Mortgage Advice Across Kent & the South East
Based in Sole Street, Cobham, Kent, we help first-time buyers, home movers and homeowners across North Kent secure the right mortgage and protection advice.
Tell us a little about your plans and we'll take it from there.
Why Homebuyers Across Kent & the South East Choose Thameside Mortgages
⭐⭐⭐⭐⭐ 200+ Five-Star Reviews
Trusted by first-time buyers, home movers and homeowners across North Kent.
🏡 Mortgage & Protection Advice
Helping you make informed decisions with clear, straightforward guidance.
🤝 Personal Service From Start To Finish
You’ll work with a dedicated adviser who gets to know you and your plans.
Mortgage Advice Built Around You
Getting a mortgage shouldn’t feel confusing or overwhelming. Whether you’re buying your first home, moving house or reviewing your current mortgage, you deserve clear advice, straightforward answers and support from people who genuinely care about the outcome.
At Thameside Mortgages, you’ll work directly with a dedicated adviser from your first conversation through to completion. We’re a family-run mortgage and protection brokerage based in Sole Street, Kent, helping clients across Gravesend, Meopham, Longfield, Cobham, Dartford and the wider North Kent area.
We believe great advice starts with understanding your circumstances, goals and concerns before recommending any solution. That’s why more than 200 local clients have trusted us with their mortgage and protection arrangements and rated us five stars for the service they’ve received.
Whether you’re a first-time buyer, home mover, remortgaging homeowner or property investor, we’ll take the time to explain your options clearly, answer your questions and help you make confident decisions.
If you’re looking for friendly, professional mortgage advice from a team that puts your interests first, we’d love to hear from you.
What is the mortgage application process for a purchase?
Mortgages can be daunting, especially if you’re a first-time buyer. At Thameside Mortgages, however, from your first enquiry to getting the keys, we will be on hand to guide and support you every step of the way. Here’s what you can expect:
1.) Our mortgages brokers in Kent will start with an initial chat so we can gather some details. This will give us an idea of how much you can borrow, your maximum purchase price, the costs associated with the mortgage and your approximate monthly repayments.
2.) You’ll then receive an email detailing this information and setting out your next steps should you wish us to proceed to find an Agreement in Principle (AIP).
3.) Once you have an AIP, we will send you a full list of documentation we will need to complete the application. If you are purchasing a new property, you can now go and start house hunting, and we will check in with you every 1-2 weeks.
4.) Once your offer has been accepted and we have the information required to submit an application, we will ensure the survey (valuation) of the property is arranged and send the required documents to the mortgage lender. Our job is to obtain a formal mortgage offer (approval) as quickly as possible.
5.) At this point, there are numerous areas we can help with. Firstly, we would look to ensure you have the right level of insurance to protect you, your family and your home. Things can get complicated and confusing during the legal process, so we will always be on hand to help you with each step and provide the solicitor with any documents in relation to your purchase. We’ll continue to liaise with you and the solicitors to ensure clear and smooth communication and regular updates right through to the point of completion. So you never feel left in the dark or overwhelmed and confused by jargon.
6.) Once completed, you can relax, feeling confident that you have the right mortgage and protection.
We’ll now take care of you for as long as you have a mortgage and beyond. We will be in touch six months before your new deal is about to end and walk you through the process again.
What is the mortgage application process for a remortgage?
Interest rates have risen significantly since the turn of 2022, meaning thousands of people are coming to the end of low-interest rate mortgage deals. It’s incredibly difficult to know whether to gamble on rates reducing or take the security of a long-term fixed rate.
When there are six months left on your current deal, it’s the perfect time to assess your options. Don’t worry. You won’t pay a penalty for coming out of your current deal early. You will just secure a deal ready for when the current mortgage product comes to an end.
At Thameside Mortgages, from your initial conversation to the completion of your remortgage, we will provide you with the pros and cons of the thousands of mortgage products out there, ensuring we choose a product that suits your needs and attitude to risk. Here’s what you can expect:
1.) We’ll start with an initial chat so we can gather some details. This will give us an idea of your existing mortgage details (balance/term/interest rate/when your deal ends).
2.) We’ll guide you through the various mortgage options, such as fixed rate vs variable rates and short-term vs long-term deals.
3.) This will be the perfect time to decide whether you’re happy keeping all aspects of your mortgage the same, such as the loan amount and the mortgage term, or if you would like to consider raising extra finances at the same time to make home improvements or clear some debt.
4.) Invariably, we will compare the mortgages your existing lender can offer against the thousands of other products available to you.
5.) You’ll then receive an email detailing your options, setting out your next steps to secure the deal and a full list of the information we will need to complete your application.
6.) Once we submit your application, we will send the required documents to the mortgage lender, and our team will work hard to obtain the formal mortgage offer/approval as quickly as possible.
7.) We will look to ensure you have the right level of insurance to protect you, your family and your home. We will liaise with you and the solicitors to ensure clear and smooth communication and regular updates right through to the point of completion. So you never feel left in the dark or overwhelmed and confused by jargon.
8.) Once your remortgage has completed, you can relax, feeling confident that you have the right mortgage and protection for your needs.
9.) We will take care of you for as long as you have a mortgage and beyond. We will be in touch six months before your new deal rate is about to end and walk you through the process again.
At Thameside Mortgages, our brokers have helped hundreds of people in Kent and the surrounding area achieve peace of mind with their mortgages. Our exceptional customer service and communication are what sets us apart and keep our customers returning to us year after year.
How many lenders do you have access to?
At Thameside Mortgages, we are able to search more than 70 lenders to find you a mortgage deal that’s right for you. We take the time to understand you, your situation and future plans to help us find a product that fits. So, whatever your situation, poor credit, employed or self-employed, looking for a single or joint mortgage, it’s worth getting in touch to see if we can help.
Why choose Thameside Mortgages?
If you’re looking for a mortgage broker in Kent that will walk with you through the entire process and always keep you up to date and in the loop, you’re in the right place. Our brokers really take the time to understand each and every customer to find the right products for each unique situation. We have been serving Kent and the surrounding areas for over 17 years and have over 200 five-star reviews from customers who have been delighted with our high level of customer service, outstanding communication and willingness to explain things clearly.
Do you provide mortgage protection?
Absolutely. Part of our dedication to our clients is ensuring you have the right level of protection. Again, our highly experienced mortgage brokers will take the time to look at your situation and future goals to make recommendations that are personal and tailored to you. We’ll look at your current policies and what employee benefits you may have to ensure they are fit for purpose and highlight any shortfalls. Our promise to you is that we’ll never push products you don’t need, and we won’t confuse you with jargon.
Ready to get started?
Whether you're buying a home or reviewing your current mortgage, we'd love to help.
A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it. The Financial Conduct Authority does not regulate most forms of buy to let mortgage.
What our clients are saying…
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Jason helped me through the whole process and explained everything to me and left me stress free and kept me up to date with everything, would definitely recommend and will be using Thameside mortgages again!
Ash Wells
22/05/2026Fantastic service from start to finish. Andrew secured an excellent mortgage switch for us with zero stress. Clear communication, quick updates, and a brilliant result. Highly recommend!
Jess Carberry
12/12/2025Would definitely recommend Andrew at Thameside Mortgages, he really listened to what I was looking for. Good and regular communication!
Annie McKenna
06/12/2025Thank you once again for helping us, wishing you and your staff and family a happy Christmas, Rob & Laura
Henry Howard
05/12/2025Thameside Mortgages have been providing me with mortgage advise for over 4 years and I feel very comfortable working with them. While I benefited from them helping to navigate multiple lenders, on a number of occasions I have also raised some seemingly tricky scenarios and questions that would help me in making the most economical decision for my mortgage, and I can say that they have given me the best advise, which I have validated. This comes from their vast knowledge and experience. I would recommend them to anyone any day.
Uche Uba
04/10/2025Once again you have done a first class job, you make re-mortgaging so much easier, with a mortgage rate that I didn’t expect to get. Thank you so much for all your help.
Marcus Ross
18/09/2025 -
My mortgage renewal was made very easy and feel I got a good deal considering the current market, thank you for kindness and help to do this! 😊
Emily Dyett
05/08/2025Brilliant team, nothing too much trouble to ask and everything is explained and answered with no hesitation. Have used Andrew ever since our first mortgage nearly 20 years ago! Would highly recommend.
Leanne Bushnell
05/06/2025Moving house can be daunting for anyone, especially being first time buyers as we had no idea about moving and what’s involved in the process. Thankfully, we came across Thameside Mortgages, which gave us so much reassurance, clarity and helped simplify everything throughout our entire mortgage process. Nothing was too much to ask and as a team, they have far exceeded any expectation by going above and beyond for us and always being just a phone call away. We couldn’t have done it without Andrew, Laura and Lydia. You are the most helpful and supportive business with the highest standard of client care. We can’t thank you enough. When we end up moving in the future, Thameside mortgages will be the first people we turn to, we highly recommend them to anyone that’s thinking of moving. You are in the safest hands choosing this business. Thank you so much for everything! Shannon and Alfie.
Shannon McMahon
14/05/2025Thameside Mortgages provided exceptional service as our mortgage adviser. Andrew & Laura were knowledgeable, responsive, and secured us a great rate that perfectly matched our needs. Their expertise extended beyond just mortgages, they also guided us through selecting appropriate life insurance policies with the same professionalism and clarity. The entire process was smooth, with excellent communication throughout. Their proactive approach to solving challenges and coordinating with other parties made what could have been a stressful experience remarkably straightforward. Highly recommend for anyone looking for mortgage and insurance guidance from people who truly care about their clients.
Shannon Moore
08/05/2025Andrew and the team at Thameside Mortgages were great from start to finish. Very highly recommended. All their knowledge and experience was very much appreciated.
Paul Grundy
29/03/2025Thameside Mortgages provided exceptional service from start to finish. They guided us through the process of purchasing our dream home with seamless communication from the very beginning. They also assisted us in securing the best home and life insurance coverage for our family. I highly recommend Andrew and his team!
Ben Williams
17/03/2025 -
Excellent Mortgage Advice & Support I had an outstanding experience working with Andrew Sheen from Thameside Mortgages when securing my mortgage last September. As a first-time buyer, I was unfamiliar with the process, but Andrew was incredibly friendly, knowledgeable, and patient, guiding me through every step—from obtaining an Agreement in Principle (AIP) to securing final approval. Andrew was diligent and always accessible, promptly responding to emails and phone calls whenever I needed assistance. His assistant, Laura, was also fantastic, helping me set up my home insurance tailored to my needs. I highly recommend Andrew and his firm to anyone looking for a professional and supportive mortgage advisor. Their expertise and dedication made the entire process smooth and stress-free! 🚀🏡
A K
08/03/2025We are first time buyers and these guys have been really informative and friendly. Happy to answer any questions and explain things you aren't sure of and kept us updated throughout the whole process, would recommend.
lily penney
06/03/2025Andrew and Laura went over and beyond in explaining, advising and detailing some of the intricacies involved in getting our first home. Cant recommend them highly enough!
Esiri Igbako
24/02/2025Great experience from start to finish. Thank you Andrew & Laura!
Robert Palmer
19/02/2025Easy and pleasant experience! Jason was thorough, knowledgable and informative throughout the process. He worked hard to find us the best deal and went above and beyond to speak to our current mortgage provider to port our mortgage to our new property. Cannot fault the process at all, it was a pleasure using them and I would not hesitate to use Thameside Mortgages again - all for a fair price too.
Mike LT
17/02/2025Made the process very easy. Was always on hand to help during the process.
Christian Franke
12/02/2025 -
Our Advisor Jason from Thames side mortgages helped us from start to finish of helping us buy our first home, he went above and beyond. Helped us with all our questions and queries and even continued to support us after our mortgage was accepted. We would whole heartily recommended him to anyone who needs a mortgage advisor.
Emily Payne
08/02/2025This is the third time I’ve worked with Andrew and Laura who once again bagged me a good deal and made the whole experience a complete breeze. I have 100% faith in Andrew and the team at Thameside and there is no question I’ll be using them again at the next renewal, it’s a given.
Thomas Denton
06/02/2025We used Thameside Mortgages for the sale of our flat and purchased of our new home. Andrew and his team have been fantastic all the way through this quite stressful process but they have always been on hand to help with any questions we had or anything they needed from us. From telephone conversations to email correspondences this has been constant and upto date. We have also received an email to say they will be in contact when our mortgage renews, so they are there every step of the way. I would recommend using Thameside Mortgages, they have lovely team to help you, thank you all for your help and support.
Katie Burden
05/02/2025Excellent service from start to finish. Great communication throughout. Andrew and Laura were very helpful and always at the end of the phone if needed and always kept me updated throughout our process and communicated after ensuring everything went smoothly. Would highly recommend using Thameside mortgages for a smooth and reliable easy process.
Carla Marlow
03/12/2024Thameside Mortgages helped us all the way through our re-mortgage process making us feel confident we would get the best deal on the market available to us. I would definitely recommend Thameside Mortgages to everyone.
Jordan Smith
10/10/2024Andrew, Laura and the TM team provides an excellent service. They are diligent. I had 2 rental properties and my home to remortgage at the same time. I was worried because of the huge increases in rates, but I need not have been. Work and home pressures meant I was stressed. I benefitted from follow-up emails and texts reminding me of outstanding things and updates. I highly recommend them
gillian paul
07/08/2024 -
Cannot highly recommend Thameside Mortgages enough. From start to end, Andrew and the team were fantastic. As first time buyers, we didn’t even know where to start, and Andrew was there every step of the way from giving us advice at the beginning to ensuring that we had insurance in place right at the end. His support and guidance has been second to none and I have already recommended Thameside Mortgages to many friends and family, and will continue to do so. They have the extra touch when it comes to their clients and you are considered as more than just a paying customer. If you are looking for professional high standards, care and a team that go above and beyond, then you cannot go wrong with this company.
Lucy Cutting
24/07/2024Thameside Mortgages provided a faultless service from start to finish. As a first time buyer and self-employed person, Andrew guided me through the process in such a clear, efficient and kind manner enabling me to make informed decisions and easing the stress of buying a home! Thank you Andrew and team!
Clementine Medforth
18/07/2024The whole process was quick, efficient and hassle free. Andrew is always a pleasure to deal with and finds the best option for your needs and offers clear advice throughout. I have recommended Thameside Mortgages to friends and will continue to.
james goldfinch
15/07/2024The whole process was quick, efficient and hassle free. Andrew is always a pleasure to deal with and finds the best option for your needs and offers clear advice throughout. I have recommended Thameside Mortgages to friends and will continue to.
james goldfinch
14/07/2024Andrew at Thameside mortages has been brilliant in helping us secure great mortgage deals for my last 2 properties. He provides straight forward, honest advise and makes what can be a complex process very easy. Our most recent remortgage has been complex due to our requirements for an expat buy-to-let mortgage, but Andrew has been very thorough and persistent is scouring the market for the best deal that suits our financial needs.
Faris Pervez
16/06/2024As a first time buyer Andrew made the process seamless for me. He explained everything to me from my mortgage in principle to completion and answered all my questions (I had a lot!). I would recommend Thameside Mortgages to everyone and anyone!
Louise Houghton-Campion
16/06/2024 -
Andrew worked very diligently and quickly to secure us a good deal and explained everything in clear and understandable terms. This is the 4th or 5th time I have used Andrew and I would definitely recommend him to anyone - always available, lots of good advice, proactive with the lender trying to push everything through. 5 stars
Charlie Riddell
16/06/2024I’m so grateful for all of Thames Mortgages help throughout the process of buying our home. It wasn’t an easy purchase, but Andrew and the team have been so supportive throughout and we couldn't have met our deadline we wanted to meet without their helping. Thank you so much. Lexy
Lexy Besterman
16/06/2024Andrew at Thameside mortages has been brilliant in helping us secure great mortgage deals for my last 2 properties. He provides straight forward, honest advise and makes what can be a complex process very easy. Our most recent remortgage has been complex due to our requirements for an expat buy-to-let mortgage, but Andrew has been very thorough and persistent is scouring the market for the best deal that suits our financial needs.
Faris Pervez
04/06/2024As a first time buyer Andrew made the process seamless for me. He explained everything to me from my mortgage in principle to completion and answered all my questions (I had a lot!). I would recommend Thameside Mortgages to everyone and anyone!
Louise Houghton-Campion
03/06/2024Andrew worked very diligently and quickly to secure us a good deal and explained everything in clear and understandable terms. This is the 4th or 5th time I have used Andrew and I would definitely recommend him to anyone - always available, lots of good advice, proactive with the lender trying to push everything through. 5 stars
Charlie Riddell
03/06/2024I’m so grateful for all of Thames Mortgages help throughout the process of buying our home. It wasn’t an easy purchase, but Andrew and the team have been so supportive throughout and we couldn't have met our deadline we wanted to meet without their helping. Thank you so much. Lexy
Lexy Besterman
01/06/2024 -
Andrew and his team have proven to be invaluable in helping me secure a great deal on my mortgage for both Buy-to-Let and residential properties. They consistently go above and beyond to ensure their clients receive the best possible service. When it was time to remortgage, Andrew reached out to me and gave me the confidence that they were committed to finding the best deal. They searched diligently and were able to secure me an absolute fantastic offer. Throughout the entire process, they have been extremely helpful, friendly, and readily available around the clock to assist me. They keep us informed and involved whenever applicable, ensuring that we have a clear understanding of all discussions and decisions. Their unwavering support and exceptional assistance have earned our utmost appreciation. Without hesitation, I highly recommend Thameside Mortgages to anyone looking for assistance with their mortgage needs. Their professionalism, dedication, and expertise make them the perfect choice for anyone looking for mortgage, Lfe policies etc.,
P K
16/05/2024Andrew and his team have proven to be invaluable in helping me secure a great deal on my mortgage for both Buy-to-Let and residential properties. They consistently go above and beyond to ensure their clients receive the best possible service. When it was time to remortgage, Andrew reached out to me and gave me the confidence that they were committed to finding the best deal. They searched diligently and were able to secure me an absolute fantastic offer. Throughout the entire process, they have been extremely helpful, friendly, and readily available around the clock to assist me. They keep us informed and involved whenever applicable, ensuring that we have a clear understanding of all discussions and decisions. Their unwavering support and exceptional assistance have earned our utmost appreciation. Without hesitation, I highly recommend Thameside Mortgages to anyone looking for assistance with their mortgage needs. Their professionalism, dedication, and expertise make them the perfect choice for anyone looking for mortgage, Lfe policies etc.,
P K
09/05/2024I’ve just completed my remortgage with Thameside and highly recommended. They constantly checked the market to ensure we got the best rate in these challenging times, and were always on hand to explain anything I didn’t understand.
Safeya Abou-Zeid
16/03/2024I’ve just completed my remortgage with Thameside and highly recommended. They constantly checked the market to ensure we got the best rate in these challenging times, and were always on hand to explain anything I didn’t understand.
Safeya Abou-Zeid
04/03/2024Very professional always available when you need help. very happy I highly recommend them to anyone that wants to get a mortgage.
Arber Krasniqi
16/02/2024The Thameside Mortgages are incredible.They are extremely helpful and supportive.They have an extremely supportive and helpful staff who helped in every way possible.I recommend Thameside Mortgages to everyone who is looking!
Nand Pandey
16/02/2024 -
I worked with Andrew and Laura at Thameside Mortgages when purchasing my first home. The help and guidance I received was fantastic. Andrew was responsive and knowledgeable, and he was able to explain things simply to me. Would highly recommend to any first time buyers! Thank you both.
Lucy Edmondson
16/02/2024Very professional always available when you need help. very happy I highly recommend them to anyone that wants to get a mortgage.
Arber Krasniqi
02/02/2024The Thameside Mortgages are incredible.They are extremely helpful and supportive.They have an extremely supportive and helpful staff who helped in every way possible.I recommend Thameside Mortgages to everyone who is looking!
Nand Pandey
01/02/2024I worked with Andrew and Laura at Thameside Mortgages when purchasing my first home. The help and guidance I received was fantastic. Andrew was responsive and knowledgeable, and he was able to explain things simply to me. Would highly recommend to any first time buyers! Thank you both.
Lucy Edmondson
31/01/2024Very helpful and go the extra mile to get you the best deal possible .
mark melbourne
16/12/2023Very helpful and go the extra mile to get you the best deal possible .
mark melbourne
04/12/2023 -
We were originally introduced to Andrew by a friend and we never looked back following our first introductory meeting. Our purchase was complicated by being based overseas, having an existing property in the UK, and other factors that meant certain mortgage products weren't suitable for our circumstances. Andrew took the time to understand our needs and tailored his advice accordingly, leveraging his comprehensive knowledge of the products available particularly during the fast-changing market as interest rates spiked. His personalised approach and patience ensured we understood the options available and enabled us to structure our purchase in a way that was optimal for us. It was evident that Andrew had our best interests at front of mind to build a trusted and lasting relationship. We'll definitely be using Andrew again when we look to remortgage in the future and for advice regarding the other insurance services he provides.
MD
16/11/2023Can't fault the service we got from Jason and Laura. Highly recommend Thameside Mortgages. Thank you both for your hard work.
Kate Brewer
16/11/2023We were referred Andrew & Laura by a friends who has recently bought their first home and we are so glad they did! As first time buyers this was all new and scary to us but Andrew reassured us and made things so easy every step of the way. He proactively updated us and explained things so clearly. They have exceeded our expectations not just by helping us find a mortgage suitable for us but also sorting out all our insurances making the process stress free. Even once we got the keys to our home we received a lovely new home hamper and the attention to detail was fantastic! Thank you Thameside Mortages!
Jade Leonard
16/11/2023We were originally introduced to Andrew by a friend and we never looked back following our first introductory meeting. Our purchase was complicated by being based overseas, having an existing property in the UK, and other factors that meant certain mortgage products weren't suitable for our circumstances. Andrew took the time to understand our needs and tailored his advice accordingly, leveraging his comprehensive knowledge of the products available particularly during the fast-changing market as interest rates spiked. His personalised approach and patience ensured we understood the options available and enabled us to structure our purchase in a way that was optimal for us. It was evident that Andrew had our best interests at front of mind to build a trusted and lasting relationship. We'll definitely be using Andrew again when we look to remortgage in the future and for advice regarding the other insurance services he provides.
MD
08/11/2023Can't fault the service we got from Jason and Laura. Highly recommend Thameside Mortgages. Thank you both for your hard work.
Kate Brewer
04/11/2023Andrew and Laura have been a great support throughout my (long!) process of buying and selling. Andrew has always made the options available to me in terms of various mortgages or insurance crystal clear so I understand everything clearly as I am not one naturally with a head for figures. It became overwhelming at times but the Thameside team would help break things down so I got a grasp of everything before making huge decisions. My journey to eventually get to my new home was a bit of a rollercoaster but the team were always patient and supportive when I'm sure at times they were equally as frustrated by the challenges as I was. Above all though, Andrew and Laura (and Zoe) are all thoroughly nice people and that in itself is priceless.
Nicola R
16/10/2023 -
My mortgage renewal was made very easy and feel I got a good deal considering the current market, thank you for kindness and help to do this! 😊
Emily Dyett
16/10/2023A friend of mine recommend Thameside Mortgages and after obtaining my mortgage I will do the same in the future to anyone I know who's looking for a mortgage broker. Thank you Andrew and Laura, you've been brilliant!
Bradley
16/10/2023Great service and fantastic communication. Very happy
charly wild
16/10/2023Our experience with thameside was very very good. Andrew and Laura were very helpful and supported me and my partner throughout the whole mortgage process which made it a lot easier than we first feared. We would highly recommend thameside to anyone in a heartbeat. We wouldn’t have been able to get through without them both.
Luke Whittle
16/09/2023Massive thanks to Andrew and Laura. Couldn’t fault either of them, helped me throughout the entire process from getting the price range I wanted all the way to completion and making sure my insurance was all set up and everything was ready for when it needed to be! Couldn’t recommend anyone better!
Harry Frolich
16/09/2023Myself and my partner spoke to different company’s before speaking to Andrew and Laura at Thameside Mortgages and was absolutely blown away by the time and effort they put in straight away. They secured us a much better rate then we had previously been offered by 3 other companies and took the time to explain everything to us, as first time buyers we was unsure of the process. Not only securing us a brilliant rate in uncertain times with rates constantly rising but also helping with our life insurance and home insurance policies too. We could not have done this whole process without them and would highly recommend them to anyone in the process of sorting a mortgage!
April Ward
16/09/2023
Areas We Commonly Help Clients
Whilst we're based in Sole Street, Cobham, Kent, we provide mortgage and protection advice to clients across Kent, Surrey, London and the wider South East. We regularly help first-time buyers, home movers, landlords and homeowners throughout Gravesham, Dartford and Medway, with appointments available by phone or video call.