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03455 120 125




Mortgage Brokers covering Dartford 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

With a wealth of knowledge and experience, Thameside Mortgages are your highly rated, trusted, local mortgage broker in Dartford.

We pride ourselves on the exceptional service and reassurance we provide to our clients through every step of the journey, right through to completion.

We know that choosing the right mortgage is more than just finding the best rate. With thousands of mortgage products from over 90 mortgage lenders, our clients’ best interests are at the heart of everything we do, every single time.

We are proud to be your 5-star rated mortgage broker in Dartford and the surrounding areas.

First-Time Buyer Mortgages

Thameside Mortgages are the local expert for first-time buyer mortgages in Dartford and the surrounding areas.
Buying your first property can be a daunting and overwhelming experience, but when you have a locally trusted and highly rated mortgage broker guiding you from start to finish, it can be transformed into an enjoyable one.
The first step to securing your first-time buyer mortgage is arranging a no-obligation consultation with our mortgage experts in Dartford.
We will help you understand how much you can borrow, the costs of buying a property, and the likely monthly payments. We can obtain an Agreement in Principle (AIP) which you can use to show estate agents you are ready to make an offer on a property.
We’ll help liaise with your estate agent where they require you to be ‘financially qualified’ and we also work closely with local and experienced solicitors enabling us to offer reassurance throughout the process.
Our experts will advise you with the various forms of protection, such as life assurance, income protection, critical illness, and home insurance too, ensuring all aspects of the First Time Buyer process are covered under one roof.
Once your offer has been accepted, the next stage will be to secure the best mortgage deal.


Our qualified mortgage experts provide professional assistance with remortgages in Dartford. As mortgage rates have risen significantly since the turn of 2022, getting the right advice has never been more important.
Thameside Mortgages will offer the right advice and reassurance to help you decide on the best mortgage available to you from the thousands of products out there from more than 90 different lenders. We’ll also invariably have access to your existing mortgage lender, so you have the reassurance of being provided with the best advice.
If you’re looking to raise funds for home improvements, we can add this at the same time. If your current mortgage has 6 months or less before the end of the current deal, book a free, no-obligation consultation with one of our experts.

Home Mover Mortgages

Our mortgage brokers in Dartford will help you secure home mover mortgages if you are relocating. If you are purchasing a property of higher value, you’ll need to access the home mover mortgage market which is what we can help with.
The first step is to obtain a valuation on your property with an estate agent. It is likely that you already have a mortgage and may be tied into a fixed rate with your current lender, which we can help with.
Moving home can be a stressful experience which is why Thameside Mortgages cover the whole process for you including dealing with estate agents, solicitors, paperwork, and further legal forms. It’s our mission to make the transition into your new property an easy and stress-free experience.

Buy to Let Mortgages

Buy to let mortgages – also commonly referred to as investment mortgages – are a great way to help secure your financial future. If you’re looking to create additional income, renting our property is a great way to achieve that. But of course, before you can do that, you need the help of approved mortgage brokers to help source and secure you the best possible deal. Thameside Mortgages are highly experienced in dealing with buy to let mortgages.
Our mortgage brokers can help to secure you a fixed-rated mortgage which is usually the best option for both you as the investor and also the renters. This is because monthly payments will be the same over the course of 2-5 years, or longer in some circumstances, which provides security for all parties.

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'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

    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!

    Lauren Cosgrove Avatar Lauren Cosgrove

    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
  • 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

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

    Henry Kidman Avatar Henry Kidman

    Andrew and Laura have been very helpful every time we have spoken to them. They have quickly processed our transactions and responded to any issues immediately. We highly recommend Thameside Mortgages and all the services they offer. Thank you for helping us through our recent propert purchase.

    Gilly Wright Avatar Gilly Wright
  • 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 have been fantastic. They helped me through the whole mortgage process and were totally supportive. I was not only trying to buy a house but also remortgage my old one at the same. I can t tell you how stressed I was but Andrew and Lydia were amazing and walked me through the whole process. They will always do their best to help you. Believe me you are in safe hands with them. Thanks Sharon

    Shaz Call Avatar Shaz Call

    Andrew and his team were so helpful, quick and professional and once we moved into our new home they sent us the most amazing welcome gift. I can highly recommend them to everyone. A massive thank you for making our mortgage process for our first home so smooth and easy!

    Whitney Osman Avatar Whitney Osman
  • I am so glad that we worked with Thameside Mortgages for the purchasing of our first home. From initial enquiries, guidance whist making an offer on the house, to getting a mortgage offer & insurance options, we cannot fault their service! Jason always made us feel informed, in control and aware of all our options. 10/10 and we would definitely recommend to our friends and family! Thameside eliminated all the fears & stress we thought we would have, and made the experience easy and clear. Thank you very much!

    Sainimili Kata Avatar Sainimili Kata

    I 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

    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
  • 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

    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.

    Christian Willmore Avatar Christian Willmore

    Thameside Mortgages have been nothing but patient, informative and thorough. Andrew and Laura have been great, providing continued support and really taking the time to explain all the questions we sent their way. Their knowledge and expertise is apparent straightaway. Would highly recommend!

    Rosie Woods Avatar Rosie Woods
  • 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

    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 has dealt with our mortgage and remortgage since we bought our first home 12 years ago. The service and advice is always spot on, hence why we always return without question. It's peace of mind knowing we can trust Thameside to take care of everything and give us the advice we need.

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

    Alan King Avatar Alan King

    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

    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
  • 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

    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

    Andrew and Laura at Thameside Mortgages were incredibly helpful in guiding me through the home buying process. They answered all of my questions and were in regular communication with me throughout. They were invaluable with also helping to communicate with my solicitor to ensure that my purchase went well. I can highly recommend them to anyone looking for a friendly, knowledgeable and professional advisor.

    yordanos yimmesghen Avatar yordanos yimmesghen
  • I've used Andrew from Thameside Mortgages twice now, i'd highly recommend his service. The information provided was very in-depth and easy to understand. My most recent mortgage offer was about to complete, when Andrew called and had found a better rate and saved us more money which was a lovely surprise 🙂 Would use his service again!

    matt grix Avatar matt grix

    Andrew & 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.

    Nicholas Anscombe Avatar Nicholas Anscombe

    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
  • 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

    We have used Thameside Mortgages now for six of our remortgages over many years. Andrew and his team have been absolutely outstanding. They have always delivered on the best mortgage for us, based on our changing family circumstances, and also have brought ideas and advice that has been extremely helpful to guide us in making the best choice. What has been very impressive is that they are focused on a long-term relationship, not simply a quick commission, and have a few times taken us to mortgage offer stage, where we have backed out for various personal reasons, and they have not asked for any payment for much time and effort on their part getting that far in the process. I am reassured to know where to go for our mortgage advice!

    J Avatar J

    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.

    Philip Ismail Avatar Philip Ismail

Your 5-Star Rated Mortgage Broker In Dartford

With almost 200, 5-Star Reviews on Google and other sites, Thameside Mortgages are your locally trusted mortgage broker in Dartford, fully committed to providing excellence throughout the customer journey. We pride ourselves on building trusted relationships with our clients and educating them to make the right decisions.

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What is a fixed-rate mortgage?

A fixed-rate mortgage is a mortgage type in which the interest rate remains unchanged for a specific duration, typically ranging from two to ten years. This ensures that the borrower’s monthly mortgage payments remain constant throughout the entire fixed-rate period, regardless of any fluctuations in the Bank of England’s base interest rate or other economic factors.

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

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

What is a variable-rate tracker mortgage?

A tracker rate mortgage is a mortgage type where the interest rate is linked to an external benchmark, typically the Bank of England’s base rate. The interest rate on a tracker mortgage fluctuates in sync with the benchmark rate, which means that if the base rate increases or decreases, the interest rate on the mortgage will also rise or fall accordingly.

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

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

How long does a mortgage application take?

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 will complete the majority of the application for you, saving you the time and effort of dealing with representatives at the bank or making appointments in distant branches. We handle the application process on your behalf, alleviating stress and ensuring it is completed accurately.
  • Documentation: While you’ll need to provide supporting documents like proof of income, bank statements, and identification, we will assist you in preparing and presenting everything to the lender in the required format. The duration of this step varies based on how quickly you gather and submit the necessary documents.
  • Valuation: The lender will conduct a property valuation to verify its value aligns with the loan amount. The duration of this step depends 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 usually takes around 3-5 working days, considering the complexity of the application and the workload of the underwriting team.
  • Offer: If your application is approved, the lender will issue a mortgage offer, which typically takes a few days, depending on the lender’s internal processes.

Overall, the mortgage application process typically takes 1-2 weeks from application to mortgage offer, considering the complexity of your application and the efficiency of the lender’s procedures.

It’s important to note that when considering the legal work involved, a remortgage can take approximately 5-6 weeks to complete from start to finish, while a purchase can range from 2-3 months up to 5-6 months, depending on the complexities of the chain.

How do I find 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 begin 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 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.

Is your mortgage advice independent?

If you receive advice from a mortgage broker or independent financial adviser, just like Thameside Mortgages, they may provide independent advice. This means they are not tied to a particular lender or product and are able to recommend mortgages from a range of lenders to suit your individual circumstances.

On the other hand, if you seek advice from a bank or building society, their advice will be limited to their own products and services, and they may not offer advice on mortgages from other lenders.

What's the typical length of a mortgage term?

The length of a mortgage term can vary depending on factors such as the type of mortgage, your age, and your financial situation. However, the typical range for mortgage terms is usually between 25 and 35 years.

It’s important to understand that the duration of your mortgage term can impact the total amount of interest you’ll pay over the life of the loan. Longer terms generally result in lower monthly payments but result in higher overall interest costs over time. Conversely, shorter terms may involve higher monthly payments but can save you money on interest payments in the long run.

It’s also worth noting that lenders may offer different mortgage term options based on individual circumstances. For example, if you’re closer to retirement or have a shorter time until retirement, some lenders may offer shorter terms to ensure the mortgage is paid off before you retire.

Ultimately, the choice of mortgage term depends on your unique financial situation and goals. Seeking guidance from a mortgage broker can be helpful in determining the most appropriate mortgage term length for your specific needs.

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