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Our Mortgage Broker Guide to getting a mortgage in Whitstable

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 Whitstable Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't 'dive into' all the credit that's available to you!

Credit reference agencies tend to view people who take up all credit available to them as overextended financially.

People who are overextended financially are statistically more likely to default on credit repayments or to make payments late – it all translates into a lower credit score, which will make future credit applications less assured of being granted and any credit granted more expensive.

Mortgage Types

Mortgages can be examined in terms of whether they share one or more of the following characteristics (although the first two are 'either/or' choices):

  • Repayment or Interest-only
  • Fixed or variable rate
  • Offset
  • Help to Buy
  • 'Helper'

Residential mortgage applicants can only take out repayment mortgages whereas non-residential clients can also opt to take out interest-only mortgages.

Interest rates are either fixed for a period or track a particular rate, which always involves taking into account movements in the Bank of England's base rate. Offset mortgages look to offset interest made on savings against interest owed on a mortgage and thus make repayments cheaper.

Help to Buy mortgages are specific to the Government's Help to Buy scheme, in which you buy a New Build home from a Help to Buy agent, using an equity loan of up to 20% (40% for Help to Buy London) from the Government and a reduced (minimum 5%) deposit. They are smaller than normal in terms of loan to value ratios because they only have to cover up to 75% of the purchase price (up to 55% for Help to Buy London).

Helper mortgages describe mortgages where a mortgage applicant has the help of an associate (normally a close family member) in buying a home. The associate provides security that the loan will be paid back either by putting up their own home as collateral or by putting money into an account which the lender controls, which may not be able to touched for a number of years, or by devoting interest earned on a savings accounts to bring down the interest on the mortgage loan, making the mortgage cheaper to repay.


Whitstable is a seaside town on the north coast of Kent. It is strongly associated with oysters and has a yearly regatta. Landmarks include Whitstable Castle and Duncan Down, the latter apparently the largest village green in England at 52 acres.

Some top restaurants here include Wheelers Oyster Bar, Samphire and Birdies (for French cuisine). You can also visit Whitstable Town Centre, Whitstable Harbour, Whitstable Castle & Tanketon Slopes.

CT5 1QF

Property Price Stats for Whitstable


Average property price in Whitstable £319,626
% Change compared to last year 10%
Population of Whitstable 35,248 (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 Whitstable - Recently Completed

  • Millstrood Road, Whitstable, Kent CT5 1QF
  • 19 Old Bridge Rd, Whitstable, Kent CT5 1RH
  • 108 Joy Ln, Whitstable, Kent CT5 4ES
  • 21 Gladstone Rd, Whitstable CT5 1JG
  • 15 Graystone Rd, Whitstable, Kent CT5 2JY

Local High Street Banks in Whitstable

Mortgage Broker in and around Whitstable

Our Whitstable mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Herne Bay, Chestfield, Seasalter, Yorkletts, Pean Hill, Honey Hill and Herne Common.

Which banks are local to you?


  • HSBC - 45 High Street, Whitstable, Kent CT5 1AS
  • Natwest - 56a High Street, Whitstable, Kent CT5 1BD
  • Nationwide - 78/80 High Street, Whitstable, Kent CT5 1AZ

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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.

Whitstable Mortgage Broker Insider Tips

Let your mortgage lender know if you are needing to work to a deadline.

If you need to get moving quickly and are using a mortgage to purchase your home in Whitstable, you need to speak to your mortgage lender for advice on whether this deadline is achievable. This could actually even influence your choice of mortgage lender and mortgage product itself!

It is so important to get your mortgage valuation booked in as soon as possible. It can take up to 2 weeks to receive the valuation and you do not want to be stuck in a position where you are ready to exchange but cannot proceed because you have no valuation in as yet.


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