Mortgage broker for Kent

Count Ready is based in Chelmsford. We handle Kent mortgage enquiries by phone and online and do not have a branch network across the county. Discuss the appointment format before making arrangements. Face-to-face meetings may be possible in some circumstances; confirm the location and availability before travelling.

Describe the household, expected deposit, income, commitments and a monthly payment you could manage. Include travel, childcare, property charges and buying costs. Explain the type of home and any work you expect to undertake. An initial borrowing discussion can help with planning, but the applicants and chosen property still need assessment.

Start with the full postcode and identify the relevant authority. Kent County Council directs household planning enquiries to the borough or district council; its own application search covers county matters. For a Medway address, use Medway’s planning service. Confirm the correct route for the actual site, including any special planning arrangements, rather than relying on the county name.

Give the adviser an accurate description of its layout, construction, use and condition. For a flat, obtain lease and charge information, including planned works. For a conversion or altered home, ask the conveyancer about approvals and completion records. Explain shared access, private services, land or outbuildings where relevant. The checks required depend on the particular property.

No. The official service gives area flood information and does not predict whether an individual home will flood. Discuss the property’s history, survey and legal findings, as well as the insurance position. The lender and insurer assess their own requirements. A county-wide description or one map result does not establish acceptance.

Yes. Explain how each applicant is paid, the records available and any recent changes. Distinguish a company’s income from the director’s personal pay, and describe contract arrangements where relevant. Include your current UK residence permission and credit history. The evidence needed and options considered depend on the full circumstances and lender assessment.

Bring the existing balance, payment, rate, remaining term, product end date and early repayment charges. Include any equity loan or other secured borrowing. Explain the sale and purchase dates, the funds needed and any changed income or commitments. Discuss eligible current-lender and different-lender arrangements using the same comparison period and full costs.

Check the council responsible for the property and describe the actual occupation, households and proposed use. HMO licensing and other local requirements need an address-specific check. Planning, building control, tenancy obligations and the mortgage agreement are separate considerations. Neither a finance discussion nor a licence confirms that all other requirements have been met.

The first discussion is free. We usually charge £595 on mortgage offer and may receive commission from the lender. Our Terms include a £199 processing fee where applicable. For standard mortgage applications by visa holders living in the UK, the £595 offer fee is the only broker fee and no separate processing fee applies. International or specialist cases may differ. Agree the written fees, payment stages and refund terms before chargeable work.

Yes. For shared ownership, discuss provider eligibility, the lease, rent and charges alongside the mortgage on your share. Help to Buy: Equity Loan in England is closed to new applications; existing borrowers should explain their equity loan when changing the mortgage or selling. Protection and property insurance enquiries should reflect household needs, existing cover and the home’s actual use, subject to the insurer’s terms.