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Mortgage Broker Tunbridge Wells

Welcome to Momentum Mortgages – your local mortgage broker Tunbridge Wells-based mortgage specialist

Based in and with offices around Sevenoaks, Kent – we are serving clients throughout London and the whole of the UK

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Mortgage Broker Tunbridge Wells | Momentum Mortgages - making the mortgage process simpler

The Mortgage Process: A Step-by-Step Guide​

Buying a home, especially when you’re self-employed, can seem daunting. But with the right guidance, it can be a smooth and rewarding experience.

Here’s a breakdown of the mortgage process:

  • We’ll start by getting to know you, your financial situation, and your goals.
  • We’ll discuss your income, expenses, and credit history to get a clear picture of your affordability.
  • We’ll answer your questions and explain the different mortgage options available to you.
  • We’ll help you gather all the necessary documents, such as proof of income, bank statements, and identification. You can then upload these to our easy to use and secure portal.
  • Based on your initial consultation, we’ll help you secure an Agreement in Principle (AIP) from a lender.
  • This shows how much you can potentially borrow, giving you a realistic budget for your property search.
  • With your AIP in hand, you can confidently start searching for your ideal property.
  • We can help you understand the local market and connect you with reputable estate agents.
  • Once you’ve found your dream home and had an offer accepted, we’ll have another meeting with you to go through all the details about your mortgage, and what the next steps are.
  • We’ll review if we need any further documentation from you.
  • We’ll then put through your application to the lender, highlighting your strengths and addressing any potential concerns.
  • The lender will assess your application and instruct a valuation of the property.
  • We’ll liaise with the lender and valuer to ensure a smooth process.
  • If your application is approved, you’ll receive a formal mortgage offer.
  • We’ll carefully review the offer with you, explaining all the terms and conditions.
  • Once you’re happy with the offer, your solicitor will send you a mortgage deed to sign and return.
  • You’ll exchange contracts with the seller, making the purchase legally binding.
  • Finally, you’ll complete the purchase, receive the keys to your new home, and celebrate!

Throughout the entire process, we’ll be by your side, providing expert advice, answering your questions, and ensuring a stress-free experience.

Testimonials

"Michelle was absolutely brilliant. As a self-employed person, I was worried about getting a mortgage, but Michelle made the whole process so easy. She was always available to answer my questions and kept me updated throughout. I couldn't have asked for a better service."
Sarah B
"I cannot recommend Momentum Mortgages enough. They were fantastic in helping me secure a mortgage for my new business premises. Being self-employed, I thought it would be a nightmare, but they found me a great deal and guided me through every step of the process. Thank you!"
Mark P
"From the first phone call to completion, the service from Momentum was excellent. They were professional, efficient, and always happy to help. Highly recommended!"
Lisa W

Mortgage Broker Tunbridge Wells

Momentum Mortgages are your local mortgage broker and can assist with any mortgage requirements that you may have.

We can provide advice and guide you through the mortgage process whether you are –

Employed Individuals

Whether you're a full-time employee, part-time worker, or contract employee, we can help you find the right mortgage

First Time Buyers

We can guide you through the home-buying process and help you secure a mortgage that fits your budget

Home Movers

If you're looking to move to a new home, we can assist you with the mortgage process from start to finish

Remortgage

Whether you're looking to refinance your existing mortgage to lower your interest rate or release equity for home improvements, we can help

Momentum Mortgages

Buying a home can seem daunting. But with the right guidance, it can be a smooth and rewarding experience.

We are specialists and regularly help self-employed people find the right mortgage for them.

Freelancers

Artists, writers, designers, consultants, and other professionals who work independently.

Contractors

Individuals who are self-employed and provide services to businesses or organizations on a contract basis

Sole Traders

Business owners who operate as a single entity

Partnerships

Businesses owned by two or more people who share profits and losses

Limited Companies

Businesses that have a separate legal identity from their owners.
READY TO CONTACT US..

Momentum Mortgages

Your friendly, local, professional mortgage broker

Mortgage broker Kent