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03455 120 125

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Call Us

03455 120 125

 

MORTGAGE BROKER SEVENOAKS

TRUST   |   INTEGRITY   |   HONESTY

Mortgage Brokers covering Sevenoaks 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

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.

Remortgages

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

    Alison King Avatar Alison King

    I am so glad that we worked with Thameside Mortgages for the purchasing of our first home. From initial enquiries, guidance whist making an offer on the house, to getting a mortgage offer & insurance options, we cannot fault their service! Jason always made us feel informed, in control and aware of all our options. 10/10 and we would definitely recommend to our friends and family! Thameside eliminated all the fears & stress we thought we would have, and made the experience easy and clear. Thank you very much!

    Sainimili Kata Avatar Sainimili Kata

    Fantastic guidance and service all the way through the process of our purchase. Very quick to respond to our questions and would certainly recommend.

    Aaron Jago Avatar Aaron Jago
  • 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!

    Claire Shepherd Avatar Claire Shepherd

    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

    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
  • 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

    Fantastic service from start to finish. Andrew and Laura assisted with the purchase of mine and my partners first home, it was great to know that we were in safe hands throughout. Highly recommend!

    Noah Kirby Avatar Noah Kirby

    I've been working with Andrew and his team for a few years now. After recently completing a re-mortgage with Thameside I thought I'd leave a quick review to help others looking for help with the mortgage and to show my appreciation to everyone at Thameside. Their customer service is fantastic. Each time the process is completely stress free. The team are knowledge and always willing to go above and beyond to help make the process go smoothly. They take the time to explain the products they offer in a way that is easy to understand. They are profession and personable at the same time. I especially like the person touches the team do, like sending a thank you card on completion. I would highly recommend the services they offer. Keep up the good work Thameside.

    Surj Avatar Surj
  • Excellent service. Helped me through the process of finding best mortgage deal. Cant recommend them enough.

    Alan King Avatar Alan King

    I couldn't recommend Thameside Mortgages enough - they helped me with my life insurance and Laura was so helpful and so patient with me! Andrew clearly has incredible knowledge and was very supportive and considerate when discussing all of my options. Laura was brilliant at following up and helping me through the process and was very quick responding to any queries that I had. Will most definitely use them again for any further business that I have, A* service - thank you so much!

    Ceri Morgan Avatar Ceri Morgan

    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

    Kelly Carberry Avatar Kelly Carberry
  • Andrew and his team were so helpful, quick and professional and once we moved into our new home they sent us the most amazing welcome gift. I can highly recommend them to everyone. A massive thank you for making our mortgage process for our first home so smooth and easy!

    Whitney Osman Avatar Whitney Osman

    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

    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!

    Carl Jago Avatar Carl Jago
  • 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

    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

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

    Chris Lewis Avatar Chris Lewis
  • 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

    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!

    Rosie Woods Avatar Rosie Woods

    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
  • Andrew and Laura have been very helpful every time we have spoken to them. They have quickly processed our transactions and responded to any issues immediately. We highly recommend Thameside Mortgages and all the services they offer. Thank you for helping us through our recent propert purchase.

    Gilly Wright Avatar Gilly Wright

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

    Hazel McCarthy Avatar Hazel McCarthy

    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
  • 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.

    Nick Harris Avatar Nick Harris

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

    Laura Ward Avatar Laura Ward

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

    matt grix Avatar matt grix
  • 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

    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

    Andrew, Laura and the Thameside team were fantastic and delivered a brilliant result for us. They were able to secure two competitive mortgages for our remortgage and new house purchase. These were secured in a matter of weeks and then Thameside guided us through a tricky exchange and completion process with minimal fuss and stress. Thank you Thameside for a providing a wonderful service and we’ll sure to be back again in the future!

    William McCann Avatar William McCann

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.

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