Mortgage Advice in Kent

Being a first time buyer in Kent and trying to arrange everything by yourself can often be complicated and stressful, mostly because you’ve never been through anything like this before. What matters to us most is that you feel comfortable and secure throughout the whole process. A Mortgage Advisor in Kent will be right by your side to answer any questions that you may have along the way.

If you are trying to calculate how much you can borrow for a mortgage, our advisors can help you with this. They can get you an accurate measurement using our affordability calculator. They will also prepare an agreement in principle for you within 24 hours of your free appointment; this can prove handy when you’re making an offer on a property.

Never mind the stress of buying a home, you now have to sell one at the same time. Our job is to take away all of the stress of moving home. We will arrange all of the mortgage aspects of the process, which means less stress and less paperwork!

We’ll always aim to provide a fast and friendly mortgage advice service. Seeing our customers travel through the full process and finally getting their keys to their dream home puts a huge smile on all of our faces.

When you take out a mortgage, you’re likely taking out the product on a fixed short term. Although you can take out longer terms, this is usually between 2-5 years. When you get towards the end of this fixed term, you’ll need to start thinking about remortgaging to take out another product with a new fixed term.

Our remortgage advisors in Kent will be able to search through 1000’s of remortgage deals on your behalf. They may even be able to find you a rate that is more competitive than your current one.

Contact us if you’re looking for remortgage advice in Kent, we offer our help with all different kinds of remortgage options, e.g., home improvements, debt consolidation, equity release and bad credit.

Calling all current and aspiring landlords in Kent. If you’re looking to expand or begin your buy to let mortgage portfolio in Kent, we’re here to help.

Our knowledgeable buy to let advisors at UK Moneyman have been working with local landlords for many years now, forming strong relationships with them and helping them through their new buy to let purchases or remortgages. We want to help you climb further up the property ladder and achieve your buy to let aspirations.

If you’re looking to purchase a property, you may benefit from using a Help to Buy in Kent.

There are various Help to Buy schemes available, e.g., the Shared Ownership scheme, First Homes scheme and 95% Mortgage Guarantee scheme.

Unfortunately, self employed applicants usually find it harder to obtain a mortgage. This is down to strict lending criteria and the amount of evidence that you have to provide to get accepted by your lender. Our mortgage advisors are very experienced with helping self employed applicants and have in-depth knowledge of self employed lending criteria.

If you own more than 20-25% of your business, you are classed as self employed. To get a mortgage as a self employed applicant, you must have been trading for at least two years. Usually, mortgage lenders will want information from you based on these two years.

If you’re living in a rental property that’s owned by the local authority (either the council or a local housing association), you may be able to access the Right to Buy scheme. The scheme has requirements however, and you must pass them in order to qualify.

You may be able to get a discount on the property depending on the length of time that you’ve been living in the property and the value of it. This discount may also cover your deposit for the property, meaning that you don’t have to put one down. Some lenders may still require a small deposit to ensure that you can afford a mortgage and your monthly payments.