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Our Mortgage Broker Guide to getting a mortgage in Ramsgate

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 Ramsgate Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Lower your credit utilisation ratio

The credit utilisation ratio is how much credit you've taken up as a portion of how much credit you've been offered. Your credit score will generally rise the lower this ratio is. As a general rule, you should always keep the ratio below 50% overall and considerably lower if possible.

If you have more than one credit card you should also be aware of the utilisation ratio overall and per card, because credit reference agencies take all the measure into account.

Capped Mortgage

Capped mortgages give security to a mortgagor in that mortgage repayments cannot rise above a certain rate. They are a type of variable rate mortgage and although they cannot vary upwards (in repayment costs) beyond a certain point, payments are allowed to fall when the index itself falls.

Mortgagors can therefore benefit from the surety that they won't have to pay out more than a certain agreed monthly sum but also from any fall in the underlying index (such as the Bank of England base rate).


Ramsgate is a seaside town in Kent, in Thanet district, which came to the fore as a seaside town in the 19th century. The modern town's main industries are tourism and fishing, in keeping with its large and attractive coastline. The town is home to the Shrine of St Augustine, credited as bring Roman Catholicism to England, who became the first Archbishop of Canterbury in 597 and in the same year founded St Augustine's Abbey in Canterbury (now ruined). Landmarks include the Hugin Viking longship in Pegwell, a gift from the Danish Government, the 18th Century Townley House and the church of St Laurence-in-Thanet, originally built in 1062. Ramsgate has a 700 berth marina.

CT11 0BD

Property Price Stats for Ramsgate


Average property price in Ramsgate £221, 287
% Change compared to last year 7%
Population of Ramsgate 40,408 (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 Ramsgate - Recently Completed

  • Station Approach Road, Ramsgate CT11 7RW
  • 64 Coleman Crescent, Ramsgate, Kent, CT12 6AE
  • 42-48 High St, Ramsgate CT11 9AA
  • 40 Chilton Lane Ramsgate CT11 0LQ
  • 372 Northdown Road Margate CT9 3PQ

Local High Street Banks in Ramsgate

Mortgage Broker in and around Ramsgate

Our Ramsgate mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Cliffsend, Manston, Minster, Acol, Flete, St Peters and Broadstairs.

Which banks are local to you?


  • Barclays - 13 Queen Street, Ramsgate CT11 9DZ
  • NatWest - 53 High Street, Ramsgate CT11 9AG
  • HSBC - 1 High Street, Ramsgate CT11 9AD

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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.

Ramsgate Mortgage Broker Insider Tips

Start your mortgage application before you have found a property in Ramsgate which you want to put an offer on..

  • Mortgage applications can be very drawn out and may not even be successful – you should have the certainty of a mortgage in principle before you buy, ideally.
  • A mortgage broker can help you find the right mortgage for your needs from more than 3,000 products on the market if they have access to the whole of the market (SAM Conveyancing's independent mortgage brokers all do).
  • Your mortgage broker can help you get together all the information you need so your application is processed as speedily as possible.

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