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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 & 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.

    Nicholas Anscombe Avatar Nicholas Anscombe

    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 his team did an amazing job on our mortgage and the surrounding process. We had our offer in principle within 24 hours of contacting them. The on boarding was seamless and laura kept us updated with progress from our solicitors throughout the wider conveyancing process which means we were always well informed. I would not hesitate in recommending them to anyone

    Phil Wrigglesworth Avatar Phil Wrigglesworth
  • 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

    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

    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
  • 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

    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.

    Michaela Peck Avatar Michaela Peck

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

    Chris Lewis Avatar Chris Lewis

    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

    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!

    J Avatar J
  • 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

    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

    Thameside were amazing! Made the process completely stress free and felt informed throughout. I’ll go with them every time.

    Ellie Blackall Avatar Ellie Blackall
  • 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.

    yordanos yimmesghen Avatar yordanos yimmesghen

    After the purchase of our property we were in search of a good mortgage broker and our estate agent recommended Andrew. After speaking to Andrew we were confident we had found the right person to entrust finding us something as important as our first mortgage. We provided Andrew with all the necessary details and with his extensive experience and knowledge in this field, he was able to find us a very good mortgage deal. It was a pleasure working with Andrew and he was there to help and support us from the initial stages of the mortgage to the final completion day. When we needed to remortgage, Andrew helped us find another good deal, providing the same care and support as before. I would definitely recommend Andrew to anyone who is looking for an experienced and professional yet very approachable and friendly expert broker who will help guide them through the whole mortgage process. Thank you so much Andrew and Lydia for all your help recently.

    Pam Mehroke Avatar Pam Mehroke

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

    Alan King Avatar Alan King

    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

    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
  • 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

    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.

    Rajen Saraswati Avatar Rajen Saraswati

    Andrew has dealt with our mortgage and remortgage since we bought our first home 12 years ago. The service and advice is always spot on, hence why we always return without question. It's peace of mind knowing we can trust Thameside to take care of everything and give us the advice we need.

    Rhys Jones Avatar Rhys Jones
  • 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

    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!

    Erin LaBelle Avatar Erin LaBelle

    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.

    Sarah Blanks Avatar Sarah Blanks
  • 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

    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

    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.

    Jordan Smith Avatar Jordan Smith

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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