Mortgage brokers in Kent

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Convenience
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Mortgage brokers in Kent: Rely on our friendly team

Our team at Conran Mortgages has been serving customers in Kent for decades. With Kent’s array of architecturally stunning properties, we find it rewarding to secure the best mortgages rates for prospective homeowners. As independent mortgage brokers in Kent, it’s a standard that our traditional mortgage services come fee-free.

Whether you’re a first-time buyer, next-time buyer or a buy-to-let investor,, our honest and stress-free approach will put you at ease. We offer whole-of-market choice, guaranteeing a mortgage lender that will suit your requirements. For more information about how we can help you obtain a mortgage in Kent, contact our experienced team on 020 8528 2251.

Decades of knowledge:
Tap into our expertise

Our team has been serving Kent customers for decades, meaning we know how the industry has changes and develops over time. We keep up with these nuances, ensuring we provide the most reliable advice in the area. Contact us on hello@conranmortgages.co.uk or complete our contact form.

Your mortgage
adviser in Kent: Wondering how it works?

All you need to know is that we get the job done. As independent mortgage brokers in Kent, we’re not affiliated with specific lenders, meaning we can explore whole-of-market choices. This allows us to authentically source the best rates for your situation. We handle the difficult parts for you, ensuring that a stereotypically stressful process is one approached logically and calmly. All you have to do is connect with our professionals – we handle it from there.

Fee-free mortgage advice in Kent

You heard us, all our traditional mortgage advice comes fee-free*. We love providing our customers with cost savings that are so valuable when purchasing a home! Doing the right thing by our customers is part of why we do what we do – we’ve spent decades building up excellent working relationships, and we find that people often come back to us for our sound advice.

Kent mortgage brokers you can trust

Mortgages can seem intimidating, but that’s why we strongly recommend talking through your situation with one of our experienced team. Our advice is comprehensive, including:

Pre-approvals
Refinancing
Debt consolidation
Home purchases
Remortgaging
Investment mortgages
Specialist later life mortgages such as Equity Release

We tailor our suggestions to the specific area in Kent that you are looking to buy in, and dedicate ourselves to finding the right mortgage provider for you.

First-time buyer mortgage services

When navigating the house-buying process for the first time, you can find yourself getting overwhelmed. At Conran Mortgages, we alleviate the pressure and work with our huge network of lenders, including, but not limited to,HSBC, NatWest, Santander and Halifax, to find the best fit.

Remortgage services

We can source lower rates for those paying a Standard Variable Rate (SVR) or soon to be coming off a fixed rate. This could result in lower monthly payments, and you may be able to access additional funds whilst reducing your mortgage term length.

Buy-to-let mortgage services

If you’re looking to invest in a BTL, Kent is a picturesque choice. Whether purchasing through special purpose vehicles (SPVs) or in your sole name, we have the resources and the knowledge to help you make an informed decision.

Keep up to date with industry developments: Read our blog

Require consultancy on a later life mortgage? Contact us

One of our specialties is later life mortgages. There are so many benefits, and we have witnessed countless customers thrive after having gone through the process. Call us on 020 8528 2251 or email hello@conranmortgages.co.uk to find out more.

We’re a phone call away

Equity release in Kent: Seamless services

Out of the hubbub of the central city, Kent has a sizeable over-55 demographic. If you fall within this, you may consider equity release. Releasing equity can be a great way to ensure you enjoy your retirement years with a little more freedom. We will thoroughly assess your financial situation – equity release isn’t something that can be approached with a standard solution. This is a bespoke process that will be tailored to your circumstances.

Would you like to know more about equity release?

What is equity release?

The word ‘equity’ means the value of your home minus any remaining mortgage or additional loans against it. The equity of your property can either be passed onto your beneficiaries as inheritance after death, or you can release the equity to you to ensure you have easeful retirement years.

Are you eligible for equity release?

There are three main things to keep in mind with equity release – these may affect whether you are eligible:

You are aged 55-95
You own your property
The property is mortgageable

Call us for equity release services without the stress

Sometimes, people make a quick conclusion about equity release, but our experts can tell you all the benefits it could provide you with. We will also explain in detail the negatives of Equity release to allow you to make an informed decision. Call us on 020 8528 2251 or email hello@conranmortgages.co.uk to discover the possibilities.

Get in contact

What are your options?
Lump sum vs drawdown

Lump sum lifetime mortgage

A lump sum mortgage releases a tax-free lump sum, on which interest is compounded and added to the mortgage capital. This is known as ‘rolled-up’ interest. This lump sum can be used however you would like.

Drawdown lifetime mortgage

This method is slightly different – you will still receive an initial lump sum, and you will also have to apply for a drawdown facility. This allows you to ‘drawdown’ the remaining cash in stages. Interest only applies once you have withdrawn the cash, so it compounds more slowly.

What is included in both plans?

Downsizing protection

Subject to criteria you can repay the loan without penalty. You will then be able to mortgage a smaller property.

Inheritance protection

Protect a portion of your property’s equity to guarantee a certain inheritance for your loved ones.

Partial capital repayments

You may consider this if there’s a future investment that matures, or if there is inheritance. Capital repayment can be up to 15%.

Interest-only payment

Paying interest monthly can ensure that the interest doesn’t compound.

Enhanced

A higher percentage loan-to-value could be released if you or your partner has long-term health issues. This could include heart issues, high blood pressure, or diabetes.

Fixed for life interest rate

A fixed for life interest rate can guarantee the amount of interest you pay, whether this is monthly or compounded. This can give people peace of mind over their outgoings.

Is negative equity possible?

As the experts, one thing we would really recommend would be a product which is ‘Equity Release Council (ERC) Approved’. This guarantees that there will be no negative equity – there won’t be any debt left to beneficiaries once your property needs to be sold.

Prioritising our customers:
Excellent equity release advisers in Kent

Our Kent customers have benefitted so much from discovering more about equity release. Take a look at what they have to say.

I used Jeff & Val to do my mortgages and Later Life/Equity Release mortgage. They were superb and highly efficient. I now have a stress-free life. Thanks so much guys, you don't know how much you have changed my life and assisted me living a stress-free retirement x

I’ve had an excellent experience working with Jeff and Valerie. As a first-time homebuyer, I’ve had many questions and uncertainties, but they have been incredibly helpful throughout the process. They provided thorough and clear information, patiently answered all my questions, and responded to my emails promptly. Their professionalism has made what could have been a stressful experience much easier. I highly recommend Jeff to anyone looking for a knowledgeable and reliable broker.

I consulted Simon Hughes the MD regarding Equity Release and Lifetime mortgages as I needed professional advice on how best to raise additional capital from the equity in my property. This process also involved the potential redemption of an existing mortgage from my bank.

At all times during our discussions Simon acted with the highest level of professionalism, ensuring that all possible alternative avenues were explored and that the timing of any new arrangement was right for me.

He was patient at all times during our discussions and never pressured me to make my decision whilst keeping me periodically updated on changes in the economy at large and the market to ensure I found the best option to meet my needs.

Simon brings a wealth of experience into the advice process and I have now completed the re-mortgaging exercise.

I would have no hesitation whatever in recommending Conran Mortgages to anyone in my position.

Call our team of mortgage brokers in Kent

Our years of knowledge simplifies the process for you – we’re confident we can give you the right advice. Call us on 020 8528 2251 or email hello@conranmortgages.co.uk.