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Our Mortgage Broker Guide to getting a mortgage in Kent

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 Kent Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't apply for credit unless you absolutely need it

While taking up a small amount of credit and paying it back on time is helpful for improving your score if you've not had credit before, as a general rule you should not use credit to pay for something unless you absolutely need to.

Each time you apply for credit, a hard inquiry is made into your credit worthiness and of itself this negatively impacts your credit score. So one way to keep your score higher is to limit these hard inquiries. Besides, if you can afford to pay for something outright, you'll avoid having to pay out extra in the longer term in interest payments.

Remortgage

When you already have a mortgage in place, there are various reasons why you might want to renew your mortgage or change providers. This is called getting a remortgage. You might have come to the end of a fixed interest term period, for example, and be seeking a new fixed interest term rather than going on to your lender's standard variable rate, or you might want to get a lump sum to carry out a loft conversion.

To find out more, click on Remortgages


Kent is a home county - it touches Greater London - and its county town is Maidstone and Canterbury is its only official city. It is the main area in the UK for hazelnut growing. It has two universities, the University of Kent in Canterbury and Canterbury Christ Church University, as well as a collaboration called Universities at Medway (composed of the aformentioned two as well as MidKent College and the University of Greenwich).

Most of Kent is green space - around 85% - and it is the most populous English county (a little more than 1.5 million people). The largest proportion of Kent businesses are in the professional, scientific and technical group. It contains many excellent seaside towns and resorts, ranging from Brigton to Bognor Regis.

ME15 7UL

Property Price Stats for Kent


Average property price in Kent £309,102
% Change compared to last year 9%
Population of Kent 1,510,400


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 Kent - Recently Completed

  • 38 Quarry Road, Tonbridge Wells, Kent, TN1 2EZ
  • 13 Bellegrove Road, Welling, Kent, DA16 3PA
  • The Cottage, Vicarage Road, Yalding, Kent, ME18 6DR
  • 33 St Georges Crescent, Aycliffe, Dover, Kent, CT17 9HW
  • 35a Castleton Avenue, Barnehurst, Kent, DA7 6QT

Local High Street Banks in Kent

Mortgage Broker in and around Kent

Our Kent mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Sevenoaks, Tonbridge, Gillingham, Maidstone, Chatham, Forest Gate and Tunbridge Wells.

Which banks are local to you?


  • HSBC Bank Plc - 87 High St, Gillingham ME7 1BP
  • Lloyds Bank Plc - Abdication House, 69 High St, Rochester ME1 1LY
  • Barclays Bank Plc - 89-93 High St, Rainham, Gillingham ME8 7HS

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Kent Mortgage Broker Insider Tips

If you're buying, getting a structural assessment (Building Survey) of your property in Kent from a RICS Surveyor is key and can save you £1,000s by highlighting defects that can be shared or negotiated with the seller. 

All too often buyers choose to not get a Building Survey thinking that their Mortgage Valuation will cover them for this. Sadly the mortgage valuation doesn't highlight structural defects or risks.

Once you realise this and then choose to get a Building Survey you may find that you are pushed to get this done in time for exchange of contracts because you have waited so long. This is especially annoying as your conveyancing solicitor needs some of the information from the survey to complete your legal work.

The best advice for fast conveyancing in Kent is to book your Building Survey at the same time as you instruct your conveyancing solicitor

Surveyors are in high demand at the moment and bookings can often take 7 to 10 days and then the report 3 to 5 days after that so the sooner you book, the quicker you'll know if there are any defects with you property - plus you'll be set for a fast conveyancing completion!

Click to get your FREE RICS Building Survey Quote*
*RICS Surveyors – Local Knowledge – Same Week Availability
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.