Chat With Us

Call Us

03455 120 125

Chat With Us

Call Us

03455 120 125

 

MORTGAGE BROKER BROMLEY

TRUST   |   INTEGRITY   |   HONESTY

Mortgage Brokers covering Bromley and the surrounding areas

Why Choose Us?

review-min

Outstanding customer service

Over 200 5* reviews about our efficient and personalised service

experience-min

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.

Remortgages

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

Contact Us

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…

  • The whole process was quick, efficient and hassle free. Andrew is always a pleasure to deal with and finds the best option for your needs and offers clear advice throughout. I have recommended Thameside Mortgages to friends and will continue to.

    james goldfinch Avatar james goldfinch
    15th July 2024

    Andrew at Thameside mortages has been brilliant in helping us secure great mortgage deals for my last 2 properties. He provides straight forward, honest advise and makes what can be a complex process very easy. Our most recent remortgage has been complex due to our requirements for an expat buy-to-let mortgage, but Andrew has been very thorough and persistent is scouring the market for the best deal that suits our financial needs.

    Faris Pervez Avatar Faris Pervez
    16th June 2024

    As a first time buyer Andrew made the process seamless for me. He explained everything to me from my mortgage in principle to completion and answered all my questions (I had a lot!). I would recommend Thameside Mortgages to everyone and anyone!

    Louise Houghton-Campion Avatar Louise Houghton-Campion
    16th June 2024

    Andrew worked very diligently and quickly to secure us a good deal and explained everything in clear and understandable terms. This is the 4th or 5th time I have used Andrew and I would definitely recommend him to anyone - always available, lots of good advice, proactive with the lender trying to push everything through. 5 stars

    Charlie Riddell Avatar Charlie Riddell
    16th June 2024

    I’m so grateful for all of Thames Mortgages help throughout the process of buying our home. It wasn’t an easy purchase, but Andrew and the team have been so supportive throughout and we couldn't have met our deadline we wanted to meet without their helping. Thank you so much. Lexy

    Lexy Besterman Avatar Lexy Besterman
    16th June 2024

    Andrew and his team have proven to be invaluable in helping me secure a great deal on my mortgage for both Buy-to-Let and residential properties. They consistently go above and beyond to ensure their clients receive the best possible service. When it was time to remortgage, Andrew reached out to me and gave me the confidence that they were committed to finding the best deal. They searched diligently and were able to secure me an absolute fantastic offer. Throughout the entire process, they have been extremely helpful, friendly, and readily available around the clock to assist me. They keep us informed and involved whenever applicable, ensuring that we have a clear understanding of all discussions and decisions. Their unwavering support and exceptional assistance have earned our utmost appreciation. Without hesitation, I highly recommend Thameside Mortgages to anyone looking for assistance with their mortgage needs. Their professionalism, dedication, and expertise make them the perfect choice for anyone looking for mortgage, Lfe policies etc.,

    P K Avatar P K
    16th May 2024
  • I’ve just completed my remortgage with Thameside and highly recommended. They constantly checked the market to ensure we got the best rate in these challenging times, and were always on hand to explain anything I didn’t understand.

    Safeya Abou-Zeid Avatar Safeya Abou-Zeid
    16th March 2024

    Very professional always available when you need help. very happy I highly recommend them to anyone that wants to get a mortgage.

    Arber Krasniqi Avatar Arber Krasniqi
    16th February 2024

    The Thameside Mortgages are incredible.They are extremely helpful and supportive.They have an extremely supportive and helpful staff who helped in every way possible.I recommend Thameside Mortgages to everyone who is looking!

    Nand Pandey Avatar Nand Pandey
    16th February 2024

    I worked with Andrew and Laura at Thameside Mortgages when purchasing my first home. The help and guidance I received was fantastic. Andrew was responsive and knowledgeable, and he was able to explain things simply to me. Would highly recommend to any first time buyers! Thank you both.

    Lucy Edmondson Avatar Lucy Edmondson
    16th February 2024

    Very helpful and go the extra mile to get you the best deal possible .

    mark melbourne Avatar mark melbourne
    16th December 2023

    We were originally introduced to Andrew by a friend and we never looked back following our first introductory meeting. Our purchase was complicated by being based overseas, having an existing property in the UK, and other factors that meant certain mortgage products weren't suitable for our circumstances. Andrew took the time to understand our needs and tailored his advice accordingly, leveraging his comprehensive knowledge of the products available particularly during the fast-changing market as interest rates spiked. His personalised approach and patience ensured we understood the options available and enabled us to structure our purchase in a way that was optimal for us. It was evident that Andrew had our best interests at front of mind to build a trusted and lasting relationship. We'll definitely be using Andrew again when we look to remortgage in the future and for advice regarding the other insurance services he provides.

    MD Avatar MD
    16th November 2023
  • Can't fault the service we got from Jason and Laura. Highly recommend Thameside Mortgages. Thank you both for your hard work.

    Kate Brewer Avatar Kate Brewer
    16th November 2023

    We were referred Andrew & Laura by a friends who has recently bought their first home and we are so glad they did! As first time buyers this was all new and scary to us but Andrew reassured us and made things so easy every step of the way. He proactively updated us and explained things so clearly. They have exceeded our expectations not just by helping us find a mortgage suitable for us but also sorting out all our insurances making the process stress free. Even once we got the keys to our home we received a lovely new home hamper and the attention to detail was fantastic! Thank you Thameside Mortages!

    Jade Leonard Avatar Jade Leonard
    16th November 2023

    Andrew and Laura have been a great support throughout my (long!) process of buying and selling. Andrew has always made the options available to me in terms of various mortgages or insurance crystal clear so I understand everything clearly as I am not one naturally with a head for figures. It became overwhelming at times but the Thameside team would help break things down so I got a grasp of everything before making huge decisions. My journey to eventually get to my new home was a bit of a rollercoaster but the team were always patient and supportive when I'm sure at times they were equally as frustrated by the challenges as I was. Above all though, Andrew and Laura (and Zoe) are all thoroughly nice people and that in itself is priceless.

    Nicola R Avatar Nicola R
    16th October 2023

    My mortgage renewal was made very easy and feel I got a good deal considering the current market, thank you for kindness and help to do this! 😊

    Emily Dyett Avatar Emily Dyett
    16th October 2023

    A friend of mine recommend Thameside Mortgages and after obtaining my mortgage I will do the same in the future to anyone I know who's looking for a mortgage broker. Thank you Andrew and Laura, you've been brilliant!

    Bradley Avatar Bradley
    16th October 2023

    Great service and fantastic communication. Very happy

    charly wild Avatar charly wild
    16th October 2023
  • Our experience with thameside was very very good. Andrew and Laura were very helpful and supported me and my partner throughout the whole mortgage process which made it a lot easier than we first feared. We would highly recommend thameside to anyone in a heartbeat. We wouldn’t have been able to get through without them both.

    Luke Whittle Avatar Luke Whittle
    16th September 2023

    Massive thanks to Andrew and Laura. Couldn’t fault either of them, helped me throughout the entire process from getting the price range I wanted all the way to completion and making sure my insurance was all set up and everything was ready for when it needed to be! Couldn’t recommend anyone better!

    Harry Frolich Avatar Harry Frolich
    16th September 2023

    Myself and my partner spoke to different company’s before speaking to Andrew and Laura at Thameside Mortgages and was absolutely blown away by the time and effort they put in straight away. They secured us a much better rate then we had previously been offered by 3 other companies and took the time to explain everything to us, as first time buyers we was unsure of the process. Not only securing us a brilliant rate in uncertain times with rates constantly rising but also helping with our life insurance and home insurance policies too. We could not have done this whole process without them and would highly recommend them to anyone in the process of sorting a mortgage!

    April Ward Avatar April Ward
    16th September 2023

    Very efficient and streamlined service. Our mortgage re-application has gone through smoothly and pleased with the service we have received. Would highly recommend.

    Nicola Vander Avatar Nicola Vander
    16th September 2023

    I am so grateful to Andrew and Laura for their guidance through my original mortgage application as well as my recent renewal. They have always been on hand to answer any queries or questions and have made the process as stress-free as possible. I would highly reccomend.

    Holly Rai Avatar Holly Rai
    16th September 2023

    I had the pleasure of working with Thameside Mortgages for my recent home purchase, and I cannot praise them enough for the brilliant job they did. From start to finish, the team at Thameside Mortgages demonstrated exceptional professionalism, expertise, and dedication. Throughout the entire mortgage process, they exhibited a deep understanding of the market and their attention to detail and thoroughness in explaining every step of the process ensured that I felt informed and confident in my decisions. What truly set Thameside Mortgages apart was their personalised approach. They took the time to understand my financial goals and tailored their services accordingly. Their excellent communication and responsiveness made me feel valued as a client, and I never had to worry about any aspect of the mortgage application. I am immensely grateful for the support and guidance I received from Thameside Mortgages. I wholeheartedly recommend Thameside Mortgages to anyone seeking mortgage services, as they truly go above and beyond to deliver outstanding results.

    David Leece Avatar David Leece
    16th August 2023
  • I've know Andrew Sheen for a number of years and he helped us with our remortgage and was very professional, gave excellent advice and knew and understood all our needs and requirements. I would highly recommend him and his company to anyone wishing to use them.

    IBAS RM Avatar IBAS RM
    16th August 2023

    Excellent and very friendly service! Jason helped me to secure my mortgage and was always super quick to respond. As a first time buyer I found his advice incredibly helpful, throughout what ended up being a very long process after one purchase fell through. Andrew was also very helpful when Jason was on leave. I would recommend Thameside to anybody.

    Emily Peddle Avatar Emily Peddle
    16th August 2023

    Amazing service. I couldn’t recommend more highly. Andrew has everything covered and knows his stuff. He has spoon feed me at every step (much needed). Andrew and his team have gone above and beyond for me and I will always be grateful for the advice and support they have given.

    Rebecca Cave-brown Avatar Rebecca Cave-brown
    16th August 2023

    Andrew and his team have been incredibly helpful with our recent mortgage change. They have been very comprehensive with the options available, and guidance has been balanced and clear. Would highly recommend them.

    Rhys Edwards Avatar Rhys Edwards
    16th August 2023

    Excellent service from start to finish. Great communication throughout. Andrew and Laura were very helpful and always at the end of the phone if needed and always kept me updated throughout our process and communicated after ensuring everything went smoothly. Would highly recommend using Thamesside mortgages for a smooth and reliable easy process.

    Carla Marlow Avatar Carla Marlow
    16th August 2023

    Andrew and the team were exceptionally helpful and made a stressful and confusing situation manageable.

    Ed McConnell Avatar Ed McConnell
    16th August 2023
  • Andrew provided an excellent service throughout our mortgage application and house purchase. We felt we got a really good deal through him, and I'd recommend him to anyone

    Sam Tait Avatar Sam Tait
    16th August 2023

    Excellent service by Thameside Mortgages mainly by Andrew. I got two mortgages recently and Andrew helped me all through the process and got best deals on the market in those tough times. He is very much approachable and answered to all my queries with lots of patience and to his best. He is very knowledgeable and made the whole process smooth and simple. A BIG THANK YOU

    D Pingali Avatar D Pingali
    16th July 2023

    Andrew has been absolutely fabulous sorting a first time mortgage for my daughter and her fiancé and also sorting a mortgage for a good friend. I would highly recommend him.

    Jane Gedge Avatar Jane Gedge
    16th July 2023

    Throughout the process, from my initial enquiry and telephone appointment, to his post completion call, I have felt well advised, supported and valued as a customer. With his clear and calm approach, Andrew has a way of making you feel, you are his only client and that nothing is too much trouble, (which is very reassuring to someone whose last mortgage was over 30 years ago). While he was personally recommended to me, I have no hesitation in extending that recommendation further, along with my thanks to him and his team for their excellent service.

    Yvonne Savage Avatar Yvonne Savage
    16th July 2023

    Andrew was very supportive throughout the whole process of remortgaging-uploading the documents was easy and communication was excellent. He sorted any issues out swiftly via WhatsApp. I had issues with the solicitor which he was able to sort out and continued to look into after my mortgage completed.

    Tanya Foreman Avatar Tanya Foreman
    16th July 2023

    Andrew and the team did a fantastic job securing us a good rate during the recent economic turmoil, helping us each step of the way to secure the mortgage. Fantastic service and I would highly recommend them to anyone seeking a mortgage.

    Guy Danielle de Rose Avatar Guy Danielle de Rose
    16th July 2023
  • So so impressed with and grateful for the work of Andrew of Thameside Mortgages. He made every step of buying our dream home as easy as it possibly could be. Andrew was the perfect combination of friendly and professional, keeping us informed throughout such a daunting process. We cannot recommend enough. Ben & Hayley.

    Ben Driver Avatar Ben Driver
    16th July 2023

    A really excellent service in which my advisor (Andrew) took time to really understand my situation, priorities and suggest a product that would work best for me. I really felt treated like a human being - and was shown real patience in how something that feels complicated to me was explained. Andrew asked lots of clear questions and gave me a really clear explanation of what each potential product would mean for me - both verbally and then in writing. Can't recommend highly enough!

    Nick Evans Avatar Nick Evans
    16th July 2023

    Andrew was recommended to me by my Mum who had recently used him and his team for her purchase. I am 20 so am on a learning curve of what’s involved, and Andrew was a perfect choice for all the support I needed to make my first purchase come true! From initially satisfying the mortgage lender, managing the process, and getting to completion which wasn’t straight forward. My initial offer fell through due to the seller, but Andrew and his team kept me on track with reapplying my mortgage offer to another property and extending so it didn’t expire. This also included guidance on a homebuyer’s report and a huge amount of easily explained detail to helpfully understand the importance of mortgage protection. In addition to my daughter’s review above, as her parent, I’d like to add: Andrew helped myself and partner purchase a property which I have already left a review for, but I also wanted to express my gratitude for helping my daughter. Especially at a time when the climate is so turbulent, as always, Andrew and his team went above and beyond what I have experienced from other advisors. I cannot express enough what an exceptional service Andrew and his team provides. His passion, knowledge and client experience shine at every opportunity adapting to suit your needs. Working in user experience, as a client and from a professional point of view, it is clear Andrew has an exceptionally high level of service that he wishes to deliver to all clients which captures that ‘above and beyond’ experience so well. I am truly grateful for successfully helping my daughter take her first, incredibly important step onto the property market. Sincerely, life changing. I will be recommending and using you again whenever opportunity presents itself. Thank you.

    elizabeth shepherd Avatar elizabeth shepherd
    16th July 2023

    Cannot recommend highly enough. Very helpful throughout the whole process and was able to secure a better rate than a free broker.

    Marcel franke Avatar Marcel franke
    16th July 2023

    Andrew and team were brilliant throughout the whole process, and made what could’ve been a very stressful time seem easy. They were so responsive and went out of their way to get our application in quickly to avoid interest rate rises, which made such a difference in such uncertain times. Would highly recommend to anyone and everyone!

    Ellie Joyce Avatar Ellie Joyce
    16th July 2023

    Andrew and his team were not only very knowledgeable and able to find an excellent deal for me, but also incredibly helpful and supportive throughout the whole process. They were very responsive and flexible and made the mortgage application process very smooth and stress-free for me. I will certainly be back for my next mortgage deal!

    Raluca Ion Avatar Raluca Ion
    16th July 2023
  • Andrew and thameside were recommended to us by a friend and we’re glad we contacted them! Andrew was very helpful and provided all the information we needed to make the best decision for us. We were able to secure our first house very quickly and couldn’t be happier!

    Matt Carpenter Avatar Matt Carpenter
    16th July 2023

    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
    9th November 2022

    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
    26th October 2022

    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
    23rd October 2022

    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
    23rd October 2022

    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
    23rd October 2022
  • Both Andrew and Laura were extremely helpful and responsive from start to finish. I highly recommend using Thameside Mortgages, we will definitely use them again.

    Jake Whitford Avatar Jake Whitford
    23rd October 2022

    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
    23rd September 2022

    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
    23rd August 2022

    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
    23rd July 2022

    I had a fantastic experience with Thameside Mortgages, Jason was extremely proactive throughout the entire process and was a pleasure to work with. He was very patient and knowledgeable which helped reassure me as a first time buyer, an absolute asset. All my questions were answered swiftly and he would constantly check in with me throughout what ended up being a long drawn out process. I highly recommend.

    Jordan Shodeinde Avatar Jordan Shodeinde
    23rd July 2022

    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
    23rd July 2022
  • 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
    23rd June 2022

    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
    23rd June 2022

    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
    23rd May 2022

    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
    23rd May 2022

    Thameside Mortgages, Jason Senior Financial Adviser is the most proactive Adviser I have had the pleasure of working with. He helped me not only with the purchase of my Property 5 years ago but also with my Remortgage couple days ago, very versatile with a lot of knowledge and huge experience a really great, amazing person. My e-mail was answered frequently within a minute, he was quick on the document chase. Friendly professional, service, I definitely recommend it. And very decently. Thank you so much Jason.

    stanislaw oleniacz Avatar stanislaw oleniacz
    23rd May 2022

    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
    23rd May 2022

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.

Top
Verified by ExactMetrics