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Our Mortgage Broker Guide to getting a mortgage in Folkestone

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 Folkestone Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

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.

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.


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.

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

Mortgage Broker Folkestone - Recently Completed

  • 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

Mortgage Broker in and around Folkestone

Our Folkestone mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Capel-le-Ferne, Newington, Hawkinge, Paddlesworth, Hythe, Beachborough and Pedlinge.

Which banks are local to you?


  • 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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Information about Mortgages


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

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Whole Market Access

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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FREE mortgage consultations for Folkestone

Mortgage Brokers Folkestone 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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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.

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Folkestone Mortgage Broker Insider Tips

Buying a home? Consider instructing a solicitor before anything else!

When you're looking to buy a home, it's a given that you'll be using a conveyancing solicitor (unless you're willing to risk a vast sum of money without the benefit of legal protection and expertise!).

Because the solicitor has to set up a file for you and you have to fill out forms and prove your ID/source of funds etc., the sooner you can do this, the more time you can save.

You do not have to have even picked out a property and made an offer at this stage! Ideally, you'll have applied for a mortgage and received a mortgage in principle, so you'll be in a position to look for houses within your budget range.

Matters like booking your mortgage valuation, booking a survey and getting searches can only occur once you've had an offer accepted, however instructing a solicitor is not dependent on this.

One advantage of this approach is that when it comes to putting in offers to vendors, telling them that you've already instructed your solicitor shows them that you're 'ready to go' and likely to be on the ball regarding the progress of any sale and a faster completion.

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

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.