Mortgages

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

Zoe Spicer
Zoe Spicer
2024-05-29
Trustindex 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 B
Maria B
2024-04-16
Trustindex 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
ed w
ed w
2024-04-10
Trustindex verifies that the original source of the review is Google.
Andy was extremely helpful and got me and my wife a really good deal on our mortgage! Would highly recommend PHLS mortgage services
Amanda Gilbert
Amanda Gilbert
2024-03-14
Trustindex verifies that the original source of the review is Google.
I've used PHLS mortgages for over 10 years, they are used by all mortgage holders in my family. I've dealt with both Clive and Andy, the service is second to none. They are always ready when my renewals are up, are always happy to answer my many questions and are always on hand whenever i need them.They are quick to respond providing top tier customer service. Would highly recommend, i wouldnt use anyone else.
Emilie Heatley
Emilie Heatley
2024-03-02
Trustindex verifies that the original source of the review is Google.
My experience with PHLS Mortgages was an entirely positive one! I found Andy and Clive very helpful and supportive as a first time buyer. Andy was always prompt with emails and great at finding the best mortgage quotes that worked for me. I would highly recommend using PHLS Mortgages!
Charlotte Hammett
Charlotte Hammett
2024-02-29
Trustindex verifies that the original source of the review is Google.
Andy at PHLS Mortgages is amazing! He is quick to respond, has always given us a 5* service, happy to answer any questions you may have and is always on top of renewal dates and the current market situation. Would highly recommend these guys. Have used them for all my house purchases / mortgage renewals / life insurance and will continue to do so in the future.
Charlie Bennett
Charlie Bennett
2024-02-26
Trustindex verifies that the original source of the review is Google.
Many thanks to PHLS for providing us help and advice with our mortgage. Andy is a real gentleman
Freddie Skarbek
Freddie Skarbek
2024-01-29
Trustindex verifies that the original source of the review is Google.
Very experienced team providing jargon free advice, and able to act quickly as needed. They have made the process of mortgage applications very easy and I would highly recommend.
Amie Snowden
Amie Snowden
2024-01-21
Trustindex verifies that the original source of the review is Google.
We used PHLS Mortgage services to arrange our mortage and life insurance. Andy was great to work with - he helped us get the mortgage offer that was right for us, meaning we secured our perfect home. There were some bumps in the road with the process due to the current market, but Andy was patient and efficient, he kept us up to date and no question was ever too much. Andy's friendly and professional approach made it easy to work with him and I'd recommend him to anyone looking to remortgage or applying for their first mortgage, or arranging life insurance.
Pragna Tevani
Pragna Tevani
2024-01-12
Trustindex verifies that the original source of the review is Google.
I have been using PHLS Mortgage Services for some years now - always guaranteed a friendly service. Andy is very knowledgeable and trustworthy. I would highly recommend using PHLS if you need any mortgage advice. Thanks again for all your help, Andy.

Our services

Below is a selection of the mortgages that we offer but if you’d like to discuss a specialised or particular mortgage then please contact us

First Time Buyer Mortgages Maidstone Kent

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 mortgage jargon and providing clear, practical advice, we empower first-time buyers to make informed decisions and confidently take the first step towards homeownership.

Moving Home Mortgages

We provide expert 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.

Moving home

Renew mortgage maidstone kent

Mortgage Renewals

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. 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.

Buy to Let Mortgages in Maidstone Kent

Adverse Credit

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 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.

Government Schemes

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 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.

government housing scheme

Bridging Loan Maidstone Kent

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.

Self Build Mortgage Maidstone Kent

CIS Mortgage Maidstone Kent

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 specialize in CIS 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.