It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
We know your first mortgage can be confusing. Here’s some of what we can help with:
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Taking your first step onto the property ladder in Kent can feel a bit overwhelming. From working out your budget to choosing the right mortgage, there’s a lot to think about.
That’s where we come in. As a mortgage broker in Kent, we’re here to keep things simple.
Our mortgage advisors speak with first time buyers every day, breaking things down in a way that’s easy to follow.
Whether you’re just starting out or already have a place in mind, we’ll help you understand the process and support you every step of the way.
Our Customers Rate us 4.9/5
Most lenders will offer up to 4.5 times your annual income. This could be higher or lower depending on your spending, any existing debts, and your credit history.
A deposit of 5% might be enough to get you going, but a 10% deposit can often open the door to better rates and lower monthly payments. It also gives you more choice when it comes to finding the right mortgage.
Our mortgage advisors in Kent will look at your full situation and help you work out what’s realistic. Whether you’re early in the process or ready to make a move, we’ll help you understand what’s possible.
Appointments 7 Days a Week
If you’re a first time buyer in Kent, booking a free mortgage appointment is a great place to start.
During your chat with one of our mortgage advisors in Kent, we’ll look at how much you could borrow, what your repayments might be, and the types of mortgage that could suit you.
It’s also the perfect time to ask anything you’re unsure about. Whether it’s deposits, paperwork, or how long things usually take, we’ll break it all down in a way that makes sense.
Everything we talk through is based on your situation, so you’ll leave your appointment knowing where you stand and what your next steps could be.
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Our Customers Love Us
3,500+ 5 Star Reviews
Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
3 days ago
Michelle
The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
2 weeks ago
Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
2 weeks ago
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
1 month ago
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
1 month ago
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
1 month ago
Stephen
We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
1 month ago
First time buyers in Kent usually need a deposit of at least 5% of the property value. So, for a £250,000 home, that means putting down £12,500.
Lenders use your deposit to assess the risk of the mortgage. The bigger your deposit, the better your chances of unlocking a competitive interest rate.
A 10% deposit often provides more flexibility with the type of deals you could be offered and may reduce your monthly repayments.
Our mortgage advisors in Kent will talk you through the different deposit levels and what they could mean for your mortgage options.
Buying your first home involves more than just saving for a deposit. There are several other costs that can add up quickly if you’re not prepared.
You’ll need to cover legal fees for your solicitor, a valuation fee charged by the lender, and possibly stamp duty depending on the value of the property. A property survey is often a smart choice too, helping you understand the condition of the home before you commit.
It’s also worth budgeting for things like removals, initial furniture, and buildings insurance, which is often required before the mortgage completes.
A bank will only offer mortgages from its own range, which means your choices are limited. A mortgage broker in Kent like ourselves, on the other hand, can compare deals from a wide range of lenders.
This gives you access to more options, especially if you’re working with a small deposit or a unique set of circumstances. We also manage the paperwork and keep things moving so you can focus on finding the right property.
You can get an Agreement in Principle by providing details about your income, regular spending, and credit history. Once we have that information, we speak to a lender on your behalf and request an estimate of what they’re willing to lend.
An Agreement in Principle is a helpful starting point for first time buyers in Kent. It gives you an idea of your borrowing potential and shows estate agents that you’re ready to move when the right home comes along.
There’s no obligation to continue with that lender afterwards. It simply puts you in a stronger position when you’re ready to make an offer.
If you're a first time buyer in Kent, getting mortgage advice has never been easier.
From your first enquiry to getting the keys, we're here to make the whole process feel more straightforward.
You can schedule your free mortgage appointment online. Just choose a time that fits around your week.
There’s no cost and no pressure, just clear, helpful advice when you need it.
Our mortgage advisors in Kent are available seven days a week.
Whether you’ve just started looking or have a specific property in mind, we’re ready to help when you need us most.
We’ll never recommend a mortgage that doesn’t suit your situation.
Everything we suggest is based on what’s right for you, not what’s easiest for us. You can rely on us to be open and clear from the start.
We’ll talk you through insurances designed to help protect your home.
If illness or a change in circumstances affects your income, you’ll want peace of mind that your home is still secure.
Our team looks at thousands of first time buyer mortgages in Kent, comparing deals to find the right one for your circumstances.
You won’t be limited to one bank or lender.
We know what to look for when matching you with a mortgage.
Our experience helps us find options that others might miss, giving you a smoother path to home ownership.
You’ll be kept in the loop throughout the process.
We’ll explain what’s happening, what to expect next, and take care of the tricky parts so you don’t have to.
Once you’ve found the right home, the next step is to make an offer. It’s a straightforward process, and your estate agent will usually handle it on your behalf.
Before you offer, it’s a good idea to have your Agreement in Principle ready. This shows sellers you’re serious and financially prepared. If your offer is accepted, that’s when things really get moving.
Our mortgage advisors in Kent can support you through this stage, helping you understand what to expect and keeping everything on track from the moment your offer is accepted.
Depending on your scenareo, you’ll have a few mortgage types to choose from. The most common are fixed-rate mortgages, where your monthly payments stay the same for a set period, and tracker or variable rate mortgages, which can move up or down depending on the lender or interest rates.
Each option has pros and cons depending on your income, deposit size, and how much stability you’re looking for.
Getting started on your mortgage journey in Kent begins with understanding what you can afford. That’s where speaking to a mortgage advisor can really help.
We’ll look at your income, credit history, and current outgoings to give you a clear idea of your borrowing potential. From there, we’ll guide you through the options and support you at every step, whether you’re just beginning or ready to make an offer.
Booking a free mortgage appointment is a great way to get things moving and learn what’s possible based on your circumstances.
Yes, being declined by your bank doesn’t mean you’re out of options. Every lender has different criteria, and what one bank sees as an issue might not be a problem for another.
Our mortgage advisors in Kent work with a wide range of lenders, including some who specialise in helping first time buyers who’ve had trouble with high street banks. We’ll look at why you were declined and help you explore alternative routes that could still lead to a successful application.
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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© UK Moneyman Limited 2025.
UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© UK Moneyman Limited 2025.
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