Mortgage Broker Gillingham

Book your Free Mortgage Consultation today

There's no need to wait days to speak to a mortgage lender direct when you can get a FREE  mortgage consultation with our Mortgage Advisor today who has access to the whole of the mortgage market and the best mortgage rates.

 
I agree to Terms and Privacy Policy
Green Tick
Green Tick
Green Tick
Green Tick
Green Tick
Free Mortgage Consultation*
No need for Face to Face meeting
Available 8am to 7pm
Bespoke Mortgage Rates**
We handle the whole  Mortgage Process
* Terms and Conditions apply
** Not available when applying direct with the mortgage lender
Proud of our Reviews
SAM Conveyancing Reviews
Fast Mortgage Applications with SAM Conveyancing
calc.png

Use our
Mortgage Calculator

Our Mortgage Broker Guide to getting a mortgage in Gillingham

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Gillingham Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

Lower your credit utilisation ratio

The credit utilisation ratio is how much credit you've taken up as a portion of how much credit you've been offered. Your credit score will generally rise the lower this ratio is. As a general rule, you should always keep the ratio below 50% overall and considerably lower if possible.

If you have more than one credit card you should also be aware of the utilisation ratio overall and per card, because credit reference agencies take all the measure into account.

Capped Rate Mortgage

Capped rate mortgages are variable rate mortgages with an agreed cap on how high the rate – and therefore your repayments – can rise.

The rate can fall, meaning your payments become cheaper, and cannot rise above a certain agreed level, making it easy for you to budget and more predictable.

You should be very clear about whether you can afford to make the repayments at the level of the cap, which might be set quite high and the interest rates offered may be less competitive than for other variable and fixed rate mortgages.

Capped rate mortgages may also be for a particular fixed time period and if they are, you may have to pay a large sum if you choose to leave early.


Gillingham is a town in the Medway unitary authority in Kent in South East England and is around 30 miles east south-east of Central London. It has a strong maritime association. Landmarks and attractions include the Royal Engineers Museum, the Priestfield Stadium (Gillingham Football Club's home ground) and the Strand Leisure Park.

Property Price Stats for Gillingham


Average property price in Gillingham£216,716
% Change compared to last year13%
Population of Gillingham104,157 (2011)


The property price data is sourced from  the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >>Land Registry
 

Mortgage Broker Gillingham - Recently Completed

  • Cavendish Avenue, Gillingham, Medway ME7 2NN
  • 22 Windsor Court, Gillingham, ME7 4PQ
  • 116 Marshall Road, Gillingham, Kent, ME8 0AN
  • 114 Hawbeck Road, Rainham, Gillingham, Kent, ME8 9UY
  • 12 Twydall Green, Gillingham ME8 6JY

Local High Street Banks in Gillingham

Mortgage Broker in and around Gillingham

Our Gillingham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including St Mary's Island, Chatham, Upnor, Rainham, Darland, Shorne and Hempstead.

Which banks are local to you?


  • Lloyds - 106-108 High St, Gillingham ME7 1AX
  • Barclays - 89-93 High St, Rainham, Gillingham ME8 7HS
  • HSBC - 87 High St, Gillingham ME7 1BP

Book a Free Mortgage Broker Consultation
Access to the whole of the mortgage market
Appointments available today
Best first time buyer mortgage brokers
Find a Home Mortgage

Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

Best Mortgage Advisors

FREE mortgage consultations for Gillingham

Mortgage Brokers Gillingham offering free first consultation (terms apply).

Access Mortgage Providers Quickly

Fast mortgage appointments

With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

Independent Mortgage Broker

Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Gillingham Mortgage Broker Insider Tips

Buying a leasehold property? Request your vendor to get their management information pack when your offer is accepted.

Your solicitor needs to examine the leasehold management information very carefully as it deals with matters like service charges and how well the freehold has been run. 

Very frequently the freeholder or managing agent may take weeks to compile and return the material which may form the basis of enquiries from your solicitor which in turn need to be answered.

Click to find out more about the Management Information Pack

Click to get your FREE Conveyancing Solicitors Quote
Fixed Fee – No Sale No Fee – On all Major Lender Panels