How much can I borrow as a first-time buyer?

Most lenders offer between 4 to 4.5 times your annual income, depending on affordability and credit status.

What deposit do I need for a buy-to-let mortgage?

Most lenders require at least a 25% deposit, though some accept 20% depending on the deal.

When should I remortgage?

You can remortgage up to six months before your current deal ends. This helps avoid moving onto a higher variable rate.

Can I combine multiple pensions?

Yes, combining pensions is often possible, but it depends on the type of pension and whether there are any special benefits attached.

Do I need a licence for an HMO in Chislehurst?

Yes, if your HMO has 5 or more tenants, you’ll usually need a licence from the local authority. Smaller HMOs may also require one depending on location.

Can I get a commercial mortgage as a limited company?

Yes, many lenders support commercial property purchases via limited companies, subject to credit and affordability checks.

Am I too young for equity release?

Most equity release plans require you to be at least 55 years old, and the older you are, the more you can typically release.

How fast can I get a bridging loan?

Bridging loans can often be completed in 5 to 14 days, depending on the property and legal process.

What types of protection cover are available?

Common types include life insurance, critical illness cover, and income protection — each offering different levels of financial security.

Contact Us

📞 Get in Touch with a Local Chislehurst Mortgage Specialist

Have questions about your mortgage options in Chislehurst? Whether you’re remortgaging, investing in property, or exploring equity release — we’re here to help.

Use the form, request a callback, or call us on 01689 478 029. We’ll take the time to understand your situation and point you in the right direction.

We support homeowners, landlords, and families across Chislehurst, Elmstead Woods, and the surrounding BR7 area. Whatever stage you’re at — let’s talk.

Using a mortgage calculator is a crucial step in your home buying or remortgaging journey. It provides you with essential information to make informed decisions and plan your finances effectively. Our mortgage calculator is designed to be user-friendly, accurate, and comprehensive. We are committed to helping you find the best mortgage solution tailored to your needs. Visit our mortgage calculator page today to get an instant mortgage quote and take the first step towards securing your dream home.

REQUEST A CALL BACK

Please feel free to complete our form and one of our friendly team will happily contact you.

Thank you James for your efficient dealing of our remortgage. The regular communication and easy to follow steps of what you needed or what was outstanding, really helped me, as I had 4 mortgages happening at the same time.

Phil West

James worked tirelessly to get us over the line with a complicated commercial BTL mortgage. Highly recommend.

Paul H

They worked on a recent mortgage for my company and we were very pleased with the result. They managed to jump through a number of hoops caused by our slightly unconventional deal and pulled together a solution better than our expectations. Will be using again!

Luke Silk

Excellent experience when financing a buy to let auction property through James and the team were excellent to deal with and guided us through the whole process with no stress what so ever! Beths knowledge and professionalism is second to none!

Cath Jones

Mortgage Broker Chislehurst is an introducer service. We are not authorised or regulated by the Financial Conduct Authority and do not provide mortgage advice directly. All enquiries are handled by qualified, FCA-regulated mortgage advisers who offer tailored advice based on your individual needs.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

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Mortgage Broker Chislehurst