Mortgage Broker in Ashford

If you’re buying your first home, it’s normal to have questions about how the mortgage process works.

As a mortgage broker in Ashford, we specialise in helping first time buyers understand what they need, from deposit requirements to borrowing limits and available support schemes.

We’ll walk you through every step, explain what lenders are looking for, and help you find a mortgage that fits your personal and financial situation.

Moving home in Ashford gives you the chance to reassess your mortgage and make sure it still works for your plans.

Whether you’re thinking about porting your current deal to a new property or switching to something more competitive, it’s worth reviewing your options early.

As a mortgage broker in Ashford, we’ll help you understand what you can afford, explore what deals are available, and guide you through the process from start to finish.

If your current mortgage deal is ending or no longer suits your plans, it’s worth exploring your remortgage options.

As a mortgage broker in Ashford, we can help you find out if switching lenders or renegotiating your deal could save you money or unlock equity.

Whether you’re remortgaging to reduce costs, release funds, or make changes to your home, we’re here to guide you through it and match you with a deal that suits your personal and financial situation.

As a mortgage broker in Ashford, we help landlords find buy to let mortgages that align with their investment plans. Most buy to let mortgages require a deposit of at least 25 percent, and lenders will assess the potential rental income of the property.

We’ll explain what lenders are looking for, help you work out how much you could borrow and guide you through the process from application to approval.

Whether you’re looking at investing in your first buy to let or growing your portfolio, we’re here to keep things simple and efficient.

There are several mortgage schemes designed to make buying a home more achievable, especially if you’re a first time buyer in Ashford or working with a smaller deposit. These schemes are intended to support different needs and situations:

• Right to Buy – If you’re a council or housing association tenant, this scheme allows you to purchase your rented property at a discounted rate, giving you a route to ownership.
• Shared Ownership – This option lets you buy a portion of a home (usually between 25% and 75%) and pay rent on the remainder, with the ability to buy more over time.
• Lifetime ISA – A government-backed savings account where first-time buyers can receive a 25% bonus on their savings, helping you build a deposit faster.

Understanding which of these schemes you qualify for and how they could support your move can be confusing. As a mortgage broker in Ashford, we’ll explain your options clearly and help you choose the most suitable path to homeownership.

If you’re self-employed, getting a mortgage might involve a few extra steps, but it’s completely within reach. Most lenders will want to see two to three years of tax documents to assess your income and affordability.

As a mortgage broker in Ashford, we work with lenders who understand the self-employed and take a flexible approach to assessing income. Whether you’re a sole trader, contractor, or company director, we’ll help you prepare your documents, work out what you could borrow and find a lender that fits how you work.

A bridging loan in Ashford can offer short-term finance when you need to move quickly, whether you’re buying a property before selling your current one, purchasing at auction, or covering time-sensitive renovation costs.

These loans are usually secured against property and are repaid over a short period, often once a sale or long-term mortgage is in place.

As a mortgage broker in Ashford, we’ll help you understand how bridging finance works, assess if it suits your situation, and connect you with lenders who offer fast, flexible options.

If timing is critical, we’re here to make sure you move forward with the right solution in place.

If you’re looking for a mortgage over 60 in Ashford, you should know that there are several products designed specifically for borrowers like you. Whether you’re thinking about downsizing, refinancing your current home, or unlocking equity, there’s likely a solution that fits your needs.

• Retirement Interest-Only (RIO) Mortgages – You pay the interest monthly, and the full loan is repaid when the property is sold.
• Equity Release – Access some of your home’s value without needing to move out.
• Lifetime Mortgages – Borrow against your property, with flexible repayment options including voluntary payments.

As a mortgage broker in Ashford, we’ll guide you through the age later-life mortgage options available and help you find a solution that suits your personal and financial situation.

If you’ve had credit issues in the past, you might think getting a mortgage is out of reach, but that’s not always the case. As a mortgage broker in Ashford, we work with lenders who consider applications from people with missed payments, defaults, or CCJs.

We’ll look at your credit history, help you understand which lenders may still be open to your application, and guide you through what steps you can take to improve your chances of approval.

Even if you’ve been turned away elsewhere, we’ll help you explore realistic options based on your current situation.