Independent Mortgage Broker in South London

Honest advice, zero jargon, and a lovely mortgage broker right here in Bromley. Whether you’re moving to the outskirts of London , escaping the hustle with a second home or holiday let in Kent, or taking your first step onto the property ladder in Croydon, we help you find your way home (without the headache).

Mortgage Advice That Actually Makes Sense

Buying a home in South London and Kent can give you the perfect balance of staying connected to The City, while enjoying a quieter, greener way of life in the area's most desirable neighbourhoods. But the mortgage process? Er, not quite so relaxing. That can feel a bit like navigating London's roads without a sat nav—stressful, confusing, and full of unexpected turns.

That’s where we come in. At Delta Mortgages, we’re the antidote to stiff banks and confusing comparison sites. You speak to a human (say hello to Sarah), and we search the whole market to find the deal that fits your life, not just a spreadsheet.

We are also very lucky to be right in the heart of the community. We have a lovely office right in the heart of Bromley town centre and 2 minute walk from Bromley South station, meaning you can get independent advice in a friendly and familiar setting.

Sarah Chatfield, our dedicated mortgage broker for South London and Kent, works directly from this office—offering face-to-face, independent mortgage advice right where you already feel at home. Tea and biscuits included!

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Your Local Mortgage Advice Across South London & Kent

Our mortgage advisers help people across the whole of South-London.

Here are the areas we support most often:

Bromley Borough - Chislehurst, Beckenham, Orpington, Hayes, Shortlands, Bickley, West Wickham, Petts Wood, Keston, Downe, Biggin Hill, Chelsfield, Penge
Croydon
Bexley & Sidcup
Southwark & Lewisham
Greenwich
Sutton & Merton
Lambeth & Wandsworth
Crystal Palace
Kent - Swanley, Sevenoaks, Tonbridge, Tunbridge Wells

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Get in touch to arrange a chat over a cuppa (and maybe a cheeky biscuit too...)

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More Than Just "Standard" Mortgages in South London

Most people think mortgage brokers simply help with buying a home. We do that too, but we also support clients with remortgages, buy-to-let 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.

First-Time Buyer Mortgages

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.

Moving Home

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.

Remortgaging

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

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.

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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.

Buy-To-Let Mortgages

From accidental landlords to portfolio investors, our mortgage brokers can help make the most of your investment in the local rental market.

Property Development Finance

Whether it’s a ground-up build or renovating an older property, we can help find the funding to get spades in the ground.

Bridging Finance

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."

Self-Employed Mortgages

Do you run a seasonal business or freelance in the creative sector? Well, we know how to package your accounts to maximise your borrowing.

Mortgages for Contractors

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.

Let-To-Buy

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.

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Protecting What Matters

It’s not just about the bricks; it’s about the lifestyle you are building here.

Protection & Insurance
We make sure you have the right Life Insurance and Critical Illness Cover so that if the worst happens, your family and your home are safe.

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.

Loves helping: People who think they can’t get a mortgage (you often can!).

Availability: Happy to chat in the office, over the phone, or via video call.

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.

Our Promise: No call centres. You get a direct mobile number for your dedicated mortgage broker.

Find out more about Sarah

"Sarah helped me secure my first BTL mortgage when I genuinely didn't think it would be possible due to my poor credit history. She took the time to understand my situation, explained everything clearly and found a solution where other brokers couldn't."

James, Bromley

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:

1 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.

2 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.

3 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 pop in to see your mortgage brokers in South London?

Yes! Sarah is based right by Bromley South train station. You can pop in for a chat, but it’s always best to book an appointment first so she can make sure the kettle is on.

Do you charge a mortgage broker fee?

We offer a fee-free initial chat to get to know you and see how we can help. If you choose to proceed with us, we do charge a broker fee for the research, application, and management—this will always be explained clearly upfront so there are no surprises. You can also head over to our Mortgage Broker Fees Explained for more details (we’re proper transparent, like)

Can you help with Shared Ownership Mortgages?

Absolutely. Shared Ownership mortgages are a fantastic way to get on the property ladder if high house prices and a low deposit are a barrier. We can walk you through exactly how it works and find lenders who support the scheme.