Mortgages

Independent Mortgage Advisor in Maidstone

No two people or situations are the same, so why should your mortgage be? Your job, income, & way of life are uniquely yours. The good news: lenders now offer a wider choice of mortgages than ever, featuring options from fixed to tracker rates, interest only or repayment. But with so much choice, it's easy to feel overwhelmed by jargon or the fear of making a wrong move.

That's where we step in as your independent mortgage advisor in Maidstone. Our aim is to break down the mortgage process into plain English, giving you honest, no jargon advice & the reassurance that you're making the best decision for your circumstances.

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Why Use a Mortgage Broker?

Choosing the right mortgage is one of the biggest financial decisions you'll ever make, & having a regulated, independent mortgage advisor can make all the difference. When you try to compare products alone, you're faced with endless rates, terms, & small print, never mind your daily commitments adding to the pressure.

Working with Mortgage & More means you get a team who does the legwork for you, matching you with suitable lenders & explaining everything in plain English. With us, you'll always get simple mortgage advice designed for your unique needs. We value honesty & clarity, because making informed financial decisions is what empowers our clients in Maidstone & across the UK.

Types of mortgages  

 

 

Types of Mortgages

Finance Factors offers a wide range of mortgage options to meet your unique needs:

 

mortgage advisor in the UK

First Time Buyers 

Taking your first step onto the property ladder can seem daunting. We'll guide you through every part of the house buying process: how much you can borrow, deposit choices, monthly payments, & all the hidden costs.

As independent mortgage advisors, our priority is plain English mortgage help. We explain what estate agents really mean, how lenders assess you, & what you need to do right now. With Mortgage & More, you get a free mortgage consultation to calm any worries.

Moving Home  ​

Whether you're upsizing, downsizing, or moving across Maidstone, finding the right mortgage for your next move makes all the difference.

Our approach is to listen to your goals, answer your questions, & recommend options from a full market range. As a regulated, independent advisor, we're here to save you from guesswork & ensure your move is as smooth as possible. 

Remortgages  ​

Remortgaging doesn't have to be complicated. Sometimes your current deal is ending or you want to borrow more for home improvements. We review offers from dozens of lenders, making sure you're not missing out. 

Our advice is always clear, no jargon, just honest comparisons, so you can switch & save with confidence. Speak to a mortgage advisor for simple answers about your options. 

Buy to Let  ​

If you're looking to become a landlord in Maidstone or expand your property portfolio, buy-to-let mortgages come with their own set of rules & figures. We explain the upfront costs & monthly commitments, & help you decide what's right given your goals, monthly income, future profit, or both.

Not every property brings the same return, but our experience means we help you choose wisely for better peace of mind.

Equity Release and
Later Life Lending  ​

Planning for later life takes careful thought. With people buying their first home later & living longer, more mortgage lenders now offer flexible options for those over fifty-five.

We consider both traditional mortgages & options like equity release, & always discuss downsizing or alternative strategies in easy-to-understand terms. Our role at Mortgage & More is to protect your interests throughout.

Commercial Mortgages 

Commercial property finance is more complex than residential. Landlords, business owners, & investors in Maidstone can benefit from an advisor who explains different options without the jargon. 

From shops & offices to larger developments, we support you through the application process & negotiation for the best terms available.

Secured Loans & Second Charge Mortgages  ​

Sometimes a second charge mortgage (secured loan) is the best way to borrow extra money for home improvements or other needs, while keeping your main mortgage in place.

We show you exactly how this works, explain the risks, & compare lenders for transparency. You stay informed & in control.

Self-Employed Mortgages 

Being self-employed doesn't mean mortgages are out of reach. Lenders simply assess your income differently! Whether you're a sole trader, director, or contractor, we know what paperwork you'll need & which lenders are most understanding. Get mortgage advice online or over the phone, with support for the paperwork at every stage.

Shared Ownership
& Shared Equity  ​

Shared ownership offers an alternative route to homeownership for many in Maidstone. You buy a share of your home, pay rent on the rest, & increase your ownership over time. We explain staircasing, eligibility, & the differences between shared ownership & equity schemes, making the process simple & stress-free.

Adverse Credit Mortgages  ​

Bad credit doesn't have to rule out buying a home. If you've had a CCJ, defaults, or been previously bankrupt, there are still specialist lenders willing to help.

We guide you through the criteria, what conditions may apply, & how to rebuild your credit. At Mortgage & More, honesty & discretion come first.

New Build and
Self-Build Mortgages 

Buying a new build or planning a self-build in Maidstone? There are specific mortgage deals for you, with unique rules about deposits, valuations, & loan-to-value.

We'll explain in plain English how these differ from standard mortgages, & help you steer clear of pitfalls.

Specialist Lending  ​

Some clients don't fit traditional categories, that's where specialist lending comes in. From bridging finance to development loans, our team knows the options & the right questions to ask.

We explore these personalised solutions openly, so you're never left in the dark.

 

 

Mortgage Interest Rates Explained

Understanding how mortgage interest rates affect your repayments is crucial. With a fixed-rate mortgage, your interest & monthly payments stay the same for an agreed term, this can make budgeting simple. Variable rates, meanwhile, change when your lender alters their rate, so your payments could go up or down.

Some mortgages track the Bank of England's base rate, which is set monthly, while others come with discounts or even caps that limit how high your payments can go. At Mortgage & More, your local mortgage brokers in Kent, we break down these details for you in plain English, so you can make an informed decision based on what works for your life & plans.

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Ready for Simple Mortgage Advice?

Choosing the right mortgage doesn't have to be confusing or stressful. With Mortgage & More, you'll always get regulated, honest guidance in a language you understand. Whether you're a first-time buyer, moving home, or need specialist independent mortgage advisors, we're here to help you make clear and confident choices. Want to know your options?

Get mortgage advice online or call us on 01634 235132 to book your free mortgage consultation today. For more details, browse our Guides or contact us. 

 


 

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOANS SECURED AGAINST IT. 
THERE MAY BE A FEE FOR MORTGAGE ADVICE, THE PRECISE AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES, OUR TYPICAL FEE IS £395 

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Mortgage and More is Authorised and Regulated by the Financial Conduct Authority. The Financial Service Register Number is 651274

The Financial Conduct Authority does not regulate some forms of Buy to Lets.

There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

Mortgage and More is a Limited Company. Registered Address: Mortgage and More; 9 Balas Drive, Siitingbourne, Kent. ME10 5AS Registered in England and Wales under number 06437752

We always aim to provide a high-quality service to our customers. However, if you encounter any problems, in the first instance please write to the registered address above, email or call Mortgage and More outlining your complaint, if we are unable to resolve this, you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm).

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Some calls maybe recorded for training and monitoring purposes.