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Mortgage Broker in Maidstone

Let us guide you through the entire mortgage process. We can help with:

  • Working out what you could borrow
  • Securing your AIP within 24 hours
  • Finding you the most suitable mortgage
  • Navigating complicated scenarios

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Looking for expert mortgage advice in Maidstone?

The mortgage market can often feel overwhelming, but the expertise of a mortgage broker in Maidstone like UK Moneyman can help simplify the process. Whether you are purchasing your first home, moving to a new property, investing in buy-to-let opportunities, or exploring remortgaging options, tailored advice can help you find the most suitable product for your situation.

By understanding your financial goals and current circumstances, an experienced mortgage advisor from our team can search the market for deals that meet your needs. This approach ensures you have the information to make informed choices and navigate the process with confidence.

Our Customers Rate us 4.9/5

Our Customers Rate us 4.9/5
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Speak With a Mortgage Advisor in Maidstone - It's Free!

In Maidstone, getting professional mortgage advice has never been easier. With appointments available 7 days a week, including evenings, you can explore your options at a time that works for you. This flexibility allows you to stay on top of your mortgage needs without compromising your daily routine.

During your appointment, one of our dedicated mortgage advisors will assess your financial position and guide you through products from a wide range of lenders. Their support ensures a smooth and straightforward experience from the first discussion to securing your mortgage.

Appointments 7 Days a Week

Appointments 7 Days a Week
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Facing a complicated mortgage situation in Maidstone?

If your circumstances are more complex, such as being self-employed, purchasing an unusual property type, or dealing with credit challenges, a mortgage broker in Maidstone like us can help. With their expertise, they can match you with lenders who offer products designed for specific needs.

From helping first-time buyers with limited income histories to finding tailored solutions for more specialist requirements, professional mortgage advice in Maidstone ensures the journey to securing a mortgage is clear and stress-free.

Explore 1000s of Mortgage Options

Explore 1000s of Mortgage Options
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I Want Buy My First Home in Maidstone

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Buying your first home is a significant milestone, but it often comes with questions about affordability, deposits, and navigating the mortgage process. First-time buyers frequently face these challenges, but expert support can make a world of difference.

An experienced mortgage broker in Maidstone like us will guide you every step of the way, offering clarity and reassurance. They can help you understand how a larger deposit might unlock better rates and explore the most suitable options, including those for self-employed applicants. With professional advice, the path to homeownership can feel less overwhelming and much more achievable.

I'm Looking at Moving Home in Maidstone

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Whether you are upgrading to a larger property, downsizing, or relocating, moving home is both an opportunity and a decision that involves careful planning. Choosing the right mortgage product is key to a smooth transition.

As a mortgage broker in Maidstone, we can review your current deal to see if it can be transferred to your new property or help you secure a new mortgage that aligns with your financial situation. By considering important details such as income, credit history, and deposit size, they’ll help ensure you’re well-positioned to meet your goals.

I Want to Remortgage in Maidstone

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When your fixed-rate mortgage comes to an end, remortgaging can help you avoid the increased costs that often come with standard variable rates. It’s also a chance to reduce monthly payments, access equity for home improvements, or consolidate debts into a more manageable structure.

We can review your finances and compare deals across the market to recommend an option that suits your needs. Their expertise ensures you can make the most of this opportunity to secure a deal that works for your future plans.

I Am Looking For a Buy to Let Mortgage in Maidstone

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For investors, securing the right buy to let mortgage is an essential step toward building or expanding a property portfolio. While most lenders require a 25% deposit, some products with smaller deposit requirements may also be available. Rental income and personal finances will both play a role in determining eligibility.

A skilled mortgage broker in Maidstone like our team here at UK Moneyman, can provide valuable insight into the most suitable options, simplifying the process and helping you make confident investment decisions.

I Want to Learn About the Different Mortgage Schemes

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Government schemes provide essential support for homebuyers who are looking for accessible options to achieve homeownership. Some of the most well-known schemes include:

  • Right to Buy: Designed for eligible tenants of council or housing association properties, offering the chance to purchase their home at a reduced price.
  • Shared Ownership: A scheme allowing buyers to purchase a share in a property and pay rent on the remainder, with opportunities to increase ownership over time.
  • Lifetime ISA: A savings account designed to help first-time buyers build a deposit, boosted by government contributions.

We can guide you through the available schemes, ensuring you fully understand your options and how they might help you reach your goals.

I'm Self Employed and Are Looking For a Mortgage in Maidstone

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Securing a mortgage as a self-employed applicant can present challenges, particularly when proving income. While most lenders prefer at least two years of accounts, there are options available for those with shorter trading histories.

Our mortgage advisors in Maidstone will help you identify lenders who specialise in self-employed mortgages, understanding unique income types such as dividends or retained profits. With tailored advice, you’ll feel more confident about finding a mortgage that reflects your circumstances.

I'm Looking For a Mortgage Over 55 in Maidstone

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For individuals aged 55 and over, tailored mortgage solutions can unlock new financial possibilities. These options often focus on supporting long-term plans or making the most of existing property equity. Popular choices include:

  • Retirement Interest Only Mortgages (RIO): These allow borrowers to make monthly interest payments, with the loan amount repaid when the property is sold.
  • Equity Release: A way to access cash tied up in your property while retaining ownership.
  • Lifetime Mortgages: A form of equity release offering flexibility, such as optional repayments to manage the loan balance.

We will guide you through these options, helping you select the right product for your financial goals and ensuring you fully understand the features and potential outcomes.

I Want to Know If I Can Get a Mortgage With Bad Credit in Maidstone

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If you have experienced financial difficulties such as missed payments or County Court Judgments (CCJs), securing a mortgage can feel more complicated. Despite these challenges, specialist lenders offer tailored products designed to help applicants with adverse credit. Factors such as your income, deposit size, and the severity of your credit history will be carefully considered.

As a mortgage broker in Maidstone, we can work with you to find lenders who understand your circumstances, helping you secure a mortgage deal that fits your needs. With the right advice, homeownership can remain within reach, even if your financial past isn’t perfect.

I'm Looking For a Bridging Loan in Maidstone

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Bridging loans provide a short-term financing solution for situations such as purchasing a new property before selling your current one or funding renovations. These loans are designed to bridge financial gaps, offering flexibility in scenarios where immediate funds are required. Lenders will evaluate your financial position, the loan amount, and your proposed repayment plan before approving an application.

With the support of a mortgage broker in Maidstone, like UK Moneyman, you can identify the most suitable bridging loan for your needs and timeline, ensuring you have a clear strategy for repayment and financial stability.

8 Reasons to Choose Us

Mortgage advice in Maidstone 7 days a week

Our expert mortgage advisors in Maidstone are available every day, including weekends, so you can get the advice you need at a time that suits you.

Free mortgage appointment with a mortgage advisor in Maidstone

Book a no-obligation mortgage appointment and receive expert guidance without any upfront costs.

Paired with a dedicated case manager

From application to approval, your personal case manager will keep everything on track and provide regular updates.

We're on your side, we work for you!

Unlike banks and lenders, we work solely in your best interests to find the most suitable mortgage for your needs.

Responsive, 5 star service

We pride ourselves on delivering fast, friendly service, backed by excellent customer reviews and ratings.

We search 1000s of mortgages

With access to a vast range of lenders, we compare thousands of mortgage products to find the right deal for you.

Over 20 years experience

Our mortgage experts have decades of industry knowledge, helping customers across Maidstone secure the right mortgage.

Support from start to finish

Whether you’re a first time buyer, remortgaging or moving home, we’ll be with you every step of the way.

Answering Common Mortgage FAQs in Maidstone

How much can I borrow for a mortgage in Maidstone?

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The amount you can borrow is determined by factors such as your income, regular expenses, and deposit size. Most lenders calculate borrowing potential as four to 4.5 times your annual income, but this can vary depending on your individual situation.

If you are self-employed, lenders may use an average of your recent earnings to assess affordability. Our team can evaluate your financial circumstances and connect you with lenders offering options tailored to your needs.

What deposit do I need to buy a home in Maidstone?

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Although some lenders accept deposits as small as 5 percent, a larger deposit can make a significant difference. Putting down 10 percent or more may increase your chances of securing a competitive interest rate.

For those with complex situations, such as self-employment or credit issues, a deposit of 10 to 15 percent might be required. As a mortgage broker in Maidstone, we will explain your options, including solutions like shared ownership or gifted deposits, to help you achieve your homeownership goals.

Can I get a mortgage in Maidstone if I’m self employed?

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Applying for a mortgage as a self-employed individual often involves additional steps. Lenders may require evidence of your income, such as tax returns, bank statements, or accounts, to assess affordability.

As mortgage advisors in Maidstone, we can simplify this process by identifying lenders experienced in working with self-employed borrowers, even those with shorter trading histories or unconventional income structures. Our expertise ensures your application is strong and well-prepared, helping you find a mortgage that suits your situation.

How does remortgaging work, and when should I do it?

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Remortgaging can be a valuable option if your fixed-rate deal is ending or if you want to reduce monthly payments, release equity, or avoid the higher costs associated with a standard variable rate.

Lenders will review your income, credit history, and overall affordability before offering a remortgage. We will compare deals across the market, helping you secure an option that aligns with your current financial goals.

What mortgage options are available for first time buyers in Maidstone?

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Saving for a deposit is often a concern for first-time buyers, but there are ways to make this step more achievable. Many lenders offer mortgages requiring deposits of just 5 percent, while government schemes like Shared Ownership or the Lifetime ISA provide additional support.

A mortgage broker in Maidstone like us will guide you through the process, helping you understand how much you can borrow and what steps are involved. Their advice ensures you can approach this exciting milestone with confidence.

Can I get a mortgage in Maidstone with bad credit?

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If you have experienced financial difficulties, such as missed payments or CCJs, you may still be able to secure a mortgage. Specialist lenders provide tailored solutions for applicants with adverse credit, considering factors such as your income, deposit size, and the severity of your credit history.

How do buy to let mortgages work for landlords?

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Buy to let mortgages are designed for landlords looking to purchase or refinance rental properties. These mortgages usually require a deposit of 25 percent, although some lenders may accept a smaller percentage. Your expected rental income, financial position, and experience as a landlord will all play a role in determining your eligibility.

If you are expanding your portfolio, remortgaging an existing property can help you release equity to fund future investments. We can provide expert advice and find a mortgage that supports your long-term property goals.

Why should I use a mortgage broker in Maidstone instead of going to a bank?

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As a mortgage broker in Maidstone, we have access to a wide range of lenders, including those specialising in self-employed mortgages, buy to let products, and options for individuals with adverse credit. By managing the paperwork, comparing deals, and liaising with lenders, they help simplify what can often feel like a complicated process.

With personalised advice based on your unique circumstances, our team will ensure you feel supported at every stage, making it easier to secure a mortgage that fits your needs.

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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.

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