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
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…
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.
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.
We used Thameside Mortgages for our mgt for our new property. We had professional and brilliant service from Andrew and his team. I would highly recommend Thameside Mortgage as they go over and above what I expected from them. Thank you so much Andrew and your team X
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!
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.
My partner and I have used Andrew and his team several times now and will continue to do so, or recommend him, wherever possible. Whether it’s a mortgage, buildings, contents or life insurance, Andrew and his team, without fail, go above and beyond in delivering an exceptional service and client experience from start to finish. Andrew and his team respond speedily by email and/or make themselves available to speak directly. Their insight is incredibly valuable and offer kindness and patience too at a time when decisions can be more challenging. Additionally, Andrew has offered suitable products where other advisers have been unable. Thank you Thameside - you are absolutely our ‘go to’ and your service is genuinely appreciated at a time when it is needed!
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.
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.
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.
Excellent service. Helped me through the process of finding best mortgage deal. Cant recommend them enough.
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
Great service from start to finish, made the whole process very smooth and easy
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.
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.
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!!
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!
We used Thameside Mortgages for our recent mortgage application and cannot speak highly enough of Andrew and his team. They were professional and attentive from the outset and helped us through every step of the process. Andrew consistently communicated with us throughout to ensure the process was as easy and streamlined as possible, and we felt we received a completely personal service. I wouldn’t hesitate to recommend Thameside Mortgages for anyone considering a mortgage application in the future and will definitely utilise their service again.
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
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!
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.
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
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.
I had a fantastic experience with Thameside Mortgages, Jason was extremely proactive throughout the entire process and was a pleasure to work with. He was very patient and knowledgeable which helped reassure me as a first time buyer, an absolute asset. All my questions were answered swiftly and he would constantly check in with me throughout what ended up being a long drawn out process. I highly recommend.
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.
This is the second time I've instructed Andrew Sheen at Thameside Mortgages to find and secure the right deal for me. On both occasions I've had complete confidence in his ability to work with my best interests at heart. So professional and personable, I hope to always work with him when moving house or remortgaging. Not to mention, he's also a really top bloke. Thank you Andrew and team. Let's do it all again in 5 years time.
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 👌
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.
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.
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:
- 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.
- 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.
- 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.
- 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.
- 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
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:
- 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.
- 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.
- 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.