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MORTGAGE BROKER GRAVESEND

TRUST   |   INTEGRITY   |   HONESTY

Mortgage Brokers covering Gravesend and the surrounding areas

Why Choose Us?

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Outstanding customer service

Over 200 5* reviews about our efficient and personalised service

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More than 17 years experience

Finding the mortgage and protection that’s best for you

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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.

Remortgages

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…

  • The whole process was quick, efficient and hassle free. Andrew is always a pleasure to deal with and finds the best option for your needs and offers clear advice throughout. I have recommended Thameside Mortgages to friends and will continue to.

    james goldfinch Avatar james goldfinch
    15th July 2024

    Andrew at Thameside mortages has been brilliant in helping us secure great mortgage deals for my last 2 properties. He provides straight forward, honest advise and makes what can be a complex process very easy. Our most recent remortgage has been complex due to our requirements for an expat buy-to-let mortgage, but Andrew has been very thorough and persistent is scouring the market for the best deal that suits our financial needs.

    Faris Pervez Avatar Faris Pervez
    16th June 2024

    As a first time buyer Andrew made the process seamless for me. He explained everything to me from my mortgage in principle to completion and answered all my questions (I had a lot!). I would recommend Thameside Mortgages to everyone and anyone!

    Louise Houghton-Campion Avatar Louise Houghton-Campion
    16th June 2024

    Andrew worked very diligently and quickly to secure us a good deal and explained everything in clear and understandable terms. This is the 4th or 5th time I have used Andrew and I would definitely recommend him to anyone - always available, lots of good advice, proactive with the lender trying to push everything through. 5 stars

    Charlie Riddell Avatar Charlie Riddell
    16th June 2024

    I’m so grateful for all of Thames Mortgages help throughout the process of buying our home. It wasn’t an easy purchase, but Andrew and the team have been so supportive throughout and we couldn't have met our deadline we wanted to meet without their helping. Thank you so much. Lexy

    Lexy Besterman Avatar Lexy Besterman
    16th June 2024

    Andrew and his team have proven to be invaluable in helping me secure a great deal on my mortgage for both Buy-to-Let and residential properties. They consistently go above and beyond to ensure their clients receive the best possible service. When it was time to remortgage, Andrew reached out to me and gave me the confidence that they were committed to finding the best deal. They searched diligently and were able to secure me an absolute fantastic offer. Throughout the entire process, they have been extremely helpful, friendly, and readily available around the clock to assist me. They keep us informed and involved whenever applicable, ensuring that we have a clear understanding of all discussions and decisions. Their unwavering support and exceptional assistance have earned our utmost appreciation. Without hesitation, I highly recommend Thameside Mortgages to anyone looking for assistance with their mortgage needs. Their professionalism, dedication, and expertise make them the perfect choice for anyone looking for mortgage, Lfe policies etc.,

    P K Avatar P K
    16th May 2024
  • I’ve just completed my remortgage with Thameside and highly recommended. They constantly checked the market to ensure we got the best rate in these challenging times, and were always on hand to explain anything I didn’t understand.

    Safeya Abou-Zeid Avatar Safeya Abou-Zeid
    16th March 2024

    Very professional always available when you need help. very happy I highly recommend them to anyone that wants to get a mortgage.

    Arber Krasniqi Avatar Arber Krasniqi
    16th February 2024

    The Thameside Mortgages are incredible.They are extremely helpful and supportive.They have an extremely supportive and helpful staff who helped in every way possible.I recommend Thameside Mortgages to everyone who is looking!

    Nand Pandey Avatar Nand Pandey
    16th February 2024

    I worked with Andrew and Laura at Thameside Mortgages when purchasing my first home. The help and guidance I received was fantastic. Andrew was responsive and knowledgeable, and he was able to explain things simply to me. Would highly recommend to any first time buyers! Thank you both.

    Lucy Edmondson Avatar Lucy Edmondson
    16th February 2024

    Very helpful and go the extra mile to get you the best deal possible .

    mark melbourne Avatar mark melbourne
    16th December 2023

    We were originally introduced to Andrew by a friend and we never looked back following our first introductory meeting. Our purchase was complicated by being based overseas, having an existing property in the UK, and other factors that meant certain mortgage products weren't suitable for our circumstances. Andrew took the time to understand our needs and tailored his advice accordingly, leveraging his comprehensive knowledge of the products available particularly during the fast-changing market as interest rates spiked. His personalised approach and patience ensured we understood the options available and enabled us to structure our purchase in a way that was optimal for us. It was evident that Andrew had our best interests at front of mind to build a trusted and lasting relationship. We'll definitely be using Andrew again when we look to remortgage in the future and for advice regarding the other insurance services he provides.

    MD Avatar MD
    16th November 2023
  • Can't fault the service we got from Jason and Laura. Highly recommend Thameside Mortgages. Thank you both for your hard work.

    Kate Brewer Avatar Kate Brewer
    16th November 2023

    We were referred Andrew & Laura by a friends who has recently bought their first home and we are so glad they did! As first time buyers this was all new and scary to us but Andrew reassured us and made things so easy every step of the way. He proactively updated us and explained things so clearly. They have exceeded our expectations not just by helping us find a mortgage suitable for us but also sorting out all our insurances making the process stress free. Even once we got the keys to our home we received a lovely new home hamper and the attention to detail was fantastic! Thank you Thameside Mortages!

    Jade Leonard Avatar Jade Leonard
    16th November 2023

    Andrew and Laura have been a great support throughout my (long!) process of buying and selling. Andrew has always made the options available to me in terms of various mortgages or insurance crystal clear so I understand everything clearly as I am not one naturally with a head for figures. It became overwhelming at times but the Thameside team would help break things down so I got a grasp of everything before making huge decisions. My journey to eventually get to my new home was a bit of a rollercoaster but the team were always patient and supportive when I'm sure at times they were equally as frustrated by the challenges as I was. Above all though, Andrew and Laura (and Zoe) are all thoroughly nice people and that in itself is priceless.

    Nicola R Avatar Nicola R
    16th October 2023

    My mortgage renewal was made very easy and feel I got a good deal considering the current market, thank you for kindness and help to do this! 😊

    Emily Dyett Avatar Emily Dyett
    16th October 2023

    A friend of mine recommend Thameside Mortgages and after obtaining my mortgage I will do the same in the future to anyone I know who's looking for a mortgage broker. Thank you Andrew and Laura, you've been brilliant!

    Bradley Avatar Bradley
    16th October 2023

    Great service and fantastic communication. Very happy

    charly wild Avatar charly wild
    16th October 2023
  • Our experience with thameside was very very good. Andrew and Laura were very helpful and supported me and my partner throughout the whole mortgage process which made it a lot easier than we first feared. We would highly recommend thameside to anyone in a heartbeat. We wouldn’t have been able to get through without them both.

    Luke Whittle Avatar Luke Whittle
    16th September 2023

    Massive thanks to Andrew and Laura. Couldn’t fault either of them, helped me throughout the entire process from getting the price range I wanted all the way to completion and making sure my insurance was all set up and everything was ready for when it needed to be! Couldn’t recommend anyone better!

    Harry Frolich Avatar Harry Frolich
    16th September 2023

    Myself and my partner spoke to different company’s before speaking to Andrew and Laura at Thameside Mortgages and was absolutely blown away by the time and effort they put in straight away. They secured us a much better rate then we had previously been offered by 3 other companies and took the time to explain everything to us, as first time buyers we was unsure of the process. Not only securing us a brilliant rate in uncertain times with rates constantly rising but also helping with our life insurance and home insurance policies too. We could not have done this whole process without them and would highly recommend them to anyone in the process of sorting a mortgage!

    April Ward Avatar April Ward
    16th September 2023

    Very efficient and streamlined service. Our mortgage re-application has gone through smoothly and pleased with the service we have received. Would highly recommend.

    Nicola Vander Avatar Nicola Vander
    16th September 2023

    I am so grateful to Andrew and Laura for their guidance through my original mortgage application as well as my recent renewal. They have always been on hand to answer any queries or questions and have made the process as stress-free as possible. I would highly reccomend.

    Holly Rai Avatar Holly Rai
    16th September 2023

    I had the pleasure of working with Thameside Mortgages for my recent home purchase, and I cannot praise them enough for the brilliant job they did. From start to finish, the team at Thameside Mortgages demonstrated exceptional professionalism, expertise, and dedication. Throughout the entire mortgage process, they exhibited a deep understanding of the market and their attention to detail and thoroughness in explaining every step of the process ensured that I felt informed and confident in my decisions. What truly set Thameside Mortgages apart was their personalised approach. They took the time to understand my financial goals and tailored their services accordingly. Their excellent communication and responsiveness made me feel valued as a client, and I never had to worry about any aspect of the mortgage application. I am immensely grateful for the support and guidance I received from Thameside Mortgages. I wholeheartedly recommend Thameside Mortgages to anyone seeking mortgage services, as they truly go above and beyond to deliver outstanding results.

    David Leece Avatar David Leece
    16th August 2023
  • I've know Andrew Sheen for a number of years and he helped us with our remortgage and was very professional, gave excellent advice and knew and understood all our needs and requirements. I would highly recommend him and his company to anyone wishing to use them.

    IBAS RM Avatar IBAS RM
    16th August 2023

    Excellent and very friendly service! Jason helped me to secure my mortgage and was always super quick to respond. As a first time buyer I found his advice incredibly helpful, throughout what ended up being a very long process after one purchase fell through. Andrew was also very helpful when Jason was on leave. I would recommend Thameside to anybody.

    Emily Peddle Avatar Emily Peddle
    16th August 2023

    Amazing service. I couldn’t recommend more highly. Andrew has everything covered and knows his stuff. He has spoon feed me at every step (much needed). Andrew and his team have gone above and beyond for me and I will always be grateful for the advice and support they have given.

    Rebecca Cave-brown Avatar Rebecca Cave-brown
    16th August 2023

    Andrew and his team have been incredibly helpful with our recent mortgage change. They have been very comprehensive with the options available, and guidance has been balanced and clear. Would highly recommend them.

    Rhys Edwards Avatar Rhys Edwards
    16th August 2023

    Excellent service from start to finish. Great communication throughout. Andrew and Laura were very helpful and always at the end of the phone if needed and always kept me updated throughout our process and communicated after ensuring everything went smoothly. Would highly recommend using Thamesside mortgages for a smooth and reliable easy process.

    Carla Marlow Avatar Carla Marlow
    16th August 2023

    Andrew and the team were exceptionally helpful and made a stressful and confusing situation manageable.

    Ed McConnell Avatar Ed McConnell
    16th August 2023
  • Andrew provided an excellent service throughout our mortgage application and house purchase. We felt we got a really good deal through him, and I'd recommend him to anyone

    Sam Tait Avatar Sam Tait
    16th August 2023

    Excellent service by Thameside Mortgages mainly by Andrew. I got two mortgages recently and Andrew helped me all through the process and got best deals on the market in those tough times. He is very much approachable and answered to all my queries with lots of patience and to his best. He is very knowledgeable and made the whole process smooth and simple. A BIG THANK YOU

    D Pingali Avatar D Pingali
    16th July 2023

    Andrew has been absolutely fabulous sorting a first time mortgage for my daughter and her fiancé and also sorting a mortgage for a good friend. I would highly recommend him.

    Jane Gedge Avatar Jane Gedge
    16th July 2023

    Throughout the process, from my initial enquiry and telephone appointment, to his post completion call, I have felt well advised, supported and valued as a customer. With his clear and calm approach, Andrew has a way of making you feel, you are his only client and that nothing is too much trouble, (which is very reassuring to someone whose last mortgage was over 30 years ago). While he was personally recommended to me, I have no hesitation in extending that recommendation further, along with my thanks to him and his team for their excellent service.

    Yvonne Savage Avatar Yvonne Savage
    16th July 2023

    Andrew was very supportive throughout the whole process of remortgaging-uploading the documents was easy and communication was excellent. He sorted any issues out swiftly via WhatsApp. I had issues with the solicitor which he was able to sort out and continued to look into after my mortgage completed.

    Tanya Foreman Avatar Tanya Foreman
    16th July 2023

    Andrew and the team did a fantastic job securing us a good rate during the recent economic turmoil, helping us each step of the way to secure the mortgage. Fantastic service and I would highly recommend them to anyone seeking a mortgage.

    Guy Danielle de Rose Avatar Guy Danielle de Rose
    16th July 2023
  • So so impressed with and grateful for the work of Andrew of Thameside Mortgages. He made every step of buying our dream home as easy as it possibly could be. Andrew was the perfect combination of friendly and professional, keeping us informed throughout such a daunting process. We cannot recommend enough. Ben & Hayley.

    Ben Driver Avatar Ben Driver
    16th July 2023

    A really excellent service in which my advisor (Andrew) took time to really understand my situation, priorities and suggest a product that would work best for me. I really felt treated like a human being - and was shown real patience in how something that feels complicated to me was explained. Andrew asked lots of clear questions and gave me a really clear explanation of what each potential product would mean for me - both verbally and then in writing. Can't recommend highly enough!

    Nick Evans Avatar Nick Evans
    16th July 2023

    Andrew was recommended to me by my Mum who had recently used him and his team for her purchase. I am 20 so am on a learning curve of what’s involved, and Andrew was a perfect choice for all the support I needed to make my first purchase come true! From initially satisfying the mortgage lender, managing the process, and getting to completion which wasn’t straight forward. My initial offer fell through due to the seller, but Andrew and his team kept me on track with reapplying my mortgage offer to another property and extending so it didn’t expire. This also included guidance on a homebuyer’s report and a huge amount of easily explained detail to helpfully understand the importance of mortgage protection. In addition to my daughter’s review above, as her parent, I’d like to add: Andrew helped myself and partner purchase a property which I have already left a review for, but I also wanted to express my gratitude for helping my daughter. Especially at a time when the climate is so turbulent, as always, Andrew and his team went above and beyond what I have experienced from other advisors. I cannot express enough what an exceptional service Andrew and his team provides. His passion, knowledge and client experience shine at every opportunity adapting to suit your needs. Working in user experience, as a client and from a professional point of view, it is clear Andrew has an exceptionally high level of service that he wishes to deliver to all clients which captures that ‘above and beyond’ experience so well. I am truly grateful for successfully helping my daughter take her first, incredibly important step onto the property market. Sincerely, life changing. I will be recommending and using you again whenever opportunity presents itself. Thank you.

    elizabeth shepherd Avatar elizabeth shepherd
    16th July 2023

    Cannot recommend highly enough. Very helpful throughout the whole process and was able to secure a better rate than a free broker.

    Marcel franke Avatar Marcel franke
    16th July 2023

    Andrew and team were brilliant throughout the whole process, and made what could’ve been a very stressful time seem easy. They were so responsive and went out of their way to get our application in quickly to avoid interest rate rises, which made such a difference in such uncertain times. Would highly recommend to anyone and everyone!

    Ellie Joyce Avatar Ellie Joyce
    16th July 2023

    Andrew and his team were not only very knowledgeable and able to find an excellent deal for me, but also incredibly helpful and supportive throughout the whole process. They were very responsive and flexible and made the mortgage application process very smooth and stress-free for me. I will certainly be back for my next mortgage deal!

    Raluca Ion Avatar Raluca Ion
    16th July 2023
  • Andrew and thameside were recommended to us by a friend and we’re glad we contacted them! Andrew was very helpful and provided all the information we needed to make the best decision for us. We were able to secure our first house very quickly and couldn’t be happier!

    Matt Carpenter Avatar Matt Carpenter
    16th July 2023

    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
    9th November 2022

    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
    26th October 2022

    From start to finish Thameside Mortgages have been available and very helpful in guiding us through not only moving house, but also remortgaging in these difficult times. I can’t tank Andrew, Laura and Lydia enough for their care and fantastic work ethic! Will definitely be using them in the future!!

    Chris Bassett Avatar Chris Bassett
    23rd October 2022

    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
    23rd October 2022

    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.

    Tom Denton Avatar Tom Denton
    23rd October 2022
  • 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
    23rd October 2022

    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
    23rd September 2022

    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
    23rd August 2022

    Huge thank you to Andrew, Laura & the team for all their help in sorting out my sons remortgage. In what was an extremely difficult time for us as a family they went above & beyond to make sure everything was dealt with quickly & efficiently, searching the market to obtain the best possible deal for him. Highly recommend their service & Andrews knowledge was an absolute godsend. Thank you all once again for the excellent service, we will certainly recommend you as often as possible 😊

    Helen Clarke Avatar Helen Clarke
    23rd July 2022

    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.

    Jordan Shodeinde Avatar Jordan Shodeinde
    23rd July 2022

    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
    23rd July 2022
  • 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
    23rd June 2022

    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
    23rd June 2022

    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
    23rd May 2022

    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
    23rd May 2022

    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
    23rd May 2022

    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
    23rd May 2022

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

Contact Us

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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