It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
Let us guide you through the entire mortgage process. We can help with:
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Finding the right mortgage can feel like a big step, but with the right people by your side, the journey becomes much more manageable.
As a mortgage broker in Sittingbourne, we’re here to keep things simple. Everything we do is focused on giving you straightforward information and support that suits your situation.
Whether you’re getting ready to move into your first home, thinking about switching to a better deal, or need help with something a little more tailored, our team are here to talk things through and make the whole process feel that little bit easier.
Our Customers Rate us 4.9/5
When you speak to our mortgage advisors in Sittingbourne, you’ll get more than just a recommendation. We’ll take the time to understand what’s important to you and look at the options that fit best with your circumstances.
With a wide network of lenders, we’ll handle everything from the first chat to the day your mortgage completes. It’s all about making things easier, keeping you in the loop, and helping you feel confident at every step.
You can pick a date and time that works for you using our online booking system. It’s quick to arrange and a great way to take that first step towards your next mortgage.
Appointments 7 Days a Week
Some mortgage journeys can take a bit more time. If things feel a little more involved, we’re here to help you move in the right direction.
Whether you’re self-employed, have a history of credit issues, or you’re looking at a property that doesn’t follow the usual pattern, we work with lenders who consider a wide range of situations.
By offering mortgage advice in Sittingbourne that’s tailored to your needs, we’ll look at what’s possible and help you find a solution that fits your circumstances.
Explore 1000s of Mortgage Options
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
Buying your first home is a big moment, and it’s completely normal to feel a mix of excitement and uncertainty.
There’s a lot to take in from understanding how much you can borrow to finding out which mortgage deals you’re eligible for. That’s where we come in.
We offer personalised mortgage advice in Sittingbourne, designed with first-time buyers in mind.
We’ll explain how the process works, help you work out your budget, and search through thousands of deals to find one that suits you.
Our team can also handle the paperwork and keep things moving so you’re never left wondering what comes next.
Whether you’re buying on your own or with someone else, our team will be by your side every step of the way.
If you’re planning to move to a new home in Sittingbourne or the surrounding areas, it’s important to understand how your current mortgage could affect your plans.
Whether you’re looking to port your mortgage or take out a new deal, we’ll walk you through everything clearly.
Our mortgage advisors can help you weigh up your options and take care of the application process, so it’s one less thing to worry about during your move.
We know timing is everything, especially when buying and selling at the same time, so we’ll help you coordinate each part of the mortgage journey to match your moving schedule.
When your current mortgage deal ends, your lender will usually move you onto a standard variable rate, which can often mean higher monthly payments. Remortgaging gives you the chance to look for a better deal, and we’re here to help make that happen.
We offer expert remortgage advice in Sittingbourne, helping you compare rates, switch deals, or release equity for other projects such as home improvements.
Our team will guide you through the remortgage process, whether you’re staying with your current lender or switching to a new one.
We’ll explain any fees involved and make sure the timing lines up with your existing mortgage to avoid unnecessary costs.
If you’re planning to rent out a property, finding the right mortgage is key.
Buy to let mortgages work differently from residential ones, and lenders will look at things like projected rental income, deposit size, and whether you’re applying as an individual or through a limited company.
Whether this is your first rental property or you already have a few under your belt, we offer buy to let mortgage advice in Sittingbourne that’s tailored to your plans.
We’ll help you understand lender criteria, including affordability checks and stress testing, and guide you through the steps to secure a deal that suits your investment goals.
There are various mortgage schemes out there designed to help buyers in different situations but knowing what’s available and how it works can be confusing.
From shared ownership and First Homes to Right to Buy and deposit boost options, we’ll help you cut through the noise.
Our advisors stay up to date with the latest mortgage schemes and can explain which ones you may be eligible for based on your circumstances.
If you live in Sittingbourne and are wondering whether a scheme could give you a leg up on the property ladder, or help you move sooner, we’re here to explore the possibilities with you.
Being self-employed can make some parts of the mortgage process feel a bit more complex, especially when it comes to proving your income.
Whether you’re a sole trader, a limited company director, or work on short-term contracts, lenders will often need more details before making a decision.
We regularly help self-employed customers in Sittingbourne find mortgage deals that work for them.
We’ll explain what lenders typically look for, help you gather the right documents, and search for deals that are better suited to people whose income isn’t fixed month to month.
With the right preparation, getting a mortgage when you’re self-employed doesn’t have to be any more difficult than for anyone else.
It’s a common myth that age limits your mortgage options, but that’s not always the case.
Whether you’re looking to move to a new home, remortgage your current property, or borrow later in life, there are lenders who offer more flexible criteria for older applicants.
We provide tailored mortgage advice in Sittingbourne for customers over 60, focusing on options that reflect your lifestyle and future plans.
From standard mortgages with longer term limits to retirement interest-only mortgages and equity-based products, we’ll help you understand what’s out there and how each option could work for you.
Having a less-than-perfect credit history doesn’t mean a mortgage is off the table.
While some high street lenders may be more cautious, there are others who take a more flexible approach and consider a wider range of circumstances.
We’ve helped many customers in Sittingbourne with credit issues, including missed payments, defaults, CCJs and even previous bankruptcies, secure a mortgage that works for them.
We’ll talk through your credit file, explain what’s realistic, and look at deals from lenders who are open to different backgrounds.
It’s about finding the right match for your situation.
If you’re buying a new property before your current one sells, or need fast access to funds for a time-sensitive purchase, a bridging loan can be a short-term option worth exploring.
These loans are designed to “bridge the gap” and are often used by buyers looking to avoid chain delays or complete quickly.
Bridging finance can be more complex than a standard mortgage, but we’re here to break it down.
We offer advice on bridging loans in Sittingbourne, looking at costs, repayment plans, and lender requirements.
Whether you’re a homeowner, landlord or investor, we’ll help you explore whether this type of finance could work for your plans.
You can access expert mortgage advice in Sittingbourne seven days a week, including weekends, so support is always available when you need it.
Speaking to a mortgage advisor won’t cost you a thing, and there’s no pressure to move forward unless you’re ready.
From start to finish, you’ll have one dedicated advisor managing everything, making the whole process feel more personal and less stressful.
Our advice is always based on what’s right for you, not what’s best for the lender.
We’re proud to be rated five stars for providing a service that’s fast, friendly, and genuinely reliable.
With access to thousands of mortgage deals, we’ll help you find one that fits your needs and circumstances.
Thanks to decades of experience, we know how to navigate the market and find the right mortgage for you.
We’re here to support you at every stage, from your first enquiry all the way through to completion.
The amount you can borrow is mainly based on your income, your monthly outgoings, and how much existing credit you already have.
Lenders usually offer around 4 to 4.5 times your annual income, but this can vary depending on your financial circumstances and the lender’s own criteria.
They’ll take a close look at your employment type, any additional income like bonuses or benefits, and how consistent your earnings are.
Your credit history also plays a role, as well as the length of your mortgage term.
We’ll work out your potential borrowing early on, so you have a clear picture of your budget before you start viewing homes in Sittingbourne.
Your deposit is the amount you’ll need upfront when buying a home, and it directly affects how much you’ll need to borrow.
For most residential mortgages, you’ll need at least 5% of the property’s value. So, if you’re buying a £200,000 home, you’d typically need a deposit of at least £10,000.
Putting down more can often give you access to lower interest rates and reduce your monthly payments.
For example, a 10% or 15% deposit opens up a wider choice of deals. If you’re looking at a buy to let mortgage, the minimum deposit is usually higher, often 20% or more. We’ll help you figure out what deposit works best for your situation and what options are available based on how much you’ve saved.
Yes, it’s possible. While some high street lenders might be more cautious, others take a more flexible approach.
Having missed payments, defaults, or even CCJs doesn’t necessarily mean you can’t get a mortgage.
We’ve helped many customers in Sittingbourne secure a mortgage with bad credit by looking at specialist lenders who focus more on your current circumstances than your past.
The key is knowing which lenders to approach, and that’s where we come in.
Once you’ve found a property and your application is submitted, getting a mortgage offer usually takes a few weeks, depending on the lender.
Some cases move faster, while others may take longer if things are more complex.
The full home-buying process, right from your first enquiry to completion, often takes a couple of months.
We’ll keep things moving as quickly as possible, keeping you updated every step of the way.
Lenders will need to verify your identity, income, and financial situation.
You’ll usually need proof of ID (like a passport or driving licence), recent bank statements, payslips or tax returns, and details of any existing credit.
If you’re self-employed, they may ask for two to three years of accounts or SA302s from HMRC.
Don’t worry if you’re not sure where to start, we’ll let you know exactly what’s needed and help you get everything together.
It can be, especially if your current deal is coming to an end.
Many homeowners in Sittingbourne choose to remortgage to avoid moving onto a lender’s standard variable rate, which is often higher.
Others remortgage to release equity for home improvements or to consolidate debts.
We’ll help you weigh up the pros and cons based on your current situation and long-term plans, so you can make a decision that works for you.
Absolutely. Being self-employed doesn’t mean you can’t get a mortgage, it just means the process might be slightly different.
Lenders will usually want to see evidence of your income over the past couple of years, such as tax returns or business accounts.
We’ve helped many self-employed clients in Sittingbourne secure a mortgage and can guide you through what lenders are looking for.
A mortgage in principle (sometimes called an Agreement in Principle) is a statement from a lender confirming how much they’re likely to let you borrow based on some basic checks.
It’s not a full offer, but it gives you a clearer idea of your budget and can show estate agents that you’re serious about buying.
Getting one is quick and easy, and it’s often one of the first things we help our customers with.
Working with a mortgage broker like ourselves, means you’re not limited to one lender’s products.
We search through thousands of deals to find something that suits your circumstances, whether you’re a first-time buyer, moving home, or dealing with something more complex.
We know what different lenders are looking for, so we can save you time and help you avoid unnecessary setbacks.
Yes, there are mortgage options available for people over 60, including standard mortgages, retirement interest-only mortgages, and later life lending products.
Whether you’re downsizing, releasing equity, or buying a new home, we’ll look at what’s available based on your income, property value, and future plans.
We regularly help customers in Sittingbourne and surrounding areas explore these options and find something that fits their needs.
Buy to let mortgages are designed for properties that you plan to rent out rather than live in yourself.
Lenders look at the potential rental income to decide how much you can borrow, and the required deposit is usually higher than with a residential mortgage.
Interest rates and fees can vary, and the criteria may change depending on whether you’re applying as an individual or through a company.
We’ll guide you through the process and help you understand what’s involved.
A bridging loan is a short-term solution used when you need quick access to funds, usually between buying a new property and selling your existing one.
It’s also used for auction purchases or buying properties that aren’t mortgageable in their current state. Bridging loans are more specialised and often move faster than standard mortgages.
If you’re considering one in Sittingbourne, we’ll talk through the costs, timescales, and repayment options to see if it’s the right fit.
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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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