Protection Guide
At Thameside Mortgages, we are dedicated to helping you achieve your dream of homeownership.
However, we understand that owning a home is a long-term commitment, and we take our responsibility seriously in ensuring that you remain in your home for many years to come.
One crucial aspect of this commitment is helping you to remain financially resilient throughout your life. We understand that life is unpredictable, and unexpected events can have a significant impact on your finances. That’s why we work with you to identify potential risks and develop a plan to help you mitigate them.
Our team of experts can assist you in evaluating your financial situation and provide you with recommendations to help you remain financially resilient. We will work with you to ensure that you have the necessary protection in place to secure your financial future and provide you with peace of mind.
We take great pride in our commitment to helping you achieve your homeownership goals while also ensuring that you remain financially secure throughout your life. Please do not hesitate to contact us to discuss your options further.
We are here to support you every step of the way.
Why is it important to ensure you are protected?
Here are a few reasons why it’s important to ensure you are protected:
- Peace of Mind: By having protection in place, you can rest easy knowing that your mortgage repayments will be taken care of if something unexpected happens.
- Avoiding Financial Hardship: In the event of death, illness, or loss of income, it’s essential to have protection in place to avoid falling into financial hardship. Without proper protection, you may struggle to keep up with your mortgage payments, which can have significant consequences.
- Protecting Your Home: Your home is likely one of the most significant investments you will ever make. By protecting your mortgage, you are also protecting your investment and ensuring that your loved ones can continue to live in the home you’ve worked hard to provide.
- Maintaining Your Credit Score: Missing mortgage payments can have a significant impact on your credit score, which can affect your ability to secure credit in the future. By having protection in place, you can avoid missing payments and maintain a good credit score.
In summary, protecting your mortgage in the event of death, illness, or loss of income is critical to ensure that you and your loved ones remain financially secure during difficult times. It provides peace of mind, avoids financial hardship, protects your investment, and maintains your credit score.
What is Life Assurance?
Life assurance, in relation to a mortgage, is a form of insurance that provides a lump sum payment to repay the outstanding balance of your mortgage in the event of your death.
If you have a mortgage, life assurance can be a valuable way to ensure that your loved ones are not burdened with the mortgage payments if you were to pass away unexpectedly. The payout from a life assurance policy can be used to pay off the outstanding balance of your mortgage, allowing your loved ones to remain in the family home without the burden of mortgage payments.
Life assurance policies can be tailored to meet your individual needs, and you can choose the level of cover that you require. This will depend on factors such as your mortgage balance, your age, your health, and your family’s needs.
It’s important to note that life assurance is different from mortgage payment protection insurance (MPPI), which is designed to cover your mortgage payments if you are unable to work due to illness, injury or redundancy. While life assurance provides a lump sum payment in the event of your death, MPPI provides a regular income to cover your mortgage payments if you are unable to work due to the reasons mentioned above.
In summary, life assurance is a form of insurance that provides a lump sum payment to repay the outstanding balance of your mortgage in the event of your death. It can be a valuable way to ensure that your loved ones are not burdened with the mortgage payments if you were to pass away unexpectedly.
What is a Level Term Life Assurance Policy?
A level term assurance policy is a type of life assurance policy that provides a fixed amount of cover for a fixed period of time. It is designed to pay out a lump sum to your loved ones if you were to die within the term of the policy.
With a level term assurance policy, the amount of cover and the length of the policy are both fixed at the outset. The policy will pay out a fixed sum of money if you die within the term, regardless of whether you die at the beginning or the end of the policy term. This means that the level of cover remains constant throughout the term of the policy.
Level term assurance policies are often used to cover the outstanding balance of a mortgage, ensuring that your loved ones are not left with the burden of mortgage repayments if you were to die unexpectedly. However, they can also be used to provide a lump sum to cover other financial commitments, such as household bills or children’s education costs.
It’s important to note that level term assurance policies do not have a savings or investment element, and the policy will only pay out if you die within the term of the policy. If you survive the term of the policy, the policy will expire, and you will not receive any payout.
In summary, a level term assurance policy is a type of life assurance policy that provides a fixed amount of cover for a fixed period of time. It is designed to pay out a lump sum to your loved ones if you were to die within the term of the policy, and can be used to cover the outstanding balance of a mortgage or other financial commitments.
What is a Decreasing Term Life Assurance Policy?
A Decreasing Term Assurance Policy is a type of life assurance policy that provides a decreasing amount of cover over time. The amount of cover decreases at a fixed rate over the term of the policy, usually in line with the outstanding balance of a repayment mortgage.
The idea behind a decreasing term assurance policy is that the amount of cover decreases in line with the decreasing amount owed on a repayment mortgage, meaning that the policy should always be enough to pay off the outstanding mortgage balance if you were to die during the policy term.
As the amount of cover decreases over time, the premiums for a decreasing term assurance policy are usually cheaper than for a level term assurance policy. This can make it an affordable option for those who want to ensure that their mortgage will be paid off if they were to die during the mortgage term.
It’s important to note that decreasing term assurance policies do not have a savings or investment element, and the policy will only pay out if you die within the term of the policy. If you survive the term of the policy, the policy will expire, and you will not receive any payout.
In summary, a Decreasing Term Assurance Policy is a type of life assurance policy that provides a decreasing amount of cover over time. It is designed to ensure that the policy payout will always be enough to pay off the outstanding mortgage balance if you were to die during the mortgage term, and can be an affordable option for those who want to ensure their mortgage is paid off in the event of their death.
What is a Family Income Benefit Policy?
A Family Income Benefit Policy is a type of life insurance policy that provides a regular tax-free income to your family or dependents if you were to die during the term of the policy.
Unlike other types of life insurance policies, such as level term or decreasing term assurance policies, a Family Income Benefit Policy does not pay out a lump sum of money upon your death. Instead, it provides a regular income to your beneficiaries for a set number of years, known as the policy term.
For example, if you took out a 20-year policy with a benefit of £25,000 per year and you were to die after 5 years, the policy would pay out £25,000 per year to your beneficiaries for the remaining 15 years of the policy term.
The advantage of a Family Income Benefit Policy is that it can provide a regular income for your family or dependents to help cover essential living expenses, such as mortgage or rent payments, school fees, or other bills. This can be particularly useful if you are the main breadwinner in your household and want to ensure that your family is financially secure in the event of your death.
It’s important to note that the premiums for a Family Income Benefit Policy are usually cheaper than other types of life insurance policies, such as whole of life or endowment policies. However, the policy will only pay out if you were to die during the term of the policy. If you survive the term of the policy, you will not receive any payout.
In summary, a Family Income Benefit Policy is a type of life insurance policy that provides a regular tax-free income to your family or dependents if you were to die during the term of the policy. It can help to provide financial security for your loved ones and cover essential living expenses in the event of your death. While it may not be suitable for everyone, a Family Income Benefit Policy can be a cost-effective and practical option for those looking for life insurance coverage. As with any financial decision, it’s important to carefully consider your individual circumstances and seek professional advice before making any commitments.
What is an Income Protection Policy?
An Income Protection Policy is a type of insurance policy that provides a regular income if you are unable to work due to illness or injury. If you become unable to work and meet the policy’s criteria for incapacity, the policy will pay out a percentage of your usual income, typically up to 60%, until you are able to return to work or until the policy term ends.
Unlike other types of insurance policies, such as critical illness cover or accident insurance, income protection insurance is designed to provide ongoing support over an extended period of time, typically until retirement age or until you are able to return to work.
Income protection policies may vary depending on the provider and the policy terms. Some policies may include additional features such as rehabilitation services, which can help you to return to work more quickly.
It’s important to note that income protection policies usually have a waiting period before they start to pay out, typically between one and six months, depending on the policy terms. This is known as the ‘deferred period’ and is designed to ensure that the policy is only used to cover long-term incapacity rather than short-term absences from work.
In summary, an Income Protection Policy can provide a valuable safety net if you are unable to work due to illness or injury, helping to cover essential living expenses and maintain your standard of living. It’s important to carefully consider your individual circumstances and needs before taking out any insurance policy, and to seek professional advice if you’re unsure about what type of policy is best for you.
What is a Short-Term Income Protection Policy?
A Short-Term Income Protection Policy is a type of insurance policy that provides a regular income if you are unable to work due to illness or injury for a limited period of time, typically up to two years.
Unlike a traditional Income Protection Policy, which may provide coverage until you can return to work or reach retirement age, a Short Term Income Protection Policy is designed to provide coverage for a shorter period, offering a more affordable option for those who want protection but may not require long-term coverage.
The policy will typically pay out a percentage of your usual income, usually up to 60%, for a set period of time, which can help cover essential living expenses such as rent, mortgage payments, bills and other financial commitments.
It’s important to note that Short Term Income Protection Policies may have exclusions and limitations on the illnesses and injuries covered, and may also have a waiting period before they start to pay out, typically between one and three months.
Short Term Income Protection Policies can be a useful safety net for those who want protection against short-term loss of income due to illness or injury, providing peace of mind and financial security during a difficult time. However, it’s important to carefully consider your individual circumstances and needs before taking out any insurance policy, and to seek professional advice if you’re unsure about what type of policy is best for you.
What is a Critical Illness Policy?
A Critical Illness Policy is a type of insurance policy available that provides a tax-free lump sum payment if you are diagnosed with a specified critical illness or medical condition during the term of the policy. The policy is designed to provide financial support in the event of a serious illness, allowing you to focus on your recovery without worrying about financial pressures.
The critical illnesses covered by the policy can vary depending on the provider and policy terms, but typically include conditions such as cancer, heart attack, stroke, multiple sclerosis, and kidney failure. The policy will pay out a lump sum if you are diagnosed with one of the specified illnesses, regardless of whether or not you are able to continue working.
It’s important to note that not all critical illnesses may be covered by the policy, and some policies may have exclusions and limitations on the illnesses covered. In addition, the policy may have a survival period, which is the length of time you must survive after being diagnosed with a critical illness before the policy will pay out.
Critical Illness Policies can be a useful safety net for those who want protection against the financial impact of a serious illness or medical condition. However, it’s important to carefully consider your individual circumstances and needs before taking out any insurance policy, and to seek professional advice if you’re unsure about what type of policy is best for you.
What is Whole of Life Cover?
Whole of Life Cover is a type of life insurance policy that provides coverage for the entire lifetime of the policyholder, as long as premiums are paid. This is in contrast to term life insurance, which only provides coverage for a specific period of time.
With Whole of Life Cover, the policyholder pays a regular premium to the insurance provider, and in the event of their death, the policy pays out a lump sum to their beneficiaries. The payout amount is determined at the time the policy is taken out and is guaranteed to be paid regardless of when the policyholder dies.
One advantage of Whole of Life Cover is that it provides lifelong coverage and can be used to cover funeral expenses, pay off debts or provide an inheritance to loved ones. It can also be used for estate planning purposes.
However, Whole of Life Cover tends to be more expensive than term life insurance because the policy guarantees a payout regardless of when the policyholder dies. The premiums are typically higher because the policy is expected to pay out at some point in the future.
It’s important to note that Whole of Life Cover policies can have different features and options, such as investment options, flexible premium payments, and the ability to accumulate cash value. It’s important to carefully review the policy terms and conditions before deciding if Whole of Life Cover is the right option for you.
What is Redundancy Cover?
Redundancy cover is a type of insurance policy that provides financial protection to individuals who may lose their job due to redundancy. This type of cover can help cover your essential living expenses, such as mortgage or rent payments, bills, and other outgoings, while you are out of work and looking for a new job.
Typically, redundancy cover pays out a tax-free monthly income for a set period, such as up to 12 months, or until you find new employment, whichever comes first. The amount of cover you can receive depends on the level of protection you choose when you take out the policy, which can be tailored to your individual circumstances and budget.
It’s important to note that not all redundancy situations may be covered under a redundancy insurance policy. Some policies may have specific exclusions or require you to meet certain criteria, such as being employed for a certain length of time, before you are eligible to make a claim. It’s important to read the terms and conditions of any policy carefully to understand the cover provided and any limitations or exclusions that apply.
What is Buildings & Contents Cover?
Buildings and Contents Cover is a type of insurance policy commonly available that offers protection for your home and the possessions within it.
Buildings cover typically includes the physical structure of your home, including its walls, roof, floors, and any permanent fixtures such as fitted kitchens or bathrooms. This cover can provide protection against damage caused by events such as fire, flood, storm, or subsidence, as well as cover for the cost of rebuilding your home if it is destroyed or damaged beyond repair.
Contents cover, on the other hand, typically covers the contents of your home, including furniture, appliances, personal possessions, and valuables such as jewellery and electronics. This cover can provide protection against damage, loss or theft of your possessions, as well as cover for the cost of replacing them.
It’s worth noting that buildings and contents cover can be bought separately or together as a combined policy, and the level of cover and cost will vary depending on your individual circumstances and the insurer you choose. It’s important to carefully review the policy details and compare different options before choosing a policy that best meets your needs.
What is Landlords Cover?
Landlords cover, also known as landlord insurance, is a type of insurance policy designed to protect landlords against potential financial losses and liabilities associated with renting out their properties.
Landlords cover typically includes a range of different types of cover, including buildings cover, contents cover, and liability cover. Buildings cover protects the physical structure of the property, including any fixtures and fittings, against damage from events such as fire, flood, or subsidence. Contents cover protects any contents within the property that belong to the landlord, such as furniture and appliances.
Liability cover is also an important component of landlords cover. This type of cover protects landlords against potential claims for compensation from tenants or members of the public who may be injured or suffer damage to their property as a result of the landlord’s negligence.
Other optional components of landlords cover may include rent guarantee insurance, which can provide cover for lost rental income in the event that a tenant fails to pay their rent, and legal expenses insurance, which can help cover the cost of legal fees associated with disputes between landlords and tenants.
It’s worth noting that the specific coverage and cost of landlords cover will vary depending on the insurer and the level of coverage required. Landlords should carefully review policy details and compare different options to choose a policy that best meets their needs.
The Financial Conduct Authority does not regulate building surveyors.
Thameside Mortgage Ltd are not regulated by The Royal Institution of Chartered Surveyors, we do not have any involvement in the provision of this type of service / activity. We are not qualified surveyors and the information provided on this website is for informational purposes only. The information provided is not intended to be a substitute for professional advice, inspection, or survey.
It is important to seek professional advice and to undertake a proper survey/inspection before making decisions or taking actions related to a property.
What Our Clients Are Saying
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The whole process was quick, efficient and hassle free. Andrew is always a pleasure to deal with and finds the best option for your needs and offers clear advice throughout. I have recommended Thameside Mortgages to friends and will continue to.
james goldfinch
15th July 2024Andrew at Thameside mortages has been brilliant in helping us secure great mortgage deals for my last 2 properties. He provides straight forward, honest advise and makes what can be a complex process very easy. Our most recent remortgage has been complex due to our requirements for an expat buy-to-let mortgage, but Andrew has been very thorough and persistent is scouring the market for the best deal that suits our financial needs.
Faris Pervez
16th June 2024As a first time buyer Andrew made the process seamless for me. He explained everything to me from my mortgage in principle to completion and answered all my questions (I had a lot!). I would recommend Thameside Mortgages to everyone and anyone!
Louise Houghton-Campion
16th June 2024Andrew worked very diligently and quickly to secure us a good deal and explained everything in clear and understandable terms. This is the 4th or 5th time I have used Andrew and I would definitely recommend him to anyone - always available, lots of good advice, proactive with the lender trying to push everything through. 5 stars
Charlie Riddell
16th June 2024I’m so grateful for all of Thames Mortgages help throughout the process of buying our home. It wasn’t an easy purchase, but Andrew and the team have been so supportive throughout and we couldn't have met our deadline we wanted to meet without their helping. Thank you so much. Lexy
Lexy Besterman
16th June 2024Andrew and his team have proven to be invaluable in helping me secure a great deal on my mortgage for both Buy-to-Let and residential properties. They consistently go above and beyond to ensure their clients receive the best possible service. When it was time to remortgage, Andrew reached out to me and gave me the confidence that they were committed to finding the best deal. They searched diligently and were able to secure me an absolute fantastic offer. Throughout the entire process, they have been extremely helpful, friendly, and readily available around the clock to assist me. They keep us informed and involved whenever applicable, ensuring that we have a clear understanding of all discussions and decisions. Their unwavering support and exceptional assistance have earned our utmost appreciation. Without hesitation, I highly recommend Thameside Mortgages to anyone looking for assistance with their mortgage needs. Their professionalism, dedication, and expertise make them the perfect choice for anyone looking for mortgage, Lfe policies etc.,
P K
16th May 2024 -
I’ve just completed my remortgage with Thameside and highly recommended. They constantly checked the market to ensure we got the best rate in these challenging times, and were always on hand to explain anything I didn’t understand.
Safeya Abou-Zeid
16th March 2024Very professional always available when you need help. very happy I highly recommend them to anyone that wants to get a mortgage.
Arber Krasniqi
16th February 2024The Thameside Mortgages are incredible.They are extremely helpful and supportive.They have an extremely supportive and helpful staff who helped in every way possible.I recommend Thameside Mortgages to everyone who is looking!
Nand Pandey
16th February 2024I worked with Andrew and Laura at Thameside Mortgages when purchasing my first home. The help and guidance I received was fantastic. Andrew was responsive and knowledgeable, and he was able to explain things simply to me. Would highly recommend to any first time buyers! Thank you both.
Lucy Edmondson
16th February 2024Very helpful and go the extra mile to get you the best deal possible .
mark melbourne
16th December 2023We were originally introduced to Andrew by a friend and we never looked back following our first introductory meeting. Our purchase was complicated by being based overseas, having an existing property in the UK, and other factors that meant certain mortgage products weren't suitable for our circumstances. Andrew took the time to understand our needs and tailored his advice accordingly, leveraging his comprehensive knowledge of the products available particularly during the fast-changing market as interest rates spiked. His personalised approach and patience ensured we understood the options available and enabled us to structure our purchase in a way that was optimal for us. It was evident that Andrew had our best interests at front of mind to build a trusted and lasting relationship. We'll definitely be using Andrew again when we look to remortgage in the future and for advice regarding the other insurance services he provides.
MD
16th November 2023 -
Can't fault the service we got from Jason and Laura. Highly recommend Thameside Mortgages. Thank you both for your hard work.
Kate Brewer
16th November 2023We were referred Andrew & Laura by a friends who has recently bought their first home and we are so glad they did! As first time buyers this was all new and scary to us but Andrew reassured us and made things so easy every step of the way. He proactively updated us and explained things so clearly. They have exceeded our expectations not just by helping us find a mortgage suitable for us but also sorting out all our insurances making the process stress free. Even once we got the keys to our home we received a lovely new home hamper and the attention to detail was fantastic! Thank you Thameside Mortages!
Jade Leonard
16th November 2023Andrew and Laura have been a great support throughout my (long!) process of buying and selling. Andrew has always made the options available to me in terms of various mortgages or insurance crystal clear so I understand everything clearly as I am not one naturally with a head for figures. It became overwhelming at times but the Thameside team would help break things down so I got a grasp of everything before making huge decisions. My journey to eventually get to my new home was a bit of a rollercoaster but the team were always patient and supportive when I'm sure at times they were equally as frustrated by the challenges as I was. Above all though, Andrew and Laura (and Zoe) are all thoroughly nice people and that in itself is priceless.
Nicola R
16th October 2023My mortgage renewal was made very easy and feel I got a good deal considering the current market, thank you for kindness and help to do this! 😊
Emily Dyett
16th October 2023A friend of mine recommend Thameside Mortgages and after obtaining my mortgage I will do the same in the future to anyone I know who's looking for a mortgage broker. Thank you Andrew and Laura, you've been brilliant!
Bradley
16th October 2023Great service and fantastic communication. Very happy
charly wild
16th October 2023 -
Our experience with thameside was very very good. Andrew and Laura were very helpful and supported me and my partner throughout the whole mortgage process which made it a lot easier than we first feared. We would highly recommend thameside to anyone in a heartbeat. We wouldn’t have been able to get through without them both.
Luke Whittle
16th September 2023Massive thanks to Andrew and Laura. Couldn’t fault either of them, helped me throughout the entire process from getting the price range I wanted all the way to completion and making sure my insurance was all set up and everything was ready for when it needed to be! Couldn’t recommend anyone better!
Harry Frolich
16th September 2023Myself and my partner spoke to different company’s before speaking to Andrew and Laura at Thameside Mortgages and was absolutely blown away by the time and effort they put in straight away. They secured us a much better rate then we had previously been offered by 3 other companies and took the time to explain everything to us, as first time buyers we was unsure of the process. Not only securing us a brilliant rate in uncertain times with rates constantly rising but also helping with our life insurance and home insurance policies too. We could not have done this whole process without them and would highly recommend them to anyone in the process of sorting a mortgage!
April Ward
16th September 2023Very efficient and streamlined service. Our mortgage re-application has gone through smoothly and pleased with the service we have received. Would highly recommend.
Nicola Vander
16th September 2023I am so grateful to Andrew and Laura for their guidance through my original mortgage application as well as my recent renewal. They have always been on hand to answer any queries or questions and have made the process as stress-free as possible. I would highly reccomend.
Holly Rai
16th September 2023I had the pleasure of working with Thameside Mortgages for my recent home purchase, and I cannot praise them enough for the brilliant job they did. From start to finish, the team at Thameside Mortgages demonstrated exceptional professionalism, expertise, and dedication. Throughout the entire mortgage process, they exhibited a deep understanding of the market and their attention to detail and thoroughness in explaining every step of the process ensured that I felt informed and confident in my decisions. What truly set Thameside Mortgages apart was their personalised approach. They took the time to understand my financial goals and tailored their services accordingly. Their excellent communication and responsiveness made me feel valued as a client, and I never had to worry about any aspect of the mortgage application. I am immensely grateful for the support and guidance I received from Thameside Mortgages. I wholeheartedly recommend Thameside Mortgages to anyone seeking mortgage services, as they truly go above and beyond to deliver outstanding results.
David Leece
16th August 2023 -
I've know Andrew Sheen for a number of years and he helped us with our remortgage and was very professional, gave excellent advice and knew and understood all our needs and requirements. I would highly recommend him and his company to anyone wishing to use them.
IBAS RM
16th August 2023Excellent and very friendly service! Jason helped me to secure my mortgage and was always super quick to respond. As a first time buyer I found his advice incredibly helpful, throughout what ended up being a very long process after one purchase fell through. Andrew was also very helpful when Jason was on leave. I would recommend Thameside to anybody.
Emily Peddle
16th August 2023Amazing service. I couldn’t recommend more highly. Andrew has everything covered and knows his stuff. He has spoon feed me at every step (much needed). Andrew and his team have gone above and beyond for me and I will always be grateful for the advice and support they have given.
Rebecca Cave-brown
16th August 2023Andrew and his team have been incredibly helpful with our recent mortgage change. They have been very comprehensive with the options available, and guidance has been balanced and clear. Would highly recommend them.
Rhys Edwards
16th August 2023Excellent service from start to finish. Great communication throughout. Andrew and Laura were very helpful and always at the end of the phone if needed and always kept me updated throughout our process and communicated after ensuring everything went smoothly. Would highly recommend using Thamesside mortgages for a smooth and reliable easy process.
Carla Marlow
16th August 2023Andrew and the team were exceptionally helpful and made a stressful and confusing situation manageable.
Ed McConnell
16th August 2023 -
Andrew provided an excellent service throughout our mortgage application and house purchase. We felt we got a really good deal through him, and I'd recommend him to anyone
Sam Tait
16th August 2023Excellent service by Thameside Mortgages mainly by Andrew. I got two mortgages recently and Andrew helped me all through the process and got best deals on the market in those tough times. He is very much approachable and answered to all my queries with lots of patience and to his best. He is very knowledgeable and made the whole process smooth and simple. A BIG THANK YOU
D Pingali
16th July 2023Andrew has been absolutely fabulous sorting a first time mortgage for my daughter and her fiancé and also sorting a mortgage for a good friend. I would highly recommend him.
Jane Gedge
16th July 2023Throughout the process, from my initial enquiry and telephone appointment, to his post completion call, I have felt well advised, supported and valued as a customer. With his clear and calm approach, Andrew has a way of making you feel, you are his only client and that nothing is too much trouble, (which is very reassuring to someone whose last mortgage was over 30 years ago). While he was personally recommended to me, I have no hesitation in extending that recommendation further, along with my thanks to him and his team for their excellent service.
Yvonne Savage
16th July 2023Andrew was very supportive throughout the whole process of remortgaging-uploading the documents was easy and communication was excellent. He sorted any issues out swiftly via WhatsApp. I had issues with the solicitor which he was able to sort out and continued to look into after my mortgage completed.
Tanya Foreman
16th July 2023Andrew and the team did a fantastic job securing us a good rate during the recent economic turmoil, helping us each step of the way to secure the mortgage. Fantastic service and I would highly recommend them to anyone seeking a mortgage.
Guy Danielle de Rose
16th July 2023 -
So so impressed with and grateful for the work of Andrew of Thameside Mortgages. He made every step of buying our dream home as easy as it possibly could be. Andrew was the perfect combination of friendly and professional, keeping us informed throughout such a daunting process. We cannot recommend enough. Ben & Hayley.
Ben Driver
16th July 2023A really excellent service in which my advisor (Andrew) took time to really understand my situation, priorities and suggest a product that would work best for me. I really felt treated like a human being - and was shown real patience in how something that feels complicated to me was explained. Andrew asked lots of clear questions and gave me a really clear explanation of what each potential product would mean for me - both verbally and then in writing. Can't recommend highly enough!
Nick Evans
16th July 2023Andrew was recommended to me by my Mum who had recently used him and his team for her purchase. I am 20 so am on a learning curve of what’s involved, and Andrew was a perfect choice for all the support I needed to make my first purchase come true! From initially satisfying the mortgage lender, managing the process, and getting to completion which wasn’t straight forward. My initial offer fell through due to the seller, but Andrew and his team kept me on track with reapplying my mortgage offer to another property and extending so it didn’t expire. This also included guidance on a homebuyer’s report and a huge amount of easily explained detail to helpfully understand the importance of mortgage protection. In addition to my daughter’s review above, as her parent, I’d like to add: Andrew helped myself and partner purchase a property which I have already left a review for, but I also wanted to express my gratitude for helping my daughter. Especially at a time when the climate is so turbulent, as always, Andrew and his team went above and beyond what I have experienced from other advisors. I cannot express enough what an exceptional service Andrew and his team provides. His passion, knowledge and client experience shine at every opportunity adapting to suit your needs. Working in user experience, as a client and from a professional point of view, it is clear Andrew has an exceptionally high level of service that he wishes to deliver to all clients which captures that ‘above and beyond’ experience so well. I am truly grateful for successfully helping my daughter take her first, incredibly important step onto the property market. Sincerely, life changing. I will be recommending and using you again whenever opportunity presents itself. Thank you.
elizabeth shepherd
16th July 2023Cannot recommend highly enough. Very helpful throughout the whole process and was able to secure a better rate than a free broker.
Marcel franke
16th July 2023Andrew and team were brilliant throughout the whole process, and made what could’ve been a very stressful time seem easy. They were so responsive and went out of their way to get our application in quickly to avoid interest rate rises, which made such a difference in such uncertain times. Would highly recommend to anyone and everyone!
Ellie Joyce
16th July 2023Andrew and his team were not only very knowledgeable and able to find an excellent deal for me, but also incredibly helpful and supportive throughout the whole process. They were very responsive and flexible and made the mortgage application process very smooth and stress-free for me. I will certainly be back for my next mortgage deal!
Raluca Ion
16th July 2023 -
Andrew and thameside were recommended to us by a friend and we’re glad we contacted them! Andrew was very helpful and provided all the information we needed to make the best decision for us. We were able to secure our first house very quickly and couldn’t be happier!
Matt Carpenter
16th July 2023Jason was very knowledgable and calm during the whole process and always available to answer my questions. I would definitely use Thameside again.
Kerry Briggs
9th November 2022The 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
26th October 2022From 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
23rd October 2022This 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
23rd October 2022This is the second time I've instructed Andrew Sheen at Thameside Mortgages to find and secure the right deal for me. On both occasions I've had complete confidence in his ability to work with my best interests at heart. So professional and personable, I hope to always work with him when moving house or remortgaging. Not to mention, he's also a really top bloke. Thank you Andrew and team. Let's do it all again in 5 years time.
Tom Denton
23rd October 2022 -
Both Andrew and Laura were extremely helpful and responsive from start to finish. I highly recommend using Thameside Mortgages, we will definitely use them again.
Jake Whitford
23rd October 2022Thameside 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
23rd September 2022Can 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
23rd August 2022Huge 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
23rd July 2022I 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
23rd July 2022Fantastic 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
23rd July 2022 -
We used Thameside Mortgages for the purchase of our first home. We had both a professional and brilliant service from Andrew and his team. I would highly recommend Thameside Mortgages. They go above and beyond and guided us through the whole process. Thank you so much Andrew.
Alice Gedge
23rd June 2022Andrew 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
23rd June 2022I 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
23rd May 2022Andrew and his team are great to work with! They are very knowledgeable and have been very helpful throughout the whole process!
Yafet Cole
23rd May 2022Thameside 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
23rd May 2022Brilliant 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
23rd May 2022
