Mortgage Broker in Maidstone Kent
First Time Buyer Mortgages
Home Mover Mortgages
Buy to Let Mortgages
Adverse Credit Mortgages
Shared Ownership Mortgages
CIS Worker Mortgages
Self-Build Mortgages
Why use a mortgage advisor in Maidstone Kent?
Mortgage Advisor in Maidstone Kent
As independent mortgage advisors with over 20 years of experience, we have advised on all types of different personal circumstances and mortgage needs. Although aiming to provide an expert and professional service we also try and make it as personal and comfortable for you as possible. We are flexible in our approach and can meet either face to face, in your home or place of work, or virtually via a video call or simply over the phone.
We aim to work with our clients for the entirety of their mortgage and offer continued support in terms of mortgage renewals and additional borrowing as well as mortgage protection products such as life and critical illness cover plus many more types of cover.
Going directly to a lender and submitting your mortgage application yourself takes a lot of time and causes a lot of hassle, especially when you have other commitments so why not let us handle this for you? Also going direct is a traditional and outdated approach in terms of gaining mortgage advice for multiple reasons:
3 Simple Steps
Speak to a
PHLS expert
Firstly, connect with one of our mortgage and protection experts so that we understand what your requirements are. You can engage with us in a number of ways such as by phone, email or by filling out this form.
Affordability Assessment & Product Recommendation
After our initial contact we will then determine the precise amount, you can potentially borrow and recommend the most suitable and cheapest product available to you from the 90+ UK lenders we work with to suit your needs..
Mortgage Application & Mortgage Offer
Once ready we will submit your mortgage application and we’ll support you every step of the way from application to mortgage offer until completion day and beyond. Plus, we’ll handle all the paperwork, so you won’t have to lift a finger!.
Why use us?
PHLS Mortgage Services | Going Direct To Lender |
We have access to over rates from over 90 UK lenders and will shop around for the best deal | Access to their own products only |
We are available outside of working 9-5 hours including weekends | Available during business hours only |
We can meet you at your home or place of work or any other appropriate place to meet | You have to go to their branch only |
We have access to over rates from over 90 UK lenders and will shop around for the best deal | Access to their own products only |
We can approach the right lender to match your unique set of circumstances | Will turn you away and say a mortgage isn’t possible if you don’t meet their criteria |
We have access to over rates from over 90 UK lenders and will shop around for the best deal | Access to their own products only |
We are experts in the “unusual” such as adverse credit and contractor mortgages plus many more | It is very rigid and only deals with very straightforward or conventional applications |
We are experts in specialist lending such as buy-to-let and bridging loans plus many more | Only deal with straightforward purchases/remortgages |
Here to advise you through the whole process and can recommend other professionals such as conveyancing solicitors etc | Very transactional and once your application is submitted the conversation is over |
In terms of fees, we assess each case individually, but the fee will be no more than £500.
We will also receive a commission from the lender upon completion of your mortgage.
Latest reviews
EXCELLENT Based on 20 reviews molly boyd2024-12-06Trustindex verifies that the original source of the review is Google. Andy has been incredibly responsive and helpful during a time of uncertainty. As a first-time buyer, he clearly outlined the information I needed to provide and explained all terms in a way that I could easily understand. I would highly recommend him to anyone. Kirsty Christian2024-11-25Trustindex verifies that the original source of the review is Google. We have been using PHLS Mortgages ever since we brought our first family home and we honestly wouldn't go anywhere else. They are the friendliest family run business and Andy makes getting a mortgage seem such a breeze, we didn't have to worry about a single thing. Andy is extremely knowledgeable and always acts in our best interests, he finds the best rates, gives great advice and always provides a top notch service. I can honestly say, hand on heart you will not regret using them. Suzanne Parmenter2024-11-16Trustindex verifies that the original source of the review is Google. Happy to share our excellent experience with Andy at PHLS Mortgage Service. Very professional service provided whilst trying to find the right mortgage for our upcoming house move. Andy went through various options from early payments to over payments but most importantly finding the lowest rate suitable for our plans. If you're looking for an independent mortgage advisor I would recommend you speak to Andy at PHLS. Fantastic !! Cesena2024-11-04Trustindex verifies that the original source of the review is Google. Andy has been amazing at supporting us with a new mortgage for our new house. He has made the process super simple, and while we have been waiting for the house purchase to go through he has even kept on top of the market and secured us a better rate than the original offer. This house purchase has been challenging, and Andy has ensured the process of obtaining and extending our offer has been the least stressful part of the transaction by far! I can’t recommend Andy enough. Chloe Reading2024-10-22Trustindex verifies that the original source of the review is Google. Andy Thank you so much for all your help with sorting our mortgage, you have been amazing. Always in contact and keeping us informed. Always able to answer any questions or concerns. Made everything so easy and straight forward with no hassle Thank you 😊 Amy Jayne Aesthetics Limited2024-10-10Trustindex verifies that the original source of the review is Google. Beyond happy with the service I have received from Andy. Throughout this stressful ordeal Andy has been super supportive, understanding and informative. His knowledge is second to none, he’s quick to reply and the communication throughout has been amazing. Thanks Andy for getting me the mortgage I needed and for sorting out all the insurances I needed to keep my family safe. Highly recommend x Matt Groves2024-09-06Trustindex verifies that the original source of the review is Google. Andy has been brilliant throughout my process, was very patient when i wasn’t sure on what i wanted to do with my property, but never put me to the back of the line he was always quick with replying on email and would never disregard my calls! I felt i wasn’t just another customer when he took time out of his day to come and visit me and run through all my options and explained everything in depth. Would recommend PHLS services to anyone which i already have and looking forward to working with Andy on my next property Tom2024-07-27Trustindex verifies that the original source of the review is Google. Andy dealt with my mortgage and remortgage. For both I had a lot of questions and was exploring different mortgage options which changed throughout the process. He was patient and explained the different options clearly, keeping me updated throughout the process. Highly recommend. Zoe Spicer2024-05-29Trustindex verifies that the original source of the review is Google. After speaking to a couple of mortgage advisors in the past I am so glad we found Andy. We can’t thank him enough and recommend him to all of our family and friends. He is extremely reliable and efficient. Maria B2024-04-16Trustindex verifies that the original source of the review is Google. Andy helped us with our mortgage service..Took all the stress away from us and managed to get us a great deal..would highly recommend
Our services
First Time Buyer Mortgages
We specialise in guiding first-time buyers through the complex and often daunting process of purchasing your first home. By staying abreast of current market trends and government schemes, we provide invaluable insights that help you make informed decisions. We provide tailored mortgage advice, ensuring you find the best financial solutions for your needs. By demystifying first time buyer mortgage jargon and providing clear, practical advice, we empower first-time buyers to make informed decisions and confidently take the first step towards homeownership.
Home Mover Mortgages
We provide expert home mover mortgage advice to home movers, ensuring a smooth transition to your new property. Understanding that home movers often have different financial considerations than first-time buyers, we begin with a thorough review of your current mortgage, equity position, and financial goals. We assess whether porting your existing mortgage or obtaining a new one would be more beneficial, taking into account factors such as interest rates, fees, and repayment terms. By providing clear, practical advice and addressing any concerns about the financial aspects of moving, we ensure that home movers can make informed decisions and transition seamlessly to your new home.

Renewing your mortgage
Whether you are currently on a fixed rate, a tracker, or your lender’s standard variable rate we can shop around and compare the various products available to you from the numerous lenders in the UK we work with for you to renew your mortgage. By comparing what your current lender is offering you as an existing customer to what is available elsewhere in the market, we ensure your mortgage renewal is completed in time and on to the most cost-efficient mortgage product available to you and your circumstances.
Buy To Let Mortgages
Whether it is your first time in the rental property market or if you’re an experienced portfolio landlord we are experts in the buy to let mortgage market and have an expert understanding of the buy to let market. We guide clients through the complexities of buy-to-let mortgages, explaining factors such as rental coverage requirements, interest rates, and the differences in Limited Company vs Personal name buy to let. With our specialized knowledge and personalized approach, we empower clients to make informed decisions and build successful buy-to-let portfolios.
Adverse Credit Mortgages
Navigating the mortgage market with adverse credit can be challenging, but we specialise in providing tailored advice and support to individuals in this situation. We begin by conducting a thorough assessment of your credit history, understanding the factors contributing to your adverse credit and any steps you’ve taken to address it. With a deep understanding of the lenders who are more flexible with adverse credit mortgage situations, we help you explore your options and find mortgage products that match your needs. We provide clear explanations of the impact of adverse credit on mortgage rates and terms, empowering you to make informed decisions. We work closely with you throughout the application process, offering guidance on improving your creditworthiness and addressing any concerns or obstacles that may arise. Our goal is to help people with adverse credit access mortgage products that suit your circumstances, enabling you to achieve your homeownership goals despite past challenges.
Specialist Mortgages
When it comes to navigating the various government schemes available to assist with purchasing a home, we excel in providing expert mortgage advice tailored to each client’s specific situation. We start by thoroughly understanding your needs, financial status, and homeownership goals. Whether it’s the Help to Buy scheme, Shared Ownership, or First Homes initiative, we guide you through the eligibility criteria, benefits, and potential drawbacks of each scheme. We have in-depth knowledge of the application process for these specialist mortgage schemes, ensuring you understand the documentation required and any associated fees. We also provide clarity on how participating in these schemes may impact mortgage affordability and long-term financial commitments. By offering clear, comprehensive advice and personalized support, we empower you to navigate government schemes confidently and make informed decisions that align with your homeownership aspirations.
Bridging Loans
Bridging loans are often used to bridge the gap between the purchase of a new property and the sale of an existing one, or for property development projects with tight timelines. We guide clients through the intricacies of bridging finance, explaining the terms, interest rates, and repayment options involved. We help you understand the risks and benefits associated with bridging loans, ensuring you have a clear understanding of their financial obligations. With our expertise and personalized approach, we empower you to make informed decisions and secure bridging finance solutions that suit your circumstances and objectives.
Self-Build Mortgages
When it comes to self-build mortgages, we specialize in providing expert guidance tailored to clients embarking on the journey of constructing their own homes. We start by thoroughly assessing your self-build project, understanding your budget, timeline, and specific requirements. Self-build mortgages differ from traditional mortgages in that they release funds in stages as the construction progresses, so we carefully explain the intricacies of this process to ensure you understand how funds will be disbursed. We work closely with lenders who offer self-build mortgage products, leveraging our relationships to secure competitive rates and favourable terms for our clients. Throughout the construction process, we provide ongoing support and guidance, helping you navigate any challenges or changes that may arise. With our expertise and personalized approach, we empower clients to realize their dream of building their own home with confidence and peace of mind.
Construction Industry Scheme Mortgages
Given the complexities of CIS, we provide clear explanations of how it impacts mortgage eligibility and affordability. We have in-depth knowledge of lenders who specialise in CIS worker mortgages, ensuring you have access to products that you’re your needs. We guide you through the documentation requirements and assist in preparing your financial records for mortgage applications. By offering personalized support and leveraging our expertise in CIS mortgages, we empower clients in the construction industry to secure suitable financing options and achieve their homeownership aspirations.
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