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.

Blogs

Latest Blogs

Uncategorized

Why Chislehurst Remains a Strong Location for Buy-to-Let Investors in 2025

July 10, 2025 No Comments

Uncategorized

Releasing Equity in Chislehurst: What Homeowners Need to Know

If you’re a homeowner in Chislehurst, chances are your property has seen significant growth in value over the past decade

July 10, 2025 No Comments

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