Mortgage Broker Kent
Our mortgage brokers are independent of any lender and offer a full spectrum of straight talking, expert financial advice. Perfectly positioned to help you with your mortgage requirements.
Access to the Whole Market
FREE* consultations
for Kent
for Kent
Convenient
Remote Appointments
Remote Appointments
Impartial Mortgage Advice
FT Top 100 Mortgage
Advisors 2022
Advisors 2022
Why choose Mortgage Brokers with SAM Conveyancing?
Whether you are making a purchase or remortgaging a property, using an impartial mortgage advisor saves you from being pressured by any specific lender, so you can choose the best deal available from the whole market.
We can offer you a free* initial consultation with our independent mortgage brokers at Advies. They search across the whole market to provide the best mortgage rates that match your needs and circumstances, with access to exclusive rates that can beat the high street lenders.
We are delighted to announce that Advies have been recognised by the Financial Times as being one of the FT Adviser UK Top 100 Financial Advisers 2022.
Our mortgage advisors attain the strictest Financial Conduct Authority standards, to ensure honest, competitive and fair services, to you.
Bank of England Base Rate
3.75%
Changed from 4% on the
17th December 2025
.How to get a mortgage in Kent
Property prices in Kent vary considerably. The average price in Maidstone for terraced houses is £288,292, whereas in Dartford it is £345,277.
Location | 10% Deposit | What would your salary need to be? (estimated based on 4.5 times salary) |
Maidstone | £28,829 | £57,658 or £28,829 per salary with a joint purchase |
Dartford | £34,527 | £69,055 or £34,527 per salary with a joint purchase |
Are you self-employed? 5 Tips for Getting a Self Employed Mortgage
The rate of your mortgage will affect your affordability assessment. Use our calculator to see how the current rate will affect your monthly payments.
Our Mortgage Broker Guide to getting a mortgage in Kent
The mortgage application process has 4 stages regardless of which mortgage lender you use:
- 1Approval/Decision in Principal (AIP/DIP)
- 2Mortgage in Principal (MIP)
- 3Mortgage Valuation
- 4Mortgage Offer
#1 Top Tip
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.
#2 Top Tip
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
Selling? Consider ordering your own local authority search
- One of the conditions that a lender imposes on a buyer buying a property with a mortgage is that the buyer must purchase a local authority search. Additionally, cash buyers often buy this search, for their own peace of mind.
- The local authority search takes the longest to be returned; anything from 1 week/10 days to 6 weeks and beyond sometimes.
- A seller can, therefore, pre-empt this by buying their own local authority search, which they can then sell to a prospective buyer.
- They also benefit by being notified of any planning orders, etc.
Order your Local Authority Search
Frequently Asked Questions: Mortgage Brokers Kent
The role of a mortgage broker is to take your information and compare multiple deals from different lenders, based on your specific details, to find you the best option.
The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent Kent mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent Kent mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
Unless you have already found a mortgage product and aren't really interested in finding a better deal, it is always worth using a mortgage broker, and when your initial consultation is free with SAM Conveyancing, what have you got to lose?
Some homeowners want the convenience of borrowing with the same lender that they currently bank with. Even then, it is often worth going through a broker anyway, as they may be able to get you an exclusive offer from that very same bank that you won't have access to.
Most mortgage brokers make their money in a flat fee or a commission, which is paid to them by the lender. Some brokers charge a fee to the borrower which is normally payable as a flat fee, or it can be financed with the mortgage.
You'll need a mortgage approval in principle in order to budget, so you should get a mortgage broker before you start looking for houses and certainly before you make an offer on one. In fact, some people speak to a mortgage broker as soon as they decide to get serious about buying a home.
There's no need to meet a mortgage broker face to face. Our hand-selected mortgage experts offer convenient remote meetings by phone, for award-winning, national coverage.
A mortgage broker will be quicker purely based on their greater experience. They will be able to check your application to make sure it's not rejected for commonplace mistakes and they can steer you away from wasting your time applying for mortgage products or to lenders who are likely to turn you down.
*The free mortgage consultation allows you to discuss your mortgage opportunities with one of our panel of FCA-regulated mortgage brokers. If you want to proceed, some mortgage products require a payment to the broker. You can disengage your Mortgage Broker before making a formal application, and no fee will be charged. SAM Conveyancing doesn't provide regulated mortgage advice.
**Subject to availability. If we are fully booked ask and we will see if we can fit you in sooner.
Mortgage Broker Kent - Recently Completed
- 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
Watch our video to find out how to organise your mortgage and funding for your purchase.
