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
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
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…
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.
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
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.
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!
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!
We’ve been using Andrew for over 10 years, the service, knowledge and expertise he provides is exceptional! From our first time mortgage to re-mortgage, Andrew has always obtained extremely competitive rates vs what you would find on the market and is extremely responsive throughout the process. We also have our life insurance policies with Andrew, which we have found to be incredibly competitive. All around a great team and I would highly recommend Thameside Mortgages to anyone.
We've bought our first home with Thameside Mortgages and it was a wise decision to choose them over others. Andrew made sure that everything is done for us and helped us beyond our expectations. Both he and Laura are very responsive, professional and welling to help anytime is needed. Our journey was a long one, being a chain but they stood side by side with us the whole process even in this difficult time. If I should choose again I would definitely choose them again. I recommend them 100%. Well done Thameside Mortgages 👌
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.
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.
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!
Thameside were amazing! Made the process completely stress free and felt informed throughout. I’ll go with them every time.
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.
Excellent service. Helped me through the process of finding best mortgage deal. Cant recommend them enough.
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!
First class and professional service. The advice given on various mortgage products, terms and insurance options were excellent. Throughout the sale/purchase they were in constant contact with my solicitor and estate agent, and kept me up to date regularly. Would highly recommend.
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.
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!
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 😊
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.
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.
Fantastic guidance and service all the way through the process of our purchase. Very quick to respond to our questions and would certainly recommend.
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
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.
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.
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 🙂
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
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!
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.
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.
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!
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:
- 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.
- 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.
- 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.
- 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.
- 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:
- 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.
- 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.
- 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.
- 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.
- 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.