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
If you’re looking for a 5-star-rated, personable and reputable mortgage broker in Sevenoaks, we are here to help. Whether you require help with as a first-time-buyer or home-mover, we offer a no-obligation consultation.
Our mortgage brokers in Sevenoaks are committed to providing a friendly yet professional service from start to finish. Our reviews truly reflect the level of our service. But don’t just take our word for it; check out our our latest 200+ 5-star reviews by visiting our dedicated client review page.
With more than 17 years of experience behind us, we truly take the time to understand your needs before sourcing the most suitable mortgage and protection for you. We have helped hundreds of clients throughout Sevenoaks that often recommend our services to family and friends.
First-Time Buyer Mortgages
Thameside Mortgages are the local experts for first-time buyer mortgages in Sevenoaks and the surrounding areas. Taking the leap into property ownership can be an intimidating and overwhelming experience, but with the guidance of a trusted and highly rated mortgage broker who knows the local market, it can become an enjoyable journey.
The initial step towards securing your first-time buyer mortgage is to arrange a no-obligation consultation with our mortgage experts in Sevenoaks. During this consultation, we will assist you in understanding your borrowing capacity, the costs associated with purchasing a property, and the estimated monthly payments. Additionally, we can obtain an Agreement in Principle (AIP) for you, which can be used to demonstrate your readiness to make an offer on a property to estate agents.
We are also available to liaise with your estate agent in situations where they require you to be ‘financially qualified.’ Moreover, our close collaboration with local and experienced solicitors enables us to offer reassurance and support throughout the entire process.
Our experts will provide advice on various forms of protection, including life assurance, income protection, critical illness coverage, and home insurance. By offering a comprehensive range of services under one roof, we ensure that all aspects of the first-time buyer process in Sevenoaks are covered.
Once your offer has been accepted, the next stage will involve securing the best mortgage deal available to you.
In Sevenoaks, our team of qualified mortgage experts specialises in providing professional assistance with remortgages. Given the significant rise in mortgage rates since the beginning of 2022, it has become crucial to receive the right advice.
At Thameside Mortgages, we understand the importance of offering the correct guidance and reassurance to help you make informed decisions regarding the best mortgage option for you. With access to thousands of mortgage products from over 90 different lenders, we can assist you in finding the most suitable mortgage solution. Furthermore, we can also reach out to your current mortgage lender, ensuring that you receive the best possible advice and support.
If you are considering raising funds for home improvements, we can assist you with that as well. If your current mortgage has six months or less remaining before the end of the current deal, we recommend booking a free, no-obligation consultation with one of our experts. This consultation will provide you with valuable insights and help you explore your options in a stress-free manner.
Home Mover Mortgages
If you’re planning to relocate to Sevenoaks, our mortgage brokers are here to assist you in securing home mover mortgages. When purchasing a property of higher value, accessing the home mover mortgage market becomes essential, and that’s where we can provide our expertise.
The first crucial step is obtaining a valuation on your property through an estate agent. We understand that you may already have an existing mortgage and potentially be tied into a fixed rate with your current lender. Rest assured, we can help navigate this situation and provide the necessary guidance.
Moving homes can often be a stressful experience. However, at Thameside Mortgages, we aim to alleviate that stress by taking care of the entire process on your behalf. From dealing with estate agents to liaising with solicitors, handling paperwork, and managing additional legal forms, we have you covered. Our mission is to ensure that the transition into your new property in Sevenoaks is smooth, easy, and stress-free for you.
Buy to Let Mortgages
Buy-to-let mortgages, also known as investment mortgages, offer a valuable opportunity to secure your financial future. If you’re interested in generating additional income through property rental in Sevenoaks, enlisting the support of approved mortgage brokers becomes crucial. At Thameside Mortgages, we possess extensive experience in handling buy-to-let mortgages.
Our dedicated team of mortgage brokers is equipped to assist you in sourcing and securing the best possible deal for your buy-to-let investment. We understand the importance of finding a fixed-rate mortgage, which is often the optimal choice for both investors and renters alike. By opting for a fixed-rate mortgage, you can benefit from consistent monthly payments over a period of 2-5 years, or even longer in certain circumstances. This stability provides security for all parties involved, ensuring a favourable outcome for both investors and tenants.
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…
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.
Excellent service. Helped me through the process of finding best mortgage deal. Cant recommend them enough.
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.
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!
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
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 👌
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 really can’t recommend Thameside Mortgages enough. From start to finish, the process was very well explained and completely hassle free. They found me an amazing deal and their communication, responsiveness and support was second to none. A heartfelt thank you to Andrew, Laura and Lydia; keep up the brilliant work.
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!!
Having used a number of mortgage advisors in the past, I can say that Thameside were a breath of fresh air. We have an unusual situation and were told we couldn’t get what we needed from other advisors. Thameside were able to arrange a mortgage and kept us updated constantly and were available any time to discuss all the usual issues. Highly recommend to anyone looking for a mortgage.
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.
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
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.
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.
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!
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’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.
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.
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 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.
Andrew and Laura provided an exceptional service and my partner and I are extremely grateful for their services. They were both on hand to answer any questions or queries without hesitation and provided clear, concise and accurate information. As first time buyers and with one of us being self employed, it proved extremely difficult for us to get a mortgage (especially in a pandemic), however Laura and Andrew both went above and beyond to ensure we were looked after and for that we are extremely thankful.
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!
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!
I genuinely can't thank Andrew and Laura enough for all of their hard graft through a very stressful process! The sleepless nights have been totally worth it!! I couldn't have done this with out your superb guidance. Professional, caring, excellent communication, explations to a solo first time buyer that doesn't always understand the jargon that comes with process. I was told by several people I didn't earn enough, needed a partner, better paid job to get on the property ladder. Andrew took this as a challenge and found me an excellent mortgage deal, twice!! I am so, so happy that I chose them to make this a lot easier. I genuinely can't recommend Thameside Mortgages enough. Forever grateful!
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!
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.
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!
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.
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.
Your 5-Star Rated Mortgage Broker In Sevenoaks
Thameside Mortgages, your local mortgage brokers in Sevenoaks, provides a comprehensive range of mortgage and protection services to suit your requirements, whether you’re a first-time buyer or looking to remortgage. As your trusted mortgage broker in Bromley, we offer personalized solutions that are tailored to your specific needs. Our exceptional reputation in the area is reflected in the 200+ 5-star reviews left by our satisfied customers. Our team is always available for a free initial chat, with no obligation. Contact us today to learn more about how we can assist you.
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When should I contact a mortgage broker in Sevenoaks?
Our mortgage brokers in Sevenoaks are available to assist you at any point during your home buying journey. Some people prefer to reach out to us before they begin their property search to gain an understanding of their budget and mortgage options.
We offer comprehensive guidance and advice throughout the entire mortgage process. Our team can assist you in selecting the most suitable mortgage product, submitting your application, and guiding you through the legal process. We are dedicated to providing valuable support to ensure a smooth and stress-free home buying experience.
How much deposit do I need for first-time-buyer mortgage?
The deposit required for a first-time buyer mortgage can vary depending on the lender and the property’s value. In the UK, the minimum deposit required is generally around 5% of the property’s value, but many lenders prefer a deposit of 10-15% or more.
However, a higher deposit can often lead to more favourable mortgage rates and lower monthly payments. It’s important to note that there may also be additional costs associated with buying a home, such as legal fees, stamp duty, and valuation fees, so it’s essential to budget for these expenses as well.
Is mortgage protection mandatory?
No, mortgage protection is not mandatory. However, it is highly recommended that homeowners consider some form of protection to ensure they can continue to meet their mortgage repayments in case of unforeseen circumstances such as illness, redundancy, or death. Mortgage protection can provide peace of mind and financial security for homeowners and their families.
It is important to speak with our qualified mortgage brokers in Sevenoaks to determine the best mortgage protection options for your specific needs and circumstances.
Am I eligible for a mortgage?
Whether or not you are eligible for a mortgage will depend on a variety of factors, including your income, employment status, credit score, and the size of the deposit you can provide. Mortgage lenders typically have their own specific eligibility criteria, so it’s important to speak with our local mortgage brokers to determine your specific eligibility. They will be able to assess your financial situation and advise you on the type of mortgage you may be eligible for.
What is the best type of mortgage?
There isn’t necessarily a “best” type of mortgage, as what’s best for you will depend on your personal financial situation, goals, and preferences. Some factors to consider when choosing a mortgage include the interest rate, the length of the loan term, the type of interest rate (fixed or variable), and any additional fees or charges associated with the mortgage.
For example, if you want the security of knowing your monthly payment will remain the same for the entire loan term, a fixed-rate mortgage may be a good choice. On the other hand, if you are comfortable with some uncertainty and are looking for a potentially lower initial interest rate, a variable-rate mortgage could be a good fit.
How much deposit do I need for a mortgage?
The amount of deposit you need for a mortgage can vary depending on a number of factors, including the value of the property you are buying, the type of mortgage you are applying for, and the lender’s requirements. Generally, lenders require a deposit of at least 5% to 20% of the property’s value. However, some lenders may require a higher deposit, particularly if you have a lower credit score or if you are self-employed. It’s important to shop around and compare different lenders and their requirements to find the best deal for your circumstances.