Your Mortgage Specialists
Based in Sevenoaks, Kent, serving clients throughout London and the whole of the UK
How Momentum Mortgages Can Help You
Momentum Mortgages are mortgage brokers, we specialise in helping self-employed individuals secure a mortgage.
We specialise in helping the following types of self-employed individuals:
We also assist a wide range of clients, including:
Why choose Momentum Mortgages?
Our deep understanding of the financial landscape faced by self-employed individuals allows us to provide tailored advice and solutions.
We have access to a wide range of lenders, ensuring you get the best possible deals and terms.
Our dedicated team will work closely with you to understand your specific needs and goals, providing personalized guidance throughout the mortgage process.
We strive to secure the most competitive rates and flexible terms.
Contact us today for a no-obligation initial consultation. Our friendly team is available to answer your questions and provide expert advice.
Hi my name is Stephen Dickinson and I am the Managing Director of Momentum Financial Services, I have lived in Sevenoaks for the past 11 years with my wife Vicky and my two boys. I started in Mortgage advice back in 2017 for Your Move Financial Services and then started Momentum Mortgages in 2020. My skills lie in more complex mortgage cases and in particular mortgages for self-employed business owners I particularly excel at. In my free time I like spending time with family and gardening!
Hi my name is Dan Tasker and I am one of the Directors of Momentum Financial Services. I am a mortgage and protection broker whilst also looking after the regulatory compliance and accounting for the business. Before qualifying and changing industry, I was previously an management accountant for a vehicle manufacturing group. In my free time I enjoy spending time with my family and the occasional trip to the gym.
I’m Jess, the Group Finance Manager for Momentum. I look after all things finance across the business — from managing budgets and forecasting to keeping everything running smoothly behind the scenes. I’m passionate about ensuring the company’s finances are strong and sustainable, supporting the wider team as we continue to grow.
I’m David, the Compliance Manager here at Momentum. My role is to make sure everything we do meets the highest regulatory and ethical standards. With years of experience in mortgage and protection compliance, I’m passionate about creating a culture where doing the right thing is second nature. Based in Kent, I work closely with our advisers to ensure our clients always receive advice that’s clear, fair, and fully compliant.
Hi, my name is Gill Armstrong and I support the Mortgage Brokers with setting appointments, collating and inputting documents & information and assisting clients. I live in Sevenoaks and I work part time at Momentum Financial Services.
Hi my name is Darius Stonkus and I am a mortgage and insurance broker for Momentum Mortgages, I am based in Bromley. I love helping people get what they need, my specialties are company directors and sole traders, and if you had a credit blip, don’t fret I am here to help.
Hi, my name is Ian Hewett and I am known as The Bearded Mortgage Broker. I am the business and development manager at Momentum, here to look at building partnerships with businesses that are looking for support with their financial service needs. I am also going to continue broking for my existing client base and connections. In my spare time I help manage events with ex-sporting stars and time with my wife and daughter.
Hi, I’m Julian, a Mortgage and Protection Adviser at Momentum. I’m CeMAP qualified and love helping people find the right mortgage and protection solutions for their needs. Whether it’s a first-time buyer, a remortgage, or a complex case, I pride myself on making the process simple and stress-free.
I’m based in the UK and work with clients across the country, always aiming to deliver straightforward advice and great service.
Momentum Mortgages FAQs
General Questions
We offer a wide range of mortgage products, including residential mortgages, commercial mortgages, buy-to-let mortgages, bridging finance, and development loans.
We are based in Sevenoaks, Kent. However, we serve clients throughout London and the rest of UK.
While we specialize in mortgages for self-employed individuals, we also help a variety of clients, including employed individuals, first-time buyers, home movers, and remortgages.
Self-Employed Mortgages
We can help freelancers, contractors, sole traders, partnerships, and limited company directors.
Typically, you’ll need to provide the following;
Yes, we can often help clients with fluctuating incomes. We’ll assess your overall financial situation to determine your eligibility.
Other Mortgage Types
A: Bridging finance is a short-term loan that can help you bridge the gap between selling your current property and purchasing a new one.
Common uses:
A: A development loan is a specialized type of loan designed to finance property development projects. Whether you’re planning to build a new property from scratch, convert an existing building, or refurbish a property, a development loan can provide the necessary funds.
Key features:
A: While it may be more challenging, we can sometimes help clients with less-than-perfect credit histories. We’ll assess your overall financial situation to determine your eligibility.
A: The application process can vary depending on individual circumstances and the lender’s requirements. However, we strive to provide a quick and efficient service.
A: Yes, we can help retired individuals secure a mortgage. The eligibility criteria will depend on various different factors including your income and savings, we can let you know whether we can assist in our initial mortgage consultation.
A: The amount you can borrow will depend on various factors, including your income, credit history, and the property’s value. Lenders typically assess your affordability and loan-to-value (LTV) ratio to determine how much you can borrow.
A: There are various fees associated with getting a mortgage, including arrangement fees, valuation fees, and potentially broker fees. We can go through all the fees applicable in our initial consultation with you.
A: If you’re unable to make your mortgage payments, it’s important to contact your lender as soon as possible to discuss options. Failing to make payments can lead to repossession, which means the lender can take ownership of the property.
Additional Questions
A: There are a variety of mortgage deals available, such as fixed rate mortgages, tracker rate mortgages, discount rate mortgages and more, we will make sure to do a comprehensive review of your individual circumstances and ensure you understand all of the options available before making a tailored recommendation on the most suitable mortgage for you.
A: The minimum deposit you’ll need for a mortgage will vary depending on the lender and the type of mortgage you choose. However, most lenders require a minimum deposit of 5% or 10%, but there are a few lenders that will take deposits as low as £5000.
A: In some cases, you may be able to get a mortgage with a guarantor. A guarantor is someone who is liable for the mortgage payments, and generally we use guarantor’s when someone does not have enough income to pass affordability on their own and we need additional income to boost your affordability to the required level.
If you have any further questions, please don’t hesitate to contact us.