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
Looking for a mortgage broker in Maidstone? We’ve got you covered here at Thameside Mortgages Maidstone. We are a company built on respect and reputation which has seen us grow over the last couple of years. Our mortgage services are of the highest quality and we always aim to reassure and get the right deal for your situation.
We cover mortgages for first time buyers, buy to let, remortgaging to name a few. We really do care and genuinely want to help. We have family values and would love to hear from you. Let us take the stress away for you.
We are proud to be your 5-star rated mortgage broker in Maidstone and the surrounding areas.
First-Time Buyer Mortgages
Being a first time buyer brings all sorts of emotions to the table. It’s exciting, scary, frustrating and intriguing all at the same time. It’s a good job we’re a reputable company that has helped hundreds of people in your exact position. We’re first time buyer specialists and will hold your hand until you have the keys in them.
We have a tried and tested process when it comes to first time buyer mortgages. We understand that not all situations are the same which is why we take the time to sit down and get to understand yours personally. It’s important we listen and understand your situation because the requirements could dictate the complexity of the process.
We can help you understand how much you could borrow and discuss the other costs involved in buying a house. There are certain costs that aren’t so obvious or spoken about very much so we want to lay it all out for you.
We’ll support you with obtaining an ‘Agreement in Principle’ and guide you through each step once your offer has been accepted.
Mortgage rates are constantly changing so it’s arguably more important than ever to seek professional and quality advice regarding your mortgage or remortgages. We pride ourselves in providing the right advice for you, not the easiest solution for us.
We have a proven track record, array of reviews and wealth of knowledge, all of which
speak for themselves. We want to give you the best advice possible, tailored towards your remortgaging situation in Maidstone.
When people remortgage, they tend to go for the same lender out of convenience. This may not however be the best option at all. We take the time to find the best rates possible which could be a completely different lender.
Sometimes it pays to shop around and look a bit harder rather than take what might seem the easiest at the time. Popular reasons for remortgaging is to simply secure a new deal, or to release money for home improvements or to create that extra space. Whatever your case may be, we’d love to hear from you here at Thameside Mortgages Maidstone.
Contact today for a no obligation chat about your remortgaging requirements.
Home Mover Mortgages
A home mover mortgage is needed when you’re looking to relocate to a house that is higher in value than your current one. We’ve worked with clients in this way to move both in and out of Maidstone – it’s a specialist area for us.
We have a thorough and efficient process in place in order to help you get your home move mortgage sorted. Our process starts with a valuation of your current property from an estate agent. Because you are likely to have a mortgage, we will take a look into your circumstances and find the right solution, whether it’s moving your mortgage to the new property, or choosing an entirely new one.
Everyone has a different background in regards to their mortgage so we need to understand yours personally. You may have a fixed rate mortgage for example or other things that may complicate the process but don’t worry because we will work it all out for you.
We can look after all the paperwork, deal with solicitors, liaise with estate agents and everything else on your behalf too. For more information on all this relating to home mover mortgages, simply get in touch with our Maidstone team today.
Buy to Let Mortgages
A mortgage for a property you would like to let out to tenants on a medium-long term basis are often known as buy to let mortgages. They can be quite complicated but a great way to generate passive income. You’d get a buy to let (BTL) mortgage if you were looking to become a landlord to tenants living in the property you own, or are looking to purchase.
You cannot get a buy to let mortgage if you intend on living in the property itself. If you are looking a buy to let mortgage, our helpful team in Maidstone will be more than happy to assist you.
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…
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.
Absolutely the best, most helpful and speedy broker I've ever worked with - Thameside sorted everything including finding the right mortgage and insurances for me, guiding me through the applications and keeping me posted throughout the process. Particular thanks for their endless patience with me dithering over every decision, but because of their honest and clear advice, I'm completely comfortable I've made the right choices. I really couldn't recommend these guys enough!
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.
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
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!
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 😊
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.
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!
I recently used Thameside Mortgages and their recommended solicitors when purchasing my property I can’t recommend them enough! Not only do I feel that I ended up with a very competitive mortgage, from start to finish the team kept me up to date on the progress of my mortgage application and the conveyancing process. They were always very quick to reply to any questions I had and I credit them with helping me exchanging contracts within just 7 weeks. Andrew, Lydia and Laura, thank you so much for all your help. I can’t thank you enough!
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.
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!
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.
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!
Excellent service. Helped me through the process of finding best mortgage deal. Cant recommend them enough.
Andrew & Laura were amazing at Thameside Mortgages. They were able to secure us a mortgage after we purchased the property, so only a few lenders were available to us. We were happy with the mortgage they recommended. The conveyancer wasn't the best, but Andrew & Laura pushed that side too. This is the second mortgage I've got through Thameside Mortgages and I will definitely use them again! Can't recommend them enough. Fantastic service, always available and happy to help. Thanks guys 🙂
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.
Thameside Mortgages have been nothing but patient, informative and thorough. Andrew and Laura have been great, providing continued support and really taking the time to explain all the questions we sent their way. Their knowledge and expertise is apparent straightaway. Would highly recommend!
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
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.
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!
Thameside were amazing! Made the process completely stress free and felt informed throughout. I’ll go with them every time.
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!
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!
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.
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.
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!
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.
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.
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!
First class and professional service. The advice given on various mortgage products, terms and insurance options were excellent. Throughout the sale/purchase they were in constant contact with my solicitor and estate agent, and kept me up to date regularly. Would highly recommend.
Your 5-Star Rated Mortgage Broker In Maidstone
If you want a mortgage broker in Maidstone that provides quality advice, we will steer you in the right direction and stick with you until you have the keys in your hand, then you need to work with us here at Thameside Mortgages Maidstone. We’ve got years of experience, a wealth of knowledge and a genuine desire to help you. There’s no better mortgage broker in the area and we have the reviews and reputation to prove it.
Get In Touch Today
What are the costs of obtaining a mortgage?
When obtaining a mortgage, there are several fees and costs associated with the process. Here are some of the most common fees you may encounter:
- Application fee: Some lenders may charge a fee when you apply for a mortgage. This fee may cover the lender’s administrative costs, such as checking your credit report or verifying your employment.
- Valuation fee: Lenders typically require a valuation of the property you’re buying to ensure it’s worth the amount you’re borrowing. You may be charged a valuation fee to cover the cost of the valuation.
- Mortgage arrangement fee: Some lenders charge a mortgage arrangement fee, which covers the cost of setting up your mortgage.
- Legal fees: You’ll need to hire a solicitor or conveyancer to handle the legal aspects of your property purchase. They’ll charge a fee for their services, which may include things like conducting local searches, checking contracts, and registering the property with the Land Registry.
- Survey fees: You may choose to have a more detailed survey of the property conducted to identify any potential issues, such as structural defects or problems with the roof or plumbing. There may be a fee for this service.
- Stamp Duty Land Tax (SDLT): In the UK, you’ll need to pay SDLT when you purchase a property above a certain value. The amount of SDLT you’ll pay depends on the purchase price of the property.
It’s important to factor these fees and costs into your budget when considering how much you can afford to borrow. Your lender or mortgage broker should provide you with a breakdown of the fees associated with your mortgage, so be sure to ask for this information upfront.
Why use a mortgage broker in Maidstone?
Thameside Mortgages, as a mortgage broker in Maidstone, offers a range of compelling reasons why clients may choose to engage our services:
- Wide Lender Access: Our extensive network includes over 90 lenders, including those not commonly found on the high street. This allows us to assist clients in finding a mortgage product tailored to their individual needs and financial circumstances.
- Expert Guidance: With nearly two decades of experience in the mortgage industry, our brokers possess a comprehensive understanding of the market. We provide clients with expert advice and informed guidance throughout the mortgage process.
- Streamlined Technology Integration: At Thameside Mortgages in Maidstone, we leverage technology to simplify the mundane aspects of obtaining a mortgage. Through our online portal, we facilitate efficient application management and provide real-time updates on application progress.
- Personalized and Friendly Service: As a small, family-run company, we pride ourselves on delivering a personalized and friendly service. Clients work with the same broker from start to finish, fostering trust and ensuring a comfortable experience.
- Time-Saving Convenience: Engaging our services as a mortgage broker saves clients valuable time and effort. We handle the mortgage application process on their behalf, including paperwork completion, lender communication, and ongoing guidance and support.
In summary, Thameside Mortgages in Maidstone offers clients access to a wide range of lenders, expert guidance, streamlined technology, personalised service, and time-saving convenience. We are committed to providing tailored solutions to meet our clients’ individual needs and help them navigate the mortgage process with ease.
When should I contact a mortgage broker in Maidstone?
You may consider contacting a mortgage broker at any stage of the home buying or refinancing process, but it can be particularly beneficial to do so early on. Here are some instances when you might want to contact a mortgage broker:
Before you start house hunting – A mortgage broker can help you determine your budget and obtain pre-approval for a mortgage, which can make the home buying process smoother and more efficient.
When you’re comparing mortgage options – A mortgage broker can provide you with access to a wide range of mortgage products and lenders, allowing you to compare rates, terms, and features to find the most suitable option for your needs.
When you have a complicated financial situation – If you’re self-employed, have a non-traditional income, or have a less-than-perfect credit history, a mortgage broker can help you navigate the mortgage process and find lenders who may be willing to work with you.
What is a variable rate tracker mortgage?
A tracker rate mortgage is a type of mortgage where the interest rate is linked to an external benchmark, typically the Bank of England’s base rate. The interest rate on a tracker mortgage will fluctuate in line with changes in the benchmark rate. If the base rate increases or decreases, the interest rate on the mortgage will also rise or fall accordingly.
For instance, a tracker mortgage may be advertised as “base rate + 1.00%,” indicating that the interest rate on the mortgage will be set at 1.00% above the Bank of England’s base rate. If the base rate stands at 4.00%, the interest rate on the mortgage will be 5.00%. Should the base rate subsequently rise to 5.00%, the interest rate on the mortgage will increase to 6.00%.
Tracker mortgages offer flexibility and the potential for lower interest rates compared to fixed-rate mortgages, as borrowers can take advantage of any reductions in the base rate. However, they also carry the risk of higher payments if the base rate increases. It is crucial to carefully assess your financial situation and weigh the potential risks and benefits before deciding on a tracker rate mortgage.
What is a fixed-rate mortgage?
A fixed-rate mortgage is a mortgage type where the interest rate remains unchanged for a predetermined duration, typically ranging from two to ten years. Throughout this fixed-rate period, the borrower’s monthly mortgage payments remain consistent, unaffected by fluctuations in the Bank of England’s base interest rate or other economic factors.
Once the fixed-rate period concludes, the mortgage often transitions to the lender’s standard variable rate (SVR), potentially leading to a notable increase in the borrower’s monthly payments. To avoid this potential rise, borrowers may opt to remortgage or switch to a different mortgage type before the fixed-rate period ends.
Fixed-rate mortgages offer borrowers stability and predictability, enabling easier budgeting and future planning. However, the initial interest rate for a fixed-rate mortgage may be higher compared to a variable-rate mortgage, and borrowers may miss out on potential savings if interest rates decrease during the fixed-rate period.
What interest rate can I get?
Several factors can determine the interest rate you’ll be offered when you apply for a mortgage. Here are some of the most important ones:
- Credit score: Your credit score is a measure of your creditworthiness, and lenders use it to assess the level of risk you pose as a borrower. Generally, the higher your credit score, the lower the interest rate you’ll be offered.
- Loan-to-value ratio: This is the amount of the loan you’re applying for compared to the value of the property you’re buying. Lenders typically offer lower interest rates to borrowers who are borrowing a smaller percentage of the property’s value, as this represents a lower risk to the lender.
- Loan term: The length of your mortgage term can also affect your interest rate. Generally, shorter mortgage terms will have lower interest rates than longer ones.
- Type of mortgage: Different types of mortgages come with different interest rates. For example, fixed-rate mortgages generally have higher interest rates than variable-rate mortgages.
- Economic conditions: Interest rates are also influenced by wider economic conditions, such as inflation, the Bank of England’s base rate, and market competition among lenders.
It’s important to note that different lenders may have different criteria for determining interest rates, so it’s always a good idea to shop around and compare offers from multiple lenders before making a decision.