Expert mortgage brokers in Kent
From first-time buyers to seasoned investors, we provide expert advisory and broker services for the whole of Kent.
Looking for a mortgage broker in Kent?
Whether you’re buying your first home, remortgaging, moving house, or investing in a buy-to-let – we can help.
At The Introducing Broker Finance Hub, we’re independent, FCA-regulated mortgage brokers based in Kent, working with clients across the county and beyond. We offer whole-of-market mortgage advice, meaning we search across high street banks, specialist lenders, and broker-only deals to find the right fit for your circumstances.
We take care of the paperwork, speak to the lenders, and guide you from start to finish – so you can move forward with confidence.
What makes us different?
There’s a reason we’re rated 4.7 Excellent on Trustpilot
Exclusive lender access
90+ lenders across the whole market to get you the best deal.
Local market expertise
We know Kent's property hotspots and pricing trends.
Free consultation
Get a free consultation and agreement in principle.
Outstanding service
Don't just take our word for it. We're rated 4.7/5 on Trustpilot.
Our mortgage services
Residential mortgages
Whether you're buying your first home, moving house, or remortgaging across Kent, we make finding the right mortgage simple. With access to 90+ lenders including building societies and specialist providers, we cut through the jargon to find mortgage deals that fit your life and budget.
First-time buyers in Kent
Making homeownership possible across the whole of Kent. We guide you through Help to Buy alternatives, Shared Ownership, and First Homes schemes. Our Kent first-time buyer specialists have helped 500+ clients secure their first home.
Remortgaging in Kent
Don't just accept your renewal offer. We'll search 90+ lenders to find better rates and could save you £100s monthly on typical Kent property values. Free remortgage review with no obligation.
Self employed mortgages
Kent's contractors, freelancers, and business owners need specialist lenders who understand your income. We can use net profit calculations for better borrowing power, often with just 1 year's accounts.
Buy-to-let mortgages Kent
Using specialist modelling software, we analyse expected returns and rental yields before recommending mortgages. From student properties in Canterbury to family homes in Sevenoaks - we know which lenders favour Kent postcodes.
Houses of multiple occupation
Maximise rental returns with HMO mortgages for Kent's strong student and professional markets. We work with specialist lenders who understand Kent's licensing requirements and know which areas offer the best HMO opportunities across the county.
Ready to get started? Speak to a Kent mortgage expert today
We’ll even give you a £50 voucher if we can’t beat your existing quote.
Get your free mortgage consultation and find out what you could borrow.
Areas we cover
We’re proud to offer mortgage broker and advisory services to homebuyers throughout Kent, with particular expertise in:
Major Kent Towns:
- Maidstone
- Canterbury
- Tunbridge Wells
- Ashford
- Dover
- Folkestone
- Dartford
- Kings Hill
- Gravesend
- Sevenoaks
- Tonbridge
- Medway (Rochester, Chatham, Gillingham)
Popular Kent Villages:
- Whitstable
- Faversham
- Sandwich
- Deal
- Westerham
- Edenbridge
- Cranbrook
Our lenders:
What our customers say
Our process
We make the mortgage process straightforward and stress-free. Here’s how we work:
1. Free consultation
We start with a no-obligation consultation to understand your needs and goals.
2. Affordability check
We’ll assess your financial situation to determine the mortgage products you qualify for. This will not impact your credit score.
3. Mortgage in principle
Get an agreement in principle to show you’re a serious buyer.
4. Application
We handle all aspects of your mortgage application, liaising with lenders and keeping you updated.
5. Mortgage offer
Once your application is approved, we ensure a smooth transition to your full mortgage offer.
How much can I borrow?
Find out how much you could borrow today by using our mortgage calculator. Simply input your details below to get an estimate of what you could qualify for.
Please note: The results provided by this calculator are estimates only and are not guaranteed. Actual borrowing limits may vary based on your full financial situation. For an accurate assessment, please speak to one of our expert advisors.
Mortgage repayment calculator
Enter your details to estimate your monthly repayments.
Frequently asked questions
Do you charge broker fees in Kent?
To ensure you get the best possible service no matter how complex your situation, The Introducing Broker Finance Hub Ltd usually charges a fee for mortgage advice.
For a standard mortgage or remortgage, we charge £495, and for a more complex mortgage (adverse credit, Lifetime Mortgage, Sharia Compliant Home Purchase Plans) we charge up to £1,495.
These represent our typical fees, but your adviser will let you know at the outset if a different fee structure is applicable to your situation. The maximum fee we charge will never be more than £1,495.
Why use a mortgage broker?
- You’ll get expert advice from a fully qualified specialist.
- You’ll get access to over 90 lenders, often with exclusive deals not found on the high street or through other channels
- A personal protection review with our in-house protection specialist, helping to ensure you have the right cover in place should the unexpected happen. We’ll also offer you a complimentary annual review to ensure your plans remain suitable for your needs and circumstances
- Plus we’ll do all the hard work, so you don’t have to! We’ll help you find the right mortgage and conveyancer, and we’ll liaise with your solicitor and estate agent once your offer has been accepted.
How quickly can you arrange a mortgage in Kent?
We offer same-day appointments and can secure decisions in principle in as little as 4 hours.
For bridging, commercial, and development finance, we can often provide 5 different lender decisions within a single application, with results frequently available the same day.
For standard residential mortgages, formal offers typically take 1-2 weeks from submission, though this may be longer depending on case complexity and individual lender requirements.
Can you help if I've been refused elsewhere?
Even if you’ve previously been turned down, or are facing difficulties accessing the right mortgage deal, our mortgage brokers will work to find you a solution.
There is a range of bad credit mortgage options out there, and specialist lenders will consider your situation, even if you have a low credit score, previous satisfied/unsatisfied CCJ’s, Defaults, Late Payments, Arrears etc.
We are committed to helping those with complicated credit reports achieve mortgage approval against the odds. We’ll take the time to understand your past and present financial history, and your home-owning dreams, providing helpful guidance to help you get there.
From perfecting your mortgage application to identifying suitable mortgage deals, we’re here to make the process much more straightforward. It will be move-in day in no time at all!
Do you only work with Kent residents?
We work nationwide, but our team has deep knowledge of Kent’s property market, local authorities, and regional lenders.
What deposit do I need for a first home in Kent?
Most first-time buyers in Kent can secure a mortgage with a deposit of just 5-10% of the property value, though a 15-20% deposit typically unlocks better interest rates and more lender options.
For example, on a £350,000 property (around the Kent average), you’d need:
- 5% deposit: £17,500
- 10% deposit: £35,000
- 15% deposit: £52,500
Government schemes can help reduce your deposit:
- First Homes Scheme – 30-50% discount on new builds for local workers
- Shared Ownership – Buy 25-75% initially, rent the rest
- Help to Buy ISA/Lifetime ISA – Government bonus on your savings
Free no obligation mortgage review
Find out what you could borrow in just 10 minutes:
✓ Instant eligibility check
✓ Best available rates across 90+ lenders
✓ No credit score impact
✓ Completely free consultation
Plus, if we can’t beat your renewal deal, we’ll give you £50 voucher!
