Independent Mortgage Advisers in South London & Kent
Whether you're buying your first home, moving, remortgaging or investing in property, our independent mortgage advisers are here to help.
Based in Bromley, we provide personalised mortgage advice across South London and Kent, with access to the whole mortgage market.
Local Mortgage Advice From Our Bromley Office
Our Bromley-based mortgage and protection adviser, Sarah Chatfield, helps clients across South London and Kent navigate the mortgage process with clear, straightforward advice.
From Beckenham, Chislehurst and Orpington to Sevenoaks and the surrounding Kent towns, Sarah understands the local property market and the different challenges buyers and homeowners can face.
Whether you'd prefer to meet at our Bromley office or speak over the phone or by video call, Sarah will take the time to understand your circumstances and help you explore your mortgage options.
Our Bromley Office:
33 Masons Hill, Bromley BR2 9HD
Face-to-face appointments available by arrangement.
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Your Local Mortgage Advice Across South London & Kent
Our mortgage advisers support clients across South London and Kent, with a local office in Bromley for those who prefer face-to-face appointments.
Some of the areas we regularly cover include:
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Bromley Borough: Chislehurst, Beckenham, Orpington, Hayes, Shortlands, Bickley, West Wickham, Petts Wood, Keston, Downe, Biggin Hill, Chelsfield and Penge.
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South London: Croydon, Bexley, Sidcup, Southwark, Lewisham, Greenwich, Sutton, Merton, Lambeth, Wandsworth and Crystal Palace.
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Kent: Swanley, Sevenoaks, Tonbridge and Tunbridge Wells.
We're not limited to these locations. Our advisers can also help clients elsewhere in the UK by phone or video call.
Specialist Mortgage Advice in South London & Kent
Mortgage advice isn't just about buying a home. We also help clients with remortgaging, buy-to-let investments, Shared Ownership, commercial mortgages and more complex borrowing requirements.
Whether your circumstances are straightforward or a little more unusual, we'll help you explore the options available.
investments, shared ownership schemes, commercial finance, and more complex lending requirements across South London and Kent.
Buying & Living (Residential)
With its excellent schools, green spaces, and fast links into Central London, South-East London and Kent are two of the most sought-after places to live in the commuter belt. Whether you're buying your first flat, upsizing for a growing family, or relocating to the area, we'll help you find the right mortgage solution.
Getting onto the property ladder in and around London can feel challenging, especially with rising property prices and competitive local markets. Our mortgage advisers explain everything clearly, from deposits and affordability to securing your Agreement in Principle and making a strong offer.
Whether you're moving from a flat in Beckenham to a family home in Chislehurst, relocating to Petts Wood for the schools, or simply looking for more space, we'll help manage the mortgage process and keep your move on track.
When your fixed-rate deal comes to an end, it's important to review your options. We compare mortgages from across the market to help you avoid moving onto a higher standard variable rate and potentially reduce your monthly payments.
Shared Ownership can be an excellent route onto the property ladder for many buyers with smaller deposits across South London and Kent. Our advisers will guide you through the process, helping you understand eligibility, affordability, and the mortgage options available.
Investment & Business Finance
Whether you're an established business owner, an investor, or a first-time landlord, we'll help you find the right lending solution.
Holiday Let Mortgages
If you’re buying a holiday cottage or Airbnb in Kent (or anywhere else in the UK), a standard Buy-to-Let mortgage won't work here. We access specialist lenders who accept holiday rental income.
From accidental landlords to portfolio investors, our mortgage brokers can help make the most of your investment in the local rental market.
Whether it’s a ground-up build or renovating an older property, we can help find the funding to get spades in the ground.
Fast, short-term lending to secure a property at auction or bridge a gap in mortgage funding.
Complex Income & Specialist Mortgage Advice
The high street banks often say "no" to non-standard income. Our mortgage brokers know the lenders who say "yes."
Do you run a seasonal business or freelance in the creative sector? Well, we know how to present your income clearly to maximise your borrowing.
Whether you are an agency nurse, a remote IT worker, or on a fixed-term contract, our mortgage advisers find lenders who understand your income structure.
Do you want to buy a new home but keep your current property as a rental investment? We can arrange the simultaneous financing to make it happen.
Protecting What Matters
It’s not just about the bricks; it’s about the lifestyle you are building here.
We can help you consider suitable protection options, such as life insurance and critical illness cover, to help protect your household financially if the unexpected happens.
Not sure what this is? Check out our Protection page.
Meet Sarah Chatfield– Our Lovely Mortgage Broker based in Bromley
"Helping people buy a home is one of the most rewarding parts of my job. Whether you're stepping onto the property ladder, moving to your next home, or investing for the future, I enjoy making the mortgage process feel simple, straightforward, and stress-free.
Having grown up in Tunbridge Wells and later relocated to Bromley, I understand the local area, property market, and communities that make South East London and Kent such great places to live."
Sarah is friendly, approachable, and passionate about helping clients navigate the mortgage process with confidence. She works with first-time buyers, home movers, landlords, and remortgage clients, taking the time to explain every step clearly, answer questions honestly, and find solutions tailored to each client's circumstances.
Known for her personal approach and attention to detail, Sarah believes that mortgage advice should be straightforward, jargon-free, and centred around what matters most to you. Whether you're buying your first home in Bromley, moving within South East London, investing in a buy-to-let property, or refinancing your current home, she'll be with you every step of the way.
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Loves helping: People who think they can’t get a mortgage (you often can!).
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Availability: Happy to chat in the office, over the phone, or via video call.
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Local Connection: Works closely with local estate agents, solicitors, and property professionals across Bromley, Beckenham, Chislehurst, Orpington, Petts Wood, and the wider South East London and Kent area.
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Our Promise: No call centres. You get a direct mobile number for your dedicated mortgage broker.
“Sarah made the process of buying our first home far smoother than we anticipated. Her guidance was clear throughout, and she addressed every question with genuine patience. As first-time buyers, we could not have hoped for better support.”
"Sarah helped me secure my first BTL mortgage when I genuinely didn't think it would be possible. She took the time to understand my situation, explained everything clearly and found a solution where other brokers I spoke to couldn't."
Take a look at our other 5* reviews
Mortgages in South London and Kent: What’s Different Here?
Every property market has its quirks. Here is what you need to look out for:
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High Demand and Competitive Property Prices
South-East London and Kent cover a wide mix of property markets, from busy London boroughs such as Bromley, Bexley, Sidcup and Beckenham, through to popular Kent towns like Sevenoaks, Tonbridge and Tunbridge Wells. Demand can be strong, especially near good schools, transport links and commuter stations.
This means buyers often need to move quickly, understand what they can realistically afford before viewing, have their mortgage agreement in principle ready to prove they're serious contenders. We’ll help you get prepared early, so you can make confident offers and avoid delays once you find the right property.
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Commuter-Belt Considerations
Many buyers in South-East London and Kent want to balance lifestyle, space and commute times into London. Properties close to mainline stations, Tube connections, or strong bus routes can command higher prices, and lenders will look closely at affordability, deposit size and monthly commitments.
We understand the local commuter-belt market and can help you compare mortgage options; whether you're buying in South London, moving further into Kent, upsizing for more space, or relocating for better schools and family life.
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Varied Property Types & Valuation Challenges
The area has a broad range of property types, including Victorian terraces, older period homes, ex-local authority flats, converted houses, and new-build apartments. Some properties may come with lender concerns, such as short leases, high service charges, cladding, unusual layouts, flood risk, or non-standard construction.
We know which lenders are more flexible with different property types and can guide you through the process, before you spend money on surveys, legal work or valuations. Our aim is to help you avoid surprises and find a lender that fits both you and the property.
Frequently Asked Questions
Can I meet a mortgage adviser in Bromley?
Yes. Sarah is based at our office at 33 Masons Hill, Bromley, close to Bromley South station. She offers face-to-face appointments, as well as mortgage advice by phone or video call. Please contact us first to arrange a convenient time.
Do you charge a mortgage broker fee?
Our initial mortgage research and obtaining a Decision in Principle are free.
If you decide to proceed with a mortgage application, our fees depend on the type of mortgage and the work involved. We'll explain any fees clearly before you commit, so you know exactly what to expect.
Can I get a mortgage if I'm self-employed or a contractor?
Yes, it's possible to get a mortgage if you're self-employed or working as a contractor, although lenders can assess your income differently.
Some lenders use an average of your earnings over two years, while others may consider your latest year's figures, salary and dividends, or contract income.
We'll look at how you're paid and help identify lenders whose criteria suit your circumstances.
Can you help me get a mortgage on a leasehold flat?
Yes. We can help with mortgages on leasehold flats, including purpose-built flats and property conversions.
Lenders will consider factors such as the remaining lease term, service charges, ground rent and, where relevant, the building's construction and fire safety documentation.
We'll help you understand what lenders are likely to look at before you commit to a purchase.
Can I keep my existing mortgage if I'm moving from London to Kent?
Possibly. If your mortgage is portable, your lender may allow you to transfer your existing deal to a new property, subject to their lending criteria and affordability checks.
If you need to borrow more, the additional amount may be on a different interest rate. We'll compare the cost of porting your mortgage with arranging a new one, including any early repayment charges.
Can you help if I'm buying a property that needs renovating?
Yes. The mortgage options will depend on the condition of the property and the extent of the work required.
Some properties can be purchased with a standard residential mortgage, while those needing significant renovation may require specialist lending or short-term bridging finance.
We can help you explore the options before you make an offer.
Your property could be at risk if you do not keep up repayments on a mortgage, or any debt secured on it.