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03455 120 125




Mortgage Brokers covering Gravesend 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

As your 5-star-rated mortgage broker in Gravesend, we understand the importance of feeling involved, informed, and confident throughout the mortgage process.

That’s why our small, friendly team will work with you personally from start to finish, ensuring that you’re never left in the dark or pushed into a product you’re unsure about.

Our commitment to putting our customers first is what sets us apart from other brokers, and it shows in our hundreds of 5-star reviews. We genuinely care about your unique situation and will take the time to listen and understand your needs before offering tailored advice and solutions.

If you’re looking for a mortgage broker in Gravesend and the surrounding areas who will treat you with the respect and attention you deserve, get in touch with us your trusted mortgage broker in Gravesend today for a no-obligation chat. 

First-Time Buyer Mortgages

As a first-time buyer, you are embarking on an exciting yet overwhelming journey of purchasing your first home. 

At Thameside Mortgages, we understand the challenges of this experience and are here to assist you as your 5-star rated mortgage broker in Gravesend and the surrounding areas.

With access to more than 90 lenders, we can identify the most appropriate products to obtain the right mortgage deal for you as a first-time buyer. Our knowledgeable mortgage brokers have already helped numerous first-time buyers in Gravesend and the surrounding areas to secure their initial mortgage and dream home.

Our process commences with an initial conversation with one of our small, but friendly team, to understand your needs and preferences to guide you towards purchasing your first home in the location of your choice. 

Following this, we’ll submit an initial application to obtain an Agreement in Principle (AIP). Once your offer on a property is accepted, we will move forward with submitting a formal mortgage application to a mortgage lender.


Remortgaging involves transferring your current mortgage to a new lender or deal with your existing lender, offering new terms and the possibility of borrowing more money. This process can help reduce your monthly payments, release equity from your property, or consolidate other debts. 

It is usually considered when your existing mortgage deal is about to expire or when better deals are available in the market.

Thameside Mortgages, your trusted mortgage broker in Gravesend and the surrounding areas, can simplify the remortgaging process for you and help determine if it’s the right option for your financial situation. 

It’s best to start considering a remortgage at least 6 months before your current agreement expires to allow enough time to explore alternative lenders and negotiate better mortgage rates.

With our extensive knowledge and access to over 90 lenders, we can identify the most suitable remortgage products for you. You can choose between fixed-rate or variable-rate mortgages, depending on your preferences and goals. Fixed-rate mortgages provide stability in your monthly expenses and may be a better option if you prefer predictability.

Home Mover Mortgages

A home mover mortgage is designed for those who already own a property and wish to move to a new one. If you are currently in a mortgage deal, it may be wise to “port” your existing mortgage to avoid early repayment charges, which can be expensive. 

Porting involves transferring your existing mortgage to your new property by meeting the eligibility criteria set by your mortgage lender. Any additional borrowing will be at the rate available at the time of application.

At Thameside Mortgages, our qualified and accredited mortgage brokers in Gravesend and surrounding areas understand that moving homes can be a stressful experience. 

That’s why we simplify the process for you by handling everything from initial application and obtaining an Agreement in Principle (AIP) to liaising with estate agents and solicitors and finding the perfect home mover mortgage to suit your needs and financial situation.

Buy to Let Mortgages

A buy-to-let (BTL) mortgage is different from a residential mortgage because it is specifically designed for people who want to purchase a property with the intention of renting it out to tenants. Unlike a residential mortgage, where the lender is primarily interested in whether the borrower can afford to make their mortgage payments, a BTL mortgage lender will also consider the potential rental income the property could generate.

The rental income can be used to cover the mortgage payments, and the lender wants to be confident that the borrower can generate sufficient income to cover the mortgage. BTL mortgages typically have different interest rates and lending criteria than traditional residential mortgages, as they involve an investment in a property with the intention of generating rental income rather than purchasing a property as a primary residence. 

Typically, a deposit of at least 25% is required to secure a buy-to-let (BTL) mortgage in the UK. However, some lenders may accept a lower deposit, depending on the borrower’s circumstances and financial situation. It’s important to note that a larger deposit may result in better mortgage rates and more favourable terms.

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 really can’t recommend Thameside Mortgages enough. From start to finish, the process was very well explained and completely hassle free. They found me an amazing deal and their communication, responsiveness and support was second to none. A heartfelt thank you to Andrew, Laura and Lydia; keep up the brilliant work.

    David Leece Avatar David Leece

    Andrew and Laura were attentive to all our needs and gave us all the facts to help us make informed decisions. They were more than happy to answer our many many questions and always did so in a very timely manner. We had some issues with our solicitors taking too long to action paperwork but both Andrew and Laura chased things up on our behalf. The support and guidance along the way was definitely appreciated. We shall definitely use Thameside Mortgages again!

    Alison King Avatar Alison King

    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
  • After the purchase of our property we were in search of a good mortgage broker and our estate agent recommended Andrew. After speaking to Andrew we were confident we had found the right person to entrust finding us something as important as our first mortgage. We provided Andrew with all the necessary details and with his extensive experience and knowledge in this field, he was able to find us a very good mortgage deal. It was a pleasure working with Andrew and he was there to help and support us from the initial stages of the mortgage to the final completion day. When we needed to remortgage, Andrew helped us find another good deal, providing the same care and support as before. I would definitely recommend Andrew to anyone who is looking for an experienced and professional yet very approachable and friendly expert broker who will help guide them through the whole mortgage process. Thank you so much Andrew and Lydia for all your help recently.

    Pam Mehroke Avatar Pam Mehroke

    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 👌

    Partene Ramona Avatar Partene Ramona

    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
  • 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

    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

    I had heard great things about Thameside Mortgages before we used them to buy our new home, and they certainly did not disappoint! Andrew and his team were friendly, thorough and efficient from start to finish, which made what initially felt like a daunting process completely stress free. The team went above and beyond on multiple occasions, including to resolve a couple of unforeseen issues that we encountered with our mortgage application, proving that we couldn’t have done it without them! I will definitely be using them again for any future house purchase / remortgage.

    Michaela Peck Avatar Michaela Peck
  • 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

    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 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 used Andrew and team 5 years ago and they were brilliant, I couldn't recommend them enough. Recently used them for my renewal and nothing was a problem and felt easy to complete. First class hassle free!!

    Shaun Bradford Avatar Shaun Bradford

    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

    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
  • 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

    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

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

    matt grix Avatar matt grix
  • I 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

    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 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
  • 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!

    William McCann Avatar William McCann

    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

    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
  • 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

    Couldn't recommend Thameside Mortgages enough, both Andrew and Laura have and continue to be a huge support in the process for us. We have been kept up to date at all times, provided as much information as possible and have received helpful responses to any queries we have had. They have made a stressful process much easier and we couldn't have wished for a better service.

    Laura Ward Avatar Laura Ward

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

    Chris Lewis Avatar Chris Lewis

    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 provided an exceptional service and my partner and I are extremely grateful for their services. They were both on hand to answer any questions or queries without hesitation and provided clear, concise and accurate information. As first time buyers and with one of us being self employed, it proved extremely difficult for us to get a mortgage (especially in a pandemic), however Laura and Andrew both went above and beyond to ensure we were looked after and for that we are extremely thankful.

    Hazel McCarthy Avatar Hazel McCarthy

Why Choose Thameside Mortgages Gravesend?

Thameside Mortgages is a highly rated mortgage broker serving Gravesend and the surrounding areas. Here are a few compelling reasons to choose us:

  1. Expertise: Our team of qualified and experienced mortgage advisors possess an in-depth knowledge of the UK mortgage market, and can guide you through the entire process of finding the right mortgage product for you.
  2. Personalized service: We believe in offering a personal service, taking the time to understand your individual circumstances and tailoring our advice to your specific needs.
  3. Wide lender network: We have access to over 90 mortgage lenders in the UK, enabling us to source the best deals and products for your unique financial situation and goals.
  4. Simplified process: Applying for a mortgage can be a daunting task, but we streamline the process for you by handling all paperwork and administrative tasks on your behalf, and keeping you informed at every stage.
  5. Strong reputation: With many satisfied customers who have benefited from our expert advice and support, we have built an excellent reputation in the mortgage industry.

Get In Touch Today

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Why should I use a mortgage broker in Gravesend?

It’s no secret that mortgages are one of the biggest financial commitments you’ll ever make. Therefore, it makes total sense that you acquire professional advice and assistance from a local mortgage broker in your area. There are often thousands of products available to you and it can get overwhelming quite quickly. However, when you decide to use qualified mortgage brokers, you benefit in more ways than one. Below is why it’s essential to use a local mortgage broker:

  1. Convenience: Dealing with a local adviser can be more convenient than dealing with a remote adviser, drop off paperwork, and get updates on your application more easily.
  2. Supporting your local Community: A local mortgage adviser is more likely to have roots in the community. They may have established relationships with local estate agents, solicitors, and surveyors, which can help speed up the home buying process. Additionally, a local adviser can offer face-to-face meetings, which can provide a more personal and tailored service, and give you the opportunity.
  3. Ongoing support: A local mortgage adviser can provide ongoing support beyond the initial mortgage application, such as advice on remortgaging or renewing your mortgage. They can also keep you informed of any changes in the local property market that may affect your mortgage.

What is a fixed-rate mortgage?

We are commonly asked; why use a mortgage broker in Gravesend? Here is your answer…

A fixed-rate mortgage is a type of mortgage where the interest rate remains the same for a set period of time, typically between two and ten years. This means that the borrower’s monthly mortgage payments will remain the same for the entire fixed-rate period, regardless of any changes in the Bank of England’s base interest rate or other economic factors.

At the end of the fixed-rate period, the mortgage usually reverts to the lender’s standard variable rate (SVR), which can result in a significant increase in the borrower’s monthly payments. Borrowers may choose to remortgage or switch to a different type of mortgage before the end of the fixed-rate period to avoid this potential increase.

Fixed-rate mortgages can provide borrowers with stability and predictability in their monthly mortgage payments, making it easier to budget and plan for the future. However, the initial interest rate for a fixed-rate mortgage may be higher than that of a variable-rate mortgage, and borrowers may miss out on potential savings if interest rates decrease during the fixed-rate period.

What is the typical length of a mortgage term?

The typical length of a mortgage term can vary depending on several factors, including the type of mortgage, your age, and your financial situation. However, the most common mortgage term lengths are between 25 and 35 years.

It’s important to note that the length of your mortgage term can affect the amount of interest you’ll pay over the life of the loan. Longer mortgage terms may result in lower monthly payments, but you’ll pay more in interest over time. Shorter mortgage terms may have higher monthly payments, but you’ll pay less in interest over the life of the loan.

It’s also worth noting that some lenders may offer shorter or longer mortgage terms, depending on your individual circumstances. For example, if you’re older or have a shorter time left until retirement, some lenders may offer a shorter mortgage term to ensure that you can pay off your mortgage before you retire.

Ultimately, the length of your mortgage term will depend on your individual financial situation and goals. You may want to consult with a mortgage broker to help you determine the best mortgage term length for your needs.

Do you provide mortgage protection?

Absolutely! As your local mortgage broker in Gravesend, we are dedicated to helping you achieve your dream of homeownership. 

However, we understand that owning a home is a long-term commitment, and we take our responsibility seriously in ensuring that you remain in your home for many years to come.

One crucial aspect of this commitment is helping you to remain financially resilient throughout your life. We understand that life is unpredictable, and unexpected events can have a significant impact on your finances. That’s why we work with you to identify potential risks and develop a plan to help you mitigate them.

Our team of experts can assist you in evaluating your financial situation and provide you with recommendations to help you remain financially resilient. We will work with you to ensure that you have the necessary protection in place to secure your financial future and provide you with peace of mind.

We take great pride in our commitment to helping you achieve your homeownership goals while also ensuring that you remain financially secure throughout your life. Please do not hesitate to contact us to discuss your options further. 

We are here to support you every step of the way.

How long does it take to process a mortgage application?

The time it takes to process a mortgage application can vary depending on several factors, including the complexity of your application, the type of mortgage product you’re applying for, and the efficiency of the lender’s processes. Here’s a rough timeline of the mortgage application process:

  • Initial application: This can take anywhere from 30 minutes to an hour to complete, either online, over the phone, or in person. Using a broker can certainly take most of the stress away from this as they will deal with the application process for you. 


  • Documentation: You’ll need to provide supporting documentation to your lender, such as proof of income, bank statements, and identification. This process can take a few days to a week, depending on how quickly you’re able to gather and submit the required documents. A broker will be able to confirm what documents you will need, and in what format the lender will accept.
  • Valuation: Your lender will need to value the property you’re buying to ensure it’s worth the amount you’re borrowing. This can take a few days to a week, depending on the type of valuation being conducted.
  • Underwriting: This is the process of assessing your application and determining whether you meet the lender’s criteria for approval. This process can take anywhere from a few days to a few weeks, depending on the complexity of your application and the workload of the underwriting team.
  • Offer: If your application is approved, your lender will issue a mortgage offer, which can take anywhere from a few days to a few weeks, depending on the lender’s processes.

Overall, the mortgage application process can take anywhere from a few weeks to several months, depending on the complexity of your application and the efficiency of the lender’s processes. To help ensure a smooth and timely application process, it’s important to work closely with your broker, respond promptly to any requests for information or documentation, and be prepared to ask questions or seek clarification as needed.

What documents will I need to provide?

When you apply for a mortgage, you will typically need to provide several documents to support your mortgage application. These may include:

  • Proof of income: This may include recent payslips, P60 forms, or tax returns if you’re self-employed. Your lender will use this information to assess your affordability and ensure you can repay the mortgage.
  • Bank statements: You’ll typically need to provide 3 months’ worth of bank statements to demonstrate your income and outgoings. This can help your lender to assess your affordability and determine whether you can afford the mortgage repayments.
  • Identification: You’ll need to provide proof of your identity, such as a passport or driving licence, as well as proof of your address, such as a utility bill or council tax statement.
  • Property details: You’ll need to provide details of the property you’re buying, including the address, purchase price/value, and any other relevant information.
  • Employment details: You’ll need to provide details of your current employment, including your job title, salary, and length of employment.
  • Existing debts: You’ll need to provide details of any existing debts or financial commitments, such as credit card balances, car loans, or student loans.
  • Insurance details: You may need to provide details of any insurance policies you hold, such as life insurance or buildings insurance.

The specific documents required may vary depending on your individual circumstances and the lender’s requirements. A mortgage broker will be able to provide you with a detailed list of the documents you’ll need to provide as part of your mortgage application.

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