    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 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

    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

    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

Your 5-Star Rated Mortgage Broker In Bromley

Thameside Mortgages in Bromley offer a wide range of mortgage and protection services. Whether you’re a first-time-buyer or looking for a remortgage, we are your mortgage broker in Bromley providing a fully personable and comprehensive service. We have a fantastic reputation in the area with over 200+ 5-star reviews left by satisfied customers. It all starts with a FREE no-obligation initial chat with our team.

When should I contact a mortgage broker in Bromley?

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

  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.

How do I choose the most suitable mortgage?

Thameside Mortgages operates as a mortgage broker with access to an extensive range of mortgage lenders and products. This enables us to assist our clients in finding the right mortgage deal tailored to their individual circumstances.

Here’s how we leverage our access to over 90 lenders to secure the ideal mortgage for our clients:

  1. Initial consultation: We initiate the process by conducting an initial consultation with our clients to gain a comprehensive understanding of their unique circumstances, including their income, credit history, and property preferences.
  2. Mortgage search: Drawing on our database of more than 90 lenders, we conduct a thorough search to identify mortgage products that align with our clients’ specific needs and circumstances.
  3. Comparison and recommendation: After shortlisting several suitable mortgage products, we compare them side by side, taking into account our clients’ individual circumstances and preferences. We then provide well-informed recommendations to our clients.
  4. Application process: If our clients agree with the recommended mortgage product, we guide them through the application process. This involves assisting with paperwork completion, submitting the application to the lender, and providing any additional documentation or information required.
  5. Ongoing support: Beyond the mortgage approval, we remain committed to supporting and advising our clients throughout the mortgage term. We assist in managing mortgage payments and keep our clients informed about any pertinent changes or updates that may affect their mortgage.

Overall, our extensive network of lenders allows us to offer our clients a diverse range of mortgage products. By doing so, we streamline the search process, saving our clients time and effort, and increasing the likelihood of securing a favourable mortgage deal.

How long does it take to process a mortgage application?

The timeline for processing a mortgage application can vary based on various factors, including the nature of your application, the type of mortgage product sought, and the efficiency of the lender’s procedures. Here’s a general overview of the mortgage application process:

  • Initial application: We’ll already have the majority of the information required to complete your application, meaning we’ll complete the application for you, saving yourselves hours of talking with representative at the bank for hours, or making an appointment in a branch in the town next to you. We will alleviate much of the stress because we handle the application process on your behalf and make sure it’s completed correctly. 
  • Documentation: You’ll need to provide supporting documents, such as proof of income, bank statements, and identification, but we’ll provide everything to the lender in the format they need it in. The duration for this step can range depending on how quickly you gather and submit the required documents. 
  • Valuation: The lender will conduct a property valuation to ensure its value aligns with the loan amount. The duration for this step varies based on the type of valuation conducted and typically takes a few days to a week.
  • Underwriting: The underwriting process involves evaluating your application to determine if you meet the lender’s approval criteria. This step’s duration ranges from a 3-5 working days, depending on the application’s complexity and the workload of the underwriting team.
  • Offer: If your application is approved, the lender will issue a mortgage offer, which can take a few days, depending on the lender’s internal processes.

How much deposit do I need for a mortgage?

The deposit required for first-time buyers is determined by various factors, including the property price and mortgage eligibility. Typically, most mortgage lenders will expect a minimum deposit of 5% of the purchase price. However, if you have the means to provide a larger deposit, you may gain access to more competitive mortgage rates and a broader range of mortgage options.

As a reference, a house price of £255,000 would require a 5% deposit of £12,750. It’s essential to note that house prices can vary significantly based on the location.

Government schemes, such as Shared Ownership, are available to assist first-time buyers in entering the property market. These schemes may require a smaller deposit compared to a standard mortgage, but they have their own eligibility criteria and terms and conditions to consider.

When should I contact a mortgage broker in Bromley?

You can contact our mortgage brokers in Bromley –  at any time during your home buying journey. Many people choose to speak with us before they start looking for a property, as this can help them understand what they can afford and give them a good idea of what their mortgage options are.

Our mortgage brokers can provide you with valuable advice and support throughout the entire mortgage process, from helping you choose the right mortgage product to submitting your application and guiding you through the legal process.

What is a fixed-rate mortgage?

A fixed-rate mortgage is a type of mortgage where the interest rate remains the same for the entire term of the loan, usually between 10-30 years. This means that the borrower’s monthly mortgage payment remains constant, providing stability and predictability in budgeting for the mortgage payment over time. The fixed interest rate is set at the beginning of the loan and does not change, even if interest rates rise or fall during the loan term. Fixed-rate mortgages are a popular choice for homebuyers who want to have a predictable mortgage payment and protect against potential interest rate increases.

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