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Our Mortgage Broker Guide to getting a mortgage in Broadstairs

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

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

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

Mortgage Broker Broadstairs Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Be wary of 'quick fix' credit improvement organisations

Some companies offer to fix your credit score in little or no time. You should be extremely suspicious of spending any money on these as the hard truth is that a credit score cannot normally be fixed quickly.

Anything that one of these companies claim to be able to do you can do yourself. If there's a mistake on your report, you yourself can work to fix it by communicating with the agency with appropriate evidence. You don't have to pay a company a fortune to do it for you. And if you've got credit problems, these can be fixed, by you, over time.

Tracker Mortgage

Tracker mortgages are a type of variable rate mortgage and their interest rate tracks another rate, which is normally the Bank of England base rate.

Because the rate these mortgages track can move about, what you repay can go up and down and you should plan for this accordingly.


Broadstairs is a coastal town and seaside resort. Its local authority is Thanet and the town has been referred to as "the jewel in Thanet's crown". Its name derives from a cliff-top shrine to Our Lady at the top of the cliff, which was accessed via a flight of steps and the town starts to appear in records in its own right from around the 15th century.

From a population of around 300 in 1815, the town's population grew rapidly as professional classes moved there: by 1850, the population had risen to around 3,000. Further 'fuel' was added to this rise by the arrival of the railway in 1863.

The town hosts the Broadstairs Dickens Festival annually in honour of the novelist. It has some notable beaches: Botany Bay and Joss Bay received a blue flag rural beach award in 2005.

CT10 2AD

Property Price Stats for Broadstairs


Average property price in Broadstairs £362,532
% Change compared to last year 13%
Population of Broadstairs 25,000 (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

Mortgage Broker Broadstairs - Recently Completed

  • Eastern Esplanade, Broadstairs, KENT CT10 1DQ
  • Reading Street, Broadstairs, Kent CT10 3BD
  • Bishop Close, Margate, Kent CT9 4FP
  • Cavendish Mansions, Lewis Crescent, Cliftonville, Margate, Kent CT9 2LJ
  • St Mildreds Road, Westgate-on-Sea, Kent CT8 8RN

Local High Street Banks in Broadstairs

Mortgage Broker in and around Broadstairs

Our Broadstairs mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Kingsgate, Reading Street, Northwood, Newington, St Lawrence, Newington and Ramsgate.

Which banks are local to you?


  • Nationwide Building Society - 21 High St, Broadstairs CT10 1BH
  • HSBC - Margate Rd, Broadstairs CT10 2BF
  • Lloyds Bank - 3 Queen St, Ramsgate CT11 9DL

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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Mortgage Brokers Broadstairs offering free first consultation (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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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

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Broadstairs Mortgage Broker Insider Tips

Book your mortgage valuation as soon as you've had your offer accepted

If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle but then, once you've had an offer accepted, your mortgage lender has to value the property and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.

You can therefore minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down. 

Additionally, if there's any issues, like your lender undervaluing your property or making you a conditional offer, there might be further delays.

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