Mortgage Broker in Kent

Expert mortgage advice across Kent. From first-time buyers in Sevenoaks to contractor mortgages in Tonbridge — WIS Mortgages handles complex cases others decline. Whole of market access. FCA regulated.

Get a Free Quote Call 020 3011 1986
FCA
Authorised Broker · Reg 824411
90+
Lenders · Whole of Market
5.0★
Google Rated · 400+ reviews
Daily
Complex Cases · Approved

Local insight

Mortgages in Kent

Kent is one of the most popular commuter counties in the UK with strong transport links into London via Southeastern and High Speed 1 services. Property prices range from around £280,000 in parts of Medway to over £700,000 in Sevenoaks and Royal Tunbridge Wells. WIS Mortgages regularly works with Kent clients including overseas professionals on Skilled Worker visas buying their first UK home, IT contractors using day rate affordability, NHS workers at Darent Valley, Maidstone and William Harvey hospitals, and buy-to-let investors targeting strong rental demand in university towns and commuter areas.

Mortgage Services in Kent

Whether you are buying, remortgaging or investing, we handle the complex cases others decline.

View all 30+ products
First-Time Buyer Mortgages

Buying your first home with as little as 5% deposit.

Learn more Contractor Mortgages

Day rate assessed. IR35 and umbrella company workers considered.

Learn more Foreign National & Visa Mortgages

Options from 5% deposit. From 6 months UK residency.

Learn more Self-Employed Mortgages

One year accounts considered. SA302 and dividends accepted.

Learn more NHS & Key Worker Mortgages

Borrow up to 5.5x salary. Overtime and shift pay included.

Learn more Buy-to-Let Mortgages

Standard BTL, HMO, SPV and holiday let mortgages.

Learn more Remortgage

Fixed rate ending? Compare 90+ lenders. Lock and switch.

Learn more Bridging Loans

Auction purchases, renovations and chain breaks.

Learn more

Areas We Cover in Kent

We support clients across the whole of Kent and the surrounding area - from city-centre flats to suburban family homes.

01
Sevenoaks
Popular commuter town with strong first-time buyer and remortgage demand
02
Tonbridge
Mix of residential and buy-to-let mortgage clients
03
West Malling
Growing town with new build and first-time buyer activity
04
Royal Tunbridge Wells
Higher value properties, contractor and self-employed cases
05
Cranbrook
Rural premium properties, bridging and self-employed mortgages
06
Tenterden
Historic market town, buy-to-let and holiday let mortgages
07
Otford
Village commuter belt, residential and remortgage cases
08
Bearsted
Family area near Maidstone, NHS and first-time buyer clients
09
Westerham
Premium village properties, expat and foreign national cases
10
Goudhurst
Rural Kent, bridging loans and complex income mortgages
11
Chislehurst
Historic Kent border area, visa holder and contractor cases
Active coverage
Coverage zone · Kent
11 areas · Multiple postcodes
Nationwide adviser network

Why Kent Clients Choose WIS Mortgages

Specialist whole-of-market expertise, an FCA-regulated team, and a track record of saying yes to the cases that get declined elsewhere.

Complex Cases Welcome

Foreign nationals, contractors, self-employed and NHS workers - we handle the cases others decline.

01 - Approval First

Whole of Market Access

We compare 90+ lenders including specialist lenders not available on the high street.

02 - Lender Network

FCA Regulated

Authorised and regulated by the Financial Conduct Authority. Register number 824411.

03 - Regulatory

Ask how MortgagX works with advice from our team.

Open our Contact page on this site - message or request a callback and we will outline MortgagX alongside broker-led mortgage support.

Contact us

“Three lenders said no because of my contractor day rate. WIS got us approved in nine days on a property we'd already lost twice.”

Priya R.
IT Contractor
9 days
Offer to Exchange
£485k
Loan Amount
5.5×
Income Multiple
Case file
Property typeFlat (period conv.)
Income basisDay rate × 5
Deposit15%
LenderSpecialist · Top-5
Initial rate4.89% / 5y fix
Q.01
Can I get a mortgage in Kent as a foreign national or visa holder?
Yes. WIS Mortgages specialises in Foreign National and Visa Holder Mortgages across Kent. We work with lenders who accept Skilled Worker, Spouse and Tier 2 visa holders with as little as 5% deposit and from 6 months UK residency. Kent is popular with overseas professionals working in London and we handle these cases regularly.
Yes. Our Contractor Mortgages use your day rate to calculate affordability rather than payslips or accounts. IR35 contractors, umbrella workers and limited company contractors are all accepted. Many Kent-based IT and finance contractors use this route to borrow significantly more than standard lenders would offer.
Average house prices in Kent vary by area from around £280,000 in parts of Medway to over £700,000 in Sevenoaks and Royal Tunbridge Wells. Most lenders offer 4 to 4.5 times your annual income. Specialist lenders may offer up to 5.5 times for NHS workers and certain professionals.
Yes. Our NHS Mortgages allow eligible healthcare workers to borrow up to 5.5 times their salary. Overtime, shift pay and locum income can be included in the affordability assessment. Doctors, nurses, paramedics and all NHS roles are welcome. Kent has a large NHS workforce and we handle these cases regularly.
Yes. We offer Buy-to-Let Mortgages for first-time landlords across Kent including Standard BTL, HMO Mortgages, SPV Mortgages through a limited company and Holiday Let Mortgages. Kent is a strong buy-to-let area with good rental yields especially in university towns and coastal areas.
From application to mortgage offer typically takes 2 to 4 weeks with most lenders. Completion then takes a further 4 to 8 weeks depending on the property chain. Complex cases including contractor, foreign national and self-employed mortgages may take slightly longer due to manual underwriting requirements.

Find Out How Much You Can Borrow in Kent

Use our free mortgage affordability calculator. No credit check, no contact details required - just an honest indication of what 90+ lenders could offer you today.

Try the Calculator
AffordabilityLive preview
Annual income£72,000
Deposit£48,500
Term30 years
Income basisContractor
Max borrowing
£396,000

Want to Talk it Through?

Authorised and regulated by the FCA (824411). Straightforward advice — no obligation.

020 3011 1986 help@wismortgages.co.uk

Call us or email—we will be delighted to help. When live chat is available on our site, you can use that too.

*Monday–Friday: 9am–6:30pm · Saturday: 9:30am–3pm

We accept mortgage applications over the phone.

Leave your contact and expect a call from us!

The details below help us match you with the right adviser and prepare before we call. There is no obligation.