It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
If you’re looking for a mortgage broker in Maidstone, then look no further. Our team of mortgage advisors can help you through the process, giving you the advice you need to make the right decisions for your home move.
Whether it’s a simple mortgage or a more complex arrangement you’re after, our expert team of mortgage brokers can provide the guidance and support you need. Get in touch with our team today to find out more about the services we offer.
As a long-standing mortgage broker in Maidstone, we are always striving to give our clients the very best service. With access to a huge panel of lenders, we can scour through thousands of deals to find the one that’s right for you. We will assess your personal and financial circumstances to determine the best mortgage option for you.
If you have a flexible mortgage product and would like to transfer it to your new home, we can help.
If you are considering the options for relocating in Maidstone, why not book in for a free mortgage appointment with one of our experienced mortgage advisors in Maidstone? Our team is available from early morning to late evening, every day of the week, with appointments to suit your schedule; subject to availability.
In some cases, it may be possible to port your current mortgage to your new home in Maidstone. However, this depends on your mortgage deal and the mortgage lender as to whether or not they are willing to allow you to do this.
In this situation, it is wise to obtain mortgage advice in Maidstone which can help you assess your options and determine the best course of action. They can provide you with the necessary advice to make sure you make an informed decision.
If you cannot port your mortgage to your new home, we will need to help you find a new mortgage. We will search 1000s of products on your behalf in order to find a product best suited to your personal and financial situation.
When moving home in Maidstone, there are plenty of expenses to bear in mind.
Some of these could include: Estate agency costs, property survey fees, mortgage arrangement fees, solicitor costs, moving fees and fees from a mortgage broker in Maidstone.
It is essential to plan ahead and factor in all of these costs in order to have a successful move.
If you buy a property in Maidstone and later decide to move, you’ll typically need to sell your current home. Start by obtaining a property valuation from a local estate agent to determine its market value. Next, prepare your home for sale by making necessary repairs and enhancing its appeal through staging. Once your home is ready, your estate agent will market it and arrange viewings for potential buyers.
Simultaneously, begin searching for your new home in Maidstone or your desired location. When you find a property you like, make an offer. If accepted, you’ll need to coordinate the sale of your current home and the purchase of the new one, often involving a property chain.
Additionally, consult your mortgage broker in Maidstone to understand any implications for your mortgage, such as porting your existing mortgage to the new property or arranging a new mortgage deal. This ensures a smooth transition between properties.
Yes, you can pay off your mortgage early in Maidstone. However, there are several factors to consider before doing so. Many lenders allow early repayment, but this often comes with early repayment charges (ERCs), which can be a percentage of the remaining mortgage balance or a set number of months’ interest. These charges are designed to compensate the lender for the loss of interest they would have earned.
Before proceeding, review your mortgage agreement to understand the specific terms and any associated fees. Some lenders may offer the flexibility to overpay up to a certain amount each year without incurring penalties, which can be a good strategy to reduce the overall mortgage term and interest paid.
Consulting with your mortgage broker in Maidstone can provide tailored advice based on your financial situation and help you assess whether early repayment is a beneficial option for you.
Our Customers Love Us
5.00 Rating15 Reviews
Anonymous
Charlie helped guide me through the process and answered all my questions. Would highly recommend London money man to everyone!
7 months ago
Anonymous
Ryan at London Moneyman made moving home with my mortgage easier. Thank you, 5 stars service.
7 months ago
Laura
I was nervous buying my first home but londonmoneyman were fab! Thank you for helping me 🙏
7 months ago
Jaycee
A+ service. communication was brilliant, helped me find a mortgage. Will definitely be back!
7 months ago
Tamra
Great company. Great service. Recommend 100%
7 months ago
Otto
thank you chloe for help with my mortgage iwill be back next time.
7 months ago
Tabby
Excellent service very helpful with my mortgage 😀
7 months ago
Seb
Very useful and efficient service. Thank you london money man!
7 months ago
Josie
Dinah and the team at London money man were super helpful with a remortgage on our family home. They got us through the process quickly and found me a much better deal than we were on. Thank you again, we'll be back in touch for our next...
7 months ago
Jeb
Great service from Kayleigh & Leo! Made it easy and stress free, thank you both for finding me a suitable product. I would not have got through this without their help.
7 months ago
Derek
Helped me and my partner on our remortgage. Molly was friendly and polite on the phoen and helped us throughout the process. Would reccomend 👍
7 months ago
Marina
Leoand Kayleigh were great during my process. He made everything stressfree for me as a first time buyer. Would definitely recommend to others going through the same process as it helped a lot. Thank you..Marina
7 months ago
James
Thank you Londonmoneyman. From my free mortgage appointment to completion I was kept in the loop. Jason was great and would definitely recommend.
7 months ago
Ruby
Tom and Louise were so helpful throughout the whole process. As First Time Buyers we were almost scared to start looking for a home but the team at Londonmoneyman put us at ease and now we have a lovely new home. Thanks for everything!
7 months ago
John
Amazing service from start to finish. Charlie, Megan and the application team were very helpful throughout, to help with any queries, and kept me up to date with the process at every stage. Couldn't recommend them enough!
2 years ago
By discussing your requirements, this mortgage broker in Maidstone will be able to advise you on the best product that meets your needs.
Consulting a knowledgeable mortgage advisor in Maidstone can help you find the most suitable mortgage product for your situation.
Your mortgage broker in Maidstone can help you make the right decision for you; they will compare the market and find the best possible deals available.
Your advisor will be able to answer any questions you may have, and provide you with the most up to date advice and guidance.
Once you have accepted an offer, your mortgage broker in Maidstone will submit your complete mortgage application and documentary evidence to the lender.
Your personalised case manager will ensure that you are kept informed of developments as your application is processed, until you receive your formal mortgage offer and both your purchase and sale are complete.
Finding the right mortgage can be daunting, but our team of experienced mortgage brokers in Maidstone are here to help.
We offer a range of services to help you find the right mortgage deal for you. We do all the hard work for you, searching the whole market for the best deals, and providing professional advice from an experienced mortgage advisor.
At our free mortgage session, we'll assess all of your objectives and determine how to overcome any issues.
A reliable member of our mortgage team will assess the charges you may incur, and offer an estimate of how much you can borrow, in addition to what your monthly payments might be.
We are readily available to help customers progress their journey. Reach out to us and we will see how we can assist!
If you are looking for a mortgage broker in Maidstone, then please do not hesitate to get in touch with us. Our highly experienced mortgage advisors are here to provide you with the best possible advice.
Once they know what you intend to accomplish, your mortgage broker in Maidstone will then search through thousands of exclusive offers to see which one is right for you.
If you choose to accept our suggestion, we'll seek to secure your Agreement in Principle, usually accomplished within 24 hours and often, if possible, within the same day.
Our team have years of expertise in providing professional mortgage guidance in Maidstone, aiding customers on their property owning journey.
It's unlikely there is a situation we have not encountered before. They will use that information to offer the best advice they can, based on what you are trying to do.
Once you have found a property and had an offer accepted, the last steps can begin. Your advisor will support you the whole way through to completion and beyond. It’s not only about picking the ideal deal. We can recommend property surveys and help you with conveyancing solicitors.
Upon completing your mortgage, it is our duty as a devoted mortgage broker in Maidstone to give advice on different insurances. These are never mandatory, yet we care about our customers and wouldn’t be fulfilling our role if we didn’t at least tell you about all the ways you can safeguard yourself, your family and your mortgage payments.
Are you considering relocating to Maidstone? Our team of dependable and experienced mortgage brokers in Maidstone are here to provide you with the help and advice that you need. You can be sure of their full commitment and support throughout the process, from the initial search to the completion of your move. Our advisors are available 7 days a week to answer any of your mortgage queries.
We understand that it can be a daunting experience relocating and finding the right person to guide you is essential. Our experienced mortgage brokers in Maidstone are here to make sure you are in safe hands. We are here to provide you with the best advice and services, every step of the way.
The amount you can borrow for a mortgage in Maidstone depends on your income, credit history, and financial commitments. Lenders typically offer loans based on a multiple of your annual income, usually 4 to 4.5 times your salary. For joint applicants, both incomes are considered, potentially increasing the borrowing amount.
Your credit score plays a significant role; a higher score can lead to better deals and higher borrowing limits. The size of your deposit is also crucial, with larger deposits resulting in more favourable loan-to-value (LTV) ratios and possibly higher loan amounts.
Lenders also conduct affordability assessments, considering your income, outgoings, and potential interest rate changes to ensure you can manage repayments. Consulting with a mortgage broker in Maidstone can provide personalised advice, helping you navigate different mortgage options and find the best deal suited to your financial situation.
By understanding these factors, you can make informed decisions when moving home in Maidstone.
Making an offer on a property in Maidstone involves several key steps to ensure a smooth transaction. First, determine how much you can borrow by consulting with a mortgage broker in Maidstone who can assess your financial situation and pre-approve you for a mortgage. This gives you a clear idea of your budget and strengthens your offer.
Once you find a suitable property, research its market value and compare it with similar properties in Maidstone. Make a competitive but realistic offer, considering factors like the property’s condition and how long it has been on the market.
Submit your offer through the estate agent, who will communicate with the seller. If accepted, you’ll need to arrange a survey and finalise your mortgage application.
Understanding these steps and being prepared can help you confidently make an offer and facilitate a smooth move to your new home in Maidstone.
If you’ve been declined for a mortgage in Maidstone, don’t worry – there are steps you can take to improve your chances and secure a mortgage in the future. First, understand why your application was declined. Common reasons include a low credit score, insufficient income, or high levels of existing debt.
Consult with a mortgage broker in Maidstone who can review your financial situation and provide tailored advice. They can help you identify and address the issues that led to the decline. Improving your credit score, reducing debt, or saving for a larger deposit can significantly enhance your eligibility.
A mortgage broker in Maidstone can also guide you towards lenders who are more likely to approve your application based on your circumstances. With their expertise, you can navigate the process more effectively and increase your chances of moving home in Maidstone successfully.
Read our 15 Reviews
Londonmoneyman.com & Londonmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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Londonmoneyman.com & Londonmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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