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Your home may be repossessed if you do not keep up repayments on your mortgage.

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You'll have access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Our mortgage consultants can access exclusive mortgage lending rates which are not available to you when applying direct (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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How to get a mortgage - or remortgage - in Gillingham


Gillingham is a town in the Medway unitary authority in Kent in South East England and is around 30 miles east south-east of Central London. It has a strong maritime association. Landmarks and attractions include the Royal Engineers Museum, the Priestfield Stadium (Gillingham Football Club's home ground) and the Strand Leisure Park.

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 

Lower your credit utilisation ratio

The credit utilisation ratio is how much credit you've taken up as a portion of how much credit you've been offered. Your credit score will generally rise the lower this ratio is. As a general rule, you should always keep the ratio below 50% overall and considerably lower if possible.

If you have more than one credit card you should also be aware of the utilisation ratio overall and per card, because credit reference agencies take all the measure into account.
Top Mortgage Lenders 

Capped Rate Mortgage

Capped rate mortgages are variable rate mortgages with an agreed cap on how high the rate – and therefore your repayments – can rise.

The rate can fall, meaning your payments become cheaper, and cannot rise above a certain agreed level, making it easy for you to budget and more predictable.

You should be very clear about whether you can afford to make the repayments at the level of the cap, which might be set quite high and the interest rates offered may be less competitive than for other variable and fixed rate mortgages.

Capped rate mortgages may also be for a particular fixed time period and if they are, you may have to pay a large sum if you choose to leave early.
ME7 2NN

Property Price Stats for Gillingham


Average property price in Gillingham £216,716
% Change compared to last year 13%
Population of Gillingham 104,157 (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 Gillingham

  • 29 Cavendish Avenue, Gillingham, Medway ME7 2NN
  • 22 Windsor Court, Gillingham, ME7 4PQ
  • 116 Marshall Road, Gillingham, Kent, ME8 0AN
  • 114 Hawbeck Road, Rainham, Gillingham, Kent, ME8 9UY
  • 12 Twydall Green, Gillingham ME8 6JY

Local High Street Banks in Gillingham

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

  • Lloyds - 106-108 High St, Gillingham ME7 1AX
  • Barclays - 89-93 High St, Rainham, Gillingham ME8 7HS
  • HSBC - 87 High St, Gillingham ME7 1BP

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Mortgage Broker Tips for the Conveyancing Process

If your home purchase in Gillingham is being financed with the help of family and friends, making sure your solicitor has all of the information in good time can speed up the conveyancing process.

Your solicitor will need proof of funds, ID and relevant documentation where there is a loan or a gift. Without these documents, you may not be able to exchange until your solicitor has them in his hands.

Even then, a mortgage lender may be unwilling to lend where there is an unregistered interest, i.e. the financial interest of this third party, over the property.

As things can get so complicated, it is important to get things sorted out from the outset so your solicitor can get working on it as soon as possible.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels