Mortgage Broker in Kent

Buying, moving home or reviewing your mortgage in Kent? Get independent advice by phone or video, with mortgage options compared from a panel of 90+ lenders. Your first chat is free, and any later broker fees are explained before you proceed.

Clear advice from whole-of-market mortgage broker. Whether you’re buying your first home, remortgaging, or investing in property, we help you secure the right deal without hidden fees from the comfort of your own home or office.

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Near you, No matter where you are

More than mortgages, we cover the whole journey

Whole-of-Market

With access to over 90+ lenders

250+

5 Star Reviews

● Near you, No matter where you are
More than mortgages, we cover the whole journey

● Whole-of-Market
With access to over 90+ lenders

● 250+
5 Star Reviews

Who To Trust When Buying a House?

Everything You Think You Know About Deposits: Is Wrong!

Mortgage advice across Kent, built around your circumstances

Tell us where you are buying, your deposit, how you earn and when you need to move. We will review the figures, explain suitable mortgage routes and support the application from enquiry to completion.

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Buying, moving and remortgaging in Kent

A mortgage for a flat in Maidstone may involve lease and service-charge checks. A new-build purchase in Sittingbourne also needs planning around the reservation terms and expected completion date. We look at the individual property alongside your income, commitments and deposit before recommending a mortgage.

First-time buyer mortgages: understand your deposit, buying costs and borrowing options before making an offer.
Moving home and porting: compare taking your current mortgage with you against changing deals, including any extra borrowing and early repayment charges.
Remortgaging: compare a new lender with the options offered by your current lender, looking at fees as well as the rate.
Buy-to-let mortgages: review the deposit, expected rent and lender requirements for the specific property.
Limited company buy-to-let: discuss the mortgage route if you plan to buy through a company.

If you are self-employed, receive variable pay or are considering shared ownership, tell us at the outset so we can check the relevant criteria.

Find mortgage advice for your Kent location

See our pages for Maidstone, Gravesend and Sittingbourne. You can also speak to us if you are buying elsewhere in Kent or have not chosen a town yet.

Use our borrowing power calculator for an initial estimate and our mortgage calculator to try repayment scenarios. Results are estimates, not a lending decision. Book your free first chat to review your circumstances.

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Insurance and mortgage protection in Kent

A new mortgage changes the bills your household would need to cover if your circumstances changed. We can discuss protection alongside the mortgage, including existing policies, dependants, employer benefits and what you can afford.

Life insurance: consider who would need financial support if you died.
Critical illness cover: review the conditions covered, exclusions and benefit amount.
Income protection: consider how you would meet household costs if illness or injury stopped you working.
Home insurance: check buildings and contents cover for the property and your circumstances.

Read about our protection services. Cover is subject to the policy terms and insurer assessment.

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Property support in Kent

Your choice of solicitor and survey should reflect the home you are buying. Ask about the lease for a flat, warranties for a new build and property searches where relevant. For a riverside or coastal property, your solicitor can advise on the searches needed for that address.

Solicitor introductions for the legal work involved in buying, selling or remortgaging.
RICS survey support to help you understand the condition of the property.

A mortgage valuation is for the lender and is not a full survey. Your solicitor and surveyor provide their own professional advice, with their fees agreed separately.

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Will writing and planning ahead in Kent

Buying a home, moving in with a partner or becoming a landlord is a useful point to review your will. Consider who should inherit your share of a property and whether your current arrangements reflect your wishes.

Our will-writing service can help you take the next step. Discuss property ownership and inheritance questions with your solicitor or will writer. For investment or tax questions, seek advice from an appropriately qualified professional.

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Who We Help

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First-time Buyers in

Kent

Work out a realistic deposit and total buying budget before seeking an agreement in principle or making an offer in Kent.

Moving House in

Kent

Plan the sale and onward purchase together, checking porting rules, extra borrowing and the timing of both transactions.

Older borrowers in

Kent

Discuss the proposed mortgage term, lender age limits and how working or retirement income would support repayments.

Shared ownership & Help to Buy in

Kent

Understand the mortgage, rent and charges for shared ownership. If you already have an equity loan, tell us so its terms can be considered.

Remortgaging Homeowners in

Kent

Compare your current lender’s offer with other panel options, including fees, early repayment charges and the reason for any extra borrowing.

Self-employed applicants in

Kent

Review how your accounts, tax calculations, business structure or contract income may be assessed by different lenders.

Buy-to-let investors in

Kent

Review rental-cover requirements, the deposit and whether you plan to borrow personally or through a limited company.

Why Choose an Independent Mortgage Broker in Kent?

A single bank can only assess you against its own mortgage criteria. MBNM compares options from a panel of 90+ lenders and explains how the income, property and costs affect your choices. Panel access does not mean every lender or product is available, and all applications remain subject to lender assessment.

Mortgage options from a panel of 90+ lenders

Advice based on your income, property and budget

Application support and updates through to completion

Free first chat, with later broker fees explained upfront

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New owner holding the key to their house after using MBNM to assist with their mortgage

At Mortgage Brokers Near Me

At MBNM, we help borrowers across Kent understand their mortgage choices through phone or video appointments, without needing to visit a branch.

10+

Years of Expertise

90+

Lenders To Compare

7000+

Buyers supported

5*

Rating on Google

Our Process

Start with a free chat about your plans. We then review the documents, compare suitable panel options and explain our recommendation and fees. If you choose to proceed, we support the application and keep you updated through to completion.

Consultation

We start with a friendly chat to understand your goals, situation, and what you’re looking to achieve. Whether that’s buying your first home or remortgaging.

We compare mortgage deals from over 90 lenders to find the most suitable option tailored to your circumstances and long-term goals.

Submit

We handle the full application process, from paperwork to lender communications. Keeping you updated at every stage.

Offer

Once approved, we’ll walk you through the final steps and make sure everything is in place for a smooth handover to your solicitor or agent.

FAQs

Quick answers to common questions, get started with confidence.

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Can you help with a mortgage in Kent if I have not chosen a town yet?

Yes. We can start by reviewing your income, deposit and regular commitments to estimate a workable budget. Once you shortlist properties, we check the details that may affect lending, such as the tenure, construction and charges. An agreement in principle is conditional and does not guarantee a mortgage offer.

What should I check before reserving a new-build home in Kent?

Ask for the reservation deadline, expected completion date, warranty provider, full purchase price and details of any builder incentives or estate charges. These can affect the lender’s assessment and the timing of the offer. Speak to us before committing so we can review the proposed purchase and available mortgage options.

Can self-employed borrowers get mortgage advice in Kent?

Yes. We review how you trade and the evidence of your income before comparing lenders. Sole traders, company directors and contractors can be assessed differently. Accounts, tax calculations, tax-year overviews and contracts may be needed, depending on the lender. Your trading history, credit profile, deposit and commitments also matter.

How should I budget for shared ownership in Kent?

Include the mortgage payment on the share you buy, rent on the unowned share, service charges and the usual household bills. Keep funds aside for legal and other purchase costs. The housing provider assesses scheme eligibility, and the lender also checks affordability. A smaller advertised share price does not remove those ongoing costs.

Will a riverside or coastal property in Kent be harder to mortgage?

The address alone does not determine the outcome. The lender considers the individual property and valuation, while your solicitor can arrange relevant searches. Check flood information and whether suitable buildings insurance is available where applicable. Tell us about known flooding or insurance issues early so they can be considered before an application.

Do I need to visit a Kent office, and what does the advice cost?

No office visit is needed. We support borrowers in Kent through phone or video appointments. Your first chat is free. If a broker fee applies later, we explain the amount, when it is payable and what it covers before you proceed. Lender, legal and other third-party costs are considered separately.

Local Mortgage Market Insights from a Leading

Kent

Mortgage Broker

Property and budget checks for a mortgage in Kent

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Kent covers different property types and locations, so one set of market claims will not fit every buyer. When comparing a flat, new build or rural home, bring the property details as well as your finances. Include travel, childcare and other regular costs in your budget. Where flood risk may be relevant, use property-specific searches and insurance information rather than judging the whole town by its location.

House price trends

Use the price of the home you are considering, your available deposit and buying costs to set the budget. A countywide average cannot tell you what a lender will offer on a particular property.

First-time buyer activity

For shared ownership, budget for the mortgage on your share, rent on the remaining share and any service charges. Check the housing provider’s eligibility rules as well as the lender’s requirements.

Remortgaging trends

Note when your current deal ends and what any early repayment charge would be. Compare a product transfer with remortgaging, including arrangement, legal and valuation costs where applicable.

Buy-to-let activity

Use evidence of the expected rent for the individual property and allow for maintenance, insurance and empty periods. The lender’s rental assessment is separate from whether the investment meets your own goals.

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