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

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Whole Market Access

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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FREE mortgage consultations &
Exclusive mortgage rates

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

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Fast mortgage appointments

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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Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

How to get a mortgage - or remortgage - in Whitstable


Whitstable is a seaside town on the north coast of Kent. It is strongly associated with oysters and has a yearly regatta. Landmarks include Whitstable Castle and Duncan Down, the latter apparently the largest village green in England at 52 acres.

Some top restaurants here include Wheelers Oyster Bar, Samphire and Birdies (for French cuisine). You can also visit Whitstable Town Centre, Whitstable Harbour, Whitstable Castle & Tanketon Slopes.

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 

Don't 'dive into' all the credit that's available to you!

Credit reference agencies tend to view people who take up all credit available to them as overextended financially.

People who are overextended financially are statistically more likely to default on credit repayments or to make payments late – it all translates into a lower credit score, which will make future credit applications less assured of being granted and any credit granted more expensive.
Top Mortgage Lenders 

Mortgage Types

Mortgages can be examined in terms of whether they share one or more of the following characteristics (although the first two are 'either/or' choices):

  • Repayment or Interest-only
  • Fixed or variable rate
  • Offset
  • Help to Buy
  • 'Helper'

Residential mortgage applicants can only take out repayment mortgages whereas non-residential clients can also opt to take out interest-only mortgages.

Interest rates are either fixed for a period or track a particular rate, which always involves taking into account movements in the Bank of England's base rate. Offset mortgages look to offset interest made on savings against interest owed on a mortgage and thus make repayments cheaper.

Help to Buy mortgages are specific to the Government's Help to Buy scheme, in which you buy a New Build home from a Help to Buy agent, using an equity loan of up to 20% (40% for Help to Buy London) from the Government and a reduced (minimum 5%) deposit. They are smaller than normal in terms of loan to value ratios because they only have to cover up to 75% of the purchase price (up to 55% for Help to Buy London).

Helper mortgages describe mortgages where a mortgage applicant has the help of an associate (normally a close family member) in buying a home. The associate provides security that the loan will be paid back either by putting up their own home as collateral or by putting money into an account which the lender controls, which may not be able to touched for a number of years, or by devoting interest earned on a savings accounts to bring down the interest on the mortgage loan, making the mortgage cheaper to repay.
CT5 1QF

Property Price Stats for Whitstable


Average property price in Whitstable £319,626
% Change compared to last year 10%
Population of Whitstable 35,248 (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 Whitstable

  • 53 Millstrood Road, Whitstable, Kent CT5 1QF
  • 19 Old Bridge Rd, Whitstable, Kent CT5 1RH
  • 108 Joy Ln, Whitstable, Kent CT5 4ES
  • 21 Gladstone Rd, Whitstable CT5 1JG
  • 15 Graystone Rd, Whitstable, Kent CT5 2JY

Local High Street Banks in Whitstable

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

  • HSBC - 45 High Street, Whitstable, Kent CT5 1AS
  • Natwest - 56a High Street, Whitstable, Kent CT5 1BD
  • Nationwide - 78/80 High Street, Whitstable, Kent CT5 1AZ

Book a Free Mortgage Broker Consultation
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Appointments available today
Get a mortgage quote tailored to your own requirements
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Mortgage Broker Tips for the Conveyancing Process

For fast conveyancing in Whitstable, the trick is to choose the right solicitor from the outset.

  • Whilst this may seem like an obvious one, it's not just the standard of reviews that means a solicitor is good. It is also the volume of work. 
  • You need someone who values high communication levels and will work with your best interests in mind at all times. If a solicitor is overworked, your case may get overlooked, which can increase the chance of delays and poor prioritisation of clients. 
  • At SAM Conveyancing we aim for completion within 6-8 weeks. For us, we make sure your deadline is as achievable as possible.

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