MORTGAGE BROKER BROMLEY
TRUSTÂ Â |Â Â INTEGRITYÂ Â |Â Â HONESTY
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

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
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…
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.Â
- 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.Â
- 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 –Â 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.