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How to get a mortgage - or remortgage - in Folkestone


Folkestone is a coastal town on the English Channel in Kent. It is situated 20 miles south of Canterbury, 18 miles southeast of Ashford and 60 miles southwest of Margate. The town is on the southern edge of the North Downs in a valley between two cliffs. It is thought that the town has been occupied since the Mesolithic era.

Landmarks in the town include its harbour, that has greatly diminished in use since the opening of the Channel Tunnel. The harbour is now famous for the ‘Harbour Arm’ that has cafes, pubs and live music. The cliffs around the beach are also a notable sight within the town with the Martello Tower standing on them. There are a couple of famous landmarks outside the town: The Battle of Britain Memorial and the Kent Battle of Britain museum. The latter is the oldest Battle of Britain museum in the United Kingdom.

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip 

Remove financial links to old partners

This applied to both life partners and business partners: your credit rating can decrease because of the suspect credit history of someone you have previously had shared accounts or finances with.

Write to your credit reference agency and ask for a notice of disassociation.
Top Mortgage Lenders 

Interest-only Mortgage

This type of mortgage is purely directed at paying off the interest on your loan. You pay off the capital yourself using another investment vehicle and your monthly repayments are to pay off the interest. For a repayment mortgage the interest can decrease, however with this type the interest rates never reduce. However initially your payments are lower than that of a repayment mortgage.

Interest-only mortgages are now purely the preserve of commercial clients such as those buying to let. This type of mortgage is not for residential customers.
CT20 1AA

Property Price Stats for Folkestone


Average property price in Folkestone £233,990
% Change compared to last year 5%
Population of Folkestone 46,698 (2011)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

RECENTLY COMPLETED MOVES IN Folkestone

  • Sandgate High Street, Sandgate, Folkstone, CT20 3BD
  • East Cliff, Folkstone, CT19 6BU
  • Bouverie Pl, Folkestone CT20 1AA
  • Dover Rd, Folkestone CT20 1LA
  • Cheriton High St, Folkestone CT19 4ET

Local High Street Banks in Folkestone

Find a mortgage lender near you:
Some branches may have closed down - Call 0333 344 3234 for a Mortgage Broker covering Folkestone

  • Lloyds Bank - 43 Sandgate Rd, Folkestone CT20 1RZ
  • NatWest Bank - Europa House, 49 Sandgate Rd, Folkestone CT20 1RU
  • Barclays Bank - 67 Sandgate Rd, Folkestone CT20 1RY

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Mortgage Broker Tips for the Conveyancing Process

Getting financial help towards your deposit from a family member?

To save yourself delays in the conveyancing process further down the line:

1 The family member must decide whether it's a gift or a loan.
2 If it's a gift, you must ensure that the person gifting fills out a gifted deposit letter with the correct information.

The correct information must be set down and the letter must be signed by witnesses. The giver will also have to provide ID and proof of funds. If the giver isn't a family member, you must tell your mortgage lender as this can sometimes cause issues.

For further information about these matters, including a useful template, please click on Gifted Deposit Letter

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