mortgage broker.co.uk

Mortgage Broker in Kent

Written by Simon Baker BSc (Hons)  |  Reviewed by The Complete Mortgage Shop, FCA regulated (FRN 728880)  |  Last updated 1 May 2026

Kent is one of England’s most varied counties for property. The mortgage market in west Kent — Sevenoaks, Tonbridge, Tunbridge Wells — looks and behaves more like the Home Counties than provincial England, while east Kent — Margate, Folkestone, Ramsgate — has a very different character, shaped by coastal regeneration, HS1 rail links to London and significant creative-sector inward migration. A mortgage broker in Kent needs to understand both markets.

West Kent: The London Commuter Premium

Sevenoaks is one of the most expensive towns outside London. Fast Southeastern rail services into London Bridge and Cannon Street in under 30 minutes drive prices well above the Kent average, and the town’s outstanding schools add a further catchment premium. Tonbridge, Tunbridge Wells and the surrounding villages draw London professionals who can afford to live further out in exchange for more space and better quality of life.

In these west Kent markets, mortgage applications often require larger loan sizes, and buyers may benefit from professional mortgage ranges or higher income multiple products. Green Belt designation constrains new supply and supports prices.

East Kent: Regeneration and HS1

East Kent has attracted significant creative and professional inward migration over the past decade, particularly to Margate and Folkestone. HS1 services from Folkestone Central to London St Pancras take under an hour, making the town viable for London commuters. Margate, connected via Southeastern Highspeed to London Victoria, has seen its old town and beachfront substantially regenerate.

Coastal properties anywhere in Kent require careful consideration of flood risk assessments and coastal erosion data. Some lenders will not lend on properties within certain flood risk zones, and insurance costs for coastal properties can be elevated.

Canterbury and the University Market

Canterbury is home to the University of Kent, Canterbury Christ Church University and the University for the Creative Arts. The city’s student population sustains a significant private rental market. Much of Canterbury’s housing stock is in conservation areas, adding listed-building and conservation considerations to lending decisions.

Getting the Right Mortgage in Kent

Whether you are buying a commuter home in Sevenoaks, a regeneration property in Margate, or a student investment near Canterbury, a whole-of-market broker can compare lenders and identify the right product for your location and circumstances.

To speak to a qualified adviser, please submit an online enquiry or call 0800 310 1340.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.