MORE THAN JUST MORTGAGES
TRUST | INTEGRITY | HONESTY
Mortgage Brokers covering Kent, Surrey, Bedfordshire and the surrounding areas
Why Choose Us?
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
You want to feel involved with, clued up and confident about your mortgage, not scared to ask questions and railroaded into taking a product you aren’t sure about.
At Thameside Mortgages, we do things differently. A member of our small friendly team will work one to one with you from the first call to the completion of your mortgage. Our intense desire to put our customers first and offer a service that people rave about has been the driving force behind everything we do and the reason we have over 200 5* reviews.
If you’re looking for a broker that will genuinely listen, seek to understand your situation, and advise you on the best options, get in touch today for a no-obligation initial chat and see for yourself what sets us apart.
We are proud to be your 5-star rated mortgage brokers covering Kent, Surrey, Bedfordshire. and the surrounding areas, such as Gravesend, Bromley, Bexleyheath, Chatham, Rochester, Dartford, Sutton, Shoreham, Maidstone, Orpington, Ashford, Sevenoaks, Feltham, and Wraysbury.
What is the mortgage application process for a purchase?
Mortgages can be daunting, especially if you’re a first-time buyer. At Thameside Mortgages, however, from your first enquiry to getting the keys, we will be on hand to guide and support you every step of the way. Here’s what you can expect:
1.) Our mortgages brokers in Kent will start with an initial chat so we can gather some details. This will give us an idea of how much you can borrow, your maximum purchase price, the costs associated with the mortgage and your approximate monthly repayments.
2.) You’ll then receive an email detailing this information and setting out your next steps should you wish us to proceed to find an Agreement in Principle (AIP).
3.) Once you have an AIP, we will send you a full list of documentation we will need to complete the application. If you are purchasing a new property, you can now go and start house hunting, and we will check in with you every 1-2 weeks.
4.) Once your offer has been accepted and we have the information required to submit an application, we will ensure the survey (valuation) of the property is arranged and send the required documents to the mortgage lender. Our job is to obtain a formal mortgage offer (approval) as quickly as possible.
5.) At this point, there are numerous areas we can help with. Firstly, we would look to ensure you have the right level of insurance to protect you, your family and your home. Things can get complicated and confusing during the legal process, so we will always be on hand to help you with each step and provide the solicitor with any documents in relation to your purchase. We’ll continue to liaise with you and the solicitors to ensure clear and smooth communication and regular updates right through to the point of completion. So you never feel left in the dark or overwhelmed and confused by jargon.
6.) Once completed, you can relax, feeling confident that you have the right mortgage and protection.
We’ll now take care of you for as long as you have a mortgage and beyond. We will be in touch six months before your new deal is about to end and walk you through the process again.
What is the mortgage application process for a remortgage?
Interest rates have risen significantly since the turn of 2022, meaning thousands of people are coming to the end of low-interest rate mortgage deals. It’s incredibly difficult to know whether to gamble on rates reducing or take the security of a long-term fixed rate.
When there are six months left on your current deal, it’s the perfect time to assess your options. Don’t worry. You won’t pay a penalty for coming out of your current deal early. You will just secure a deal ready for when the current mortgage product comes to an end.
At Thameside Mortgages, from your initial conversation to the completion of your remortgage, we will provide you with the pros and cons of the thousands of mortgage products out there, ensuring we choose a product that suits your needs and attitude to risk. Here’s what you can expect:
1.) We’ll start with an initial chat so we can gather some details. This will give us an idea of your existing mortgage details (balance/term/interest rate/when your deal ends).
2.) We’ll guide you through the various mortgage options, such as fixed rate vs variable rates and short-term vs long-term deals.
3.) This will be the perfect time to decide whether you’re happy keeping all aspects of your mortgage the same, such as the loan amount and the mortgage term, or if you would like to consider raising extra finances at the same time to make home improvements or clear some debt.
4.) Invariably, we will compare the mortgages your existing lender can offer against the thousands of other products available to you.
5.) You’ll then receive an email detailing your options, setting out your next steps to secure the deal and a full list of the information we will need to complete your application.
6.) Once we submit your application, we will send the required documents to the mortgage lender, and our team will work hard to obtain the formal mortgage offer/approval as quickly as possible.
7.) We will look to ensure you have the right level of insurance to protect you, your family and your home. We will liaise with you and the solicitors to ensure clear and smooth communication and regular updates right through to the point of completion. So you never feel left in the dark or overwhelmed and confused by jargon.
8.) Once your remortgage has completed, you can relax, feeling confident that you have the right mortgage and protection for your needs.
9.) We will take care of you for as long as you have a mortgage and beyond. We will be in touch six months before your new deal rate is about to end and walk you through the process again.
At Thameside Mortgages, our brokers have helped hundreds of people in Kent and the surrounding area achieve peace of mind with their mortgages. Our exceptional customer service and communication are what sets us apart and keep our customers returning to us year after year.
How many lenders do you have access to?
At Thameside Mortgages, we are able to search more than 90 lenders to find you a mortgage deal that’s right for you. We take the time to understand you, your situation and future plans to help us find a product that fits. So, whatever your situation, poor credit, employed or self-employed, looking for a single or joint mortgage, it’s worth getting in touch to see if we can help.
Why choose Thameside Mortgages?
If you’re looking for a mortgage broker in Kent that will walk with you through the entire process and always keep you up to date and in the loop, you’re in the right place. Our brokers really take the time to understand each and every customer to find the right products for each unique situation. We have been serving Kent and the surrounding areas for over 17 years and have over 200 five-star reviews from customers who have been delighted with our high level of customer service, outstanding communication and willingness to explain things clearly.
Do you provide mortgage protection?
Absolutely. Part of our dedication to our clients is ensuring you have the right level of protection. Again, our highly experienced mortgage brokers will take the time to look at your situation and future goals to make recommendations that are personal and tailored to you. We’ll look at your current policies and what employee benefits you may have to ensure they are fit for purpose and highlight any shortfalls. Our promise to you is that we’ll never push products you don’t need, and we won’t confuse you with jargon.
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…
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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
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
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
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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
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
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
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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
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
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
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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
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
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
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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
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
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
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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.
Tom Denton
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
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!
Lauren Cosgrove
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I used Andrew and team 5 years ago and they were brilliant, I couldn't recommend them enough. Recently used them for my renewal and nothing was a problem and felt easy to complete. First class hassle free!!
Shaun Bradford
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
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
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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
Thameside Mortgages have been fantastic. They helped me through the whole mortgage process and were totally supportive. I was not only trying to buy a house but also remortgage my old one at the same. I can t tell you how stressed I was but Andrew and Lydia were amazing and walked me through the whole process. They will always do their best to help you. Believe me you are in safe hands with them. Thanks Sharon
Shaz Call
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
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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
We’ve been using Andrew for over 10 years, the service, knowledge and expertise he provides is exceptional! From our first time mortgage to re-mortgage, Andrew has always obtained extremely competitive rates vs what you would find on the market and is extremely responsive throughout the process. We also have our life insurance policies with Andrew, which we have found to be incredibly competitive. All around a great team and I would highly recommend Thameside Mortgages to anyone.
Philip Ismail
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
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Great service from start to finish, made the whole process very smooth and easy
Chris Lewis
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.
Laura Biggs
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
