Mortgage advice for Tunbridge Wells

At Private Wealth Mortgages, we have the experience to ensure the mortgage you select will be the most appropriate for your financial circumstances and lifestyle.

The mortgage specialist Tunbridge Wells turns to for an expert broker

At Private Wealth Mortgages our brokers have been providing mortgage advice Tunbridge Wells residents can count on for 30 years. Our services include:

  • Mortgages
  • Remortgages
  • Equity release mortgages
  • First time buyer mortgages
  • Product transfers with your current mortgage lender

We have the knowledge of the mortgage market to ensure you are presented with the best and most suitable mortgages for your individual circumstances. But we do much more than simply hand over a list of lenders. At Private Wealth Mortgages we go above and beyond the service provided by many other local mortgage brokers in Tunbridge Wells. Our USP lies in our ability to understand our clients – including their current financial circumstances as well as their future aspirations or property plans.

Are you struggling to get a mortgage due to excessive amounts of debt? Are you a first time buyer who is worried about the impact of a mortgage application on your credit score? Or do you plan to start a family in the next few years and prefer low monthly payments? Whatever your personal situation, we will assess your current lifestyle as well as your plans for the future, which helps us understand the type of mortgage that’s right for you.

The experienced mortgage specialist Tunbridge Wells residents can rely on

We will help you whatever you situation, and we are especially experienced handling complex cases, such as self employed mortgages or remortgages. If you’re looking for an experienced and knowledgeable mortgage broker, give one of our friendly team members a call on 01403 270006. We can help you assess whether a new mortgage is appropriate for you, as well as giving you a range of options for your next mortgage.

We offer additional, property related services at Private Wealth Mortgages. It’s part of our dedication to helping you purchase a property with minimal stress or worry. In addition to mortgages, contact us for a range of preferred partners who we can recommend for conveyancing, accounting, financial advice or will writing.

Why You Should Choose Us?

  • We provide the knowledge, experience and exceptional service you need to choose a mortgage that’s perfect for you.
  • Our mortgage advisors are all fully qualified and have more than 30 years experience combined.
  • We will take the load off you by taking care of as much administration as possible.
  • It’s less about a list of lenders and more about finding the right fit for your life.

Call our expert mortgage advisers today

01403 270006 Arrange a call back now

Comments from our Clients

Throughout the whole process your team have been nothing but outstanding. A pleasure to deal with in every regard.

–Chris and Alastair, Bracknell

Our People

Neil Powney

Neil Powney

Mortgage & Protection Adviser

Neil has over a decade of experience as an independent mortgage and protection product adviser, and deals with all aspects of the role. Whether you are a first time buyer or an old hand in the property market, he will work with you to ensure the perfect solution is found.

Mandy Smith

Mandy Smith

Mortgage & Protection Adviser

Mandy started her career working for Nationwide, and brings 25 years of experience to help her clients achieve their plans and goals. Mandy has accumulated an impressive portfolio of happy clients who always return for more help with their lending, as well as regularly recommending her services to their own networks.

Jay Blackman

Jay Blackman

Mortgage & Protection Adviser

Jay has worked in the property industry for 15 years in different roles including property rentals, management, consultancy and staff training. He became an independent mortgage advisor in 2008 and since then has built a varied client list including property developers and portfolio landlords.

Jenny Tunnicliffe

Jenny Tunnicliffe

Mortgage & Protection Adviser

Jenny joined the team in August 2016 after taking a career break to travel the world. She hit the ground running, working closely with Salli and her clients while also developing relationships with introducers to the company. Jenny deals with all aspects of mortgage and protection advice, and is already receiving recommendations from clients she has helped.

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Frequently Asked Questions

Q: How many years of experience does Private Wealth Mortgages have?

A:  Our qualified and knowledgeable mortgage brokers have a combined 30 years of experience helping people choose the most suitable mortgage for their personal circumstances.

Q: What makes Private Wealth Mortgages unique?

A: Quite simply, service. When our mortgage broker business was founded it was on the principle that mortgage applications should be made simple and stress-free for our clients. Each of our brokers shares the same values – to deliver outstanding levels of customer service and guidance when it comes to obtaining a new mortgage. Over the years we have advised countless people, all with different requirements. We pride ourselves on always striving to help people get the mortgage they need, no matter how complicated their individual case

Q: Do you simply provide me with a list of mortgage lenders?

No. Our service includes a detailed assessment and review of your current personal and financial circumstances. Then, if we believe you are eligible to take out a mortgage and will be accepted by a bank or lender, we use this information to present you with a selection of mortgages. As an example, you may be self-employed and have difficulty understanding what kind of information you need to provide to a lender. Perhaps you are a first time buyer on a low income. Or maybe you are a couple with joint incomes, but one of you is planning to give up work in the next couple of years. Whatever the scenario, we can help you find mortgage options that give you financial security and help you plan ahead.

Q: What kind of information do you provide me with?

Once we have established the kind of mortgage you need, we will then provide a list of options to you. This will include the bank or lender’s name, an interest rate, a fixed term or variable term, and a length of the mortgage deal. There will be other information provided in more detail such as any penalty for the early repayment of your mortgage or the option to make overpayments and this will be set out clearly in a Mortgage Illustration. But of course you’ll also have one of our experienced mortgage brokers on-hand to answer any questions you might have.

Q: What happens if I can’t get a mortgage?

Any application for a mortgage is based on different financial criteria. Mortgage lenders and banks want to assess whether or not you can afford the repayments, so there will be a review of your income and outgoings and a mortgage will be stress tested to ensure you can afford it now and if rates increase in the future. Lenders will also take into consideration the amount of cash you have to put down as a deposit and any debt you may owe to other financial institutions.

If you are not accepted for a mortgage, it is likely the lender does not consider you to be a viable candidate who can repay the loan amount. However, this may not be the case forever. There are ways that you can improve your eligibility for a mortgage, including increasing the amount you put down in deposit or reducing any debt you owe. If you’re based in the Brighton area, we recommend you speak to a qualified and experienced mortgage broker before you make any decisions about your property purchase.

Q: Do I need to do mountains of paperwork to get a mortgage?

A: It’s true that there is plenty of paperwork to do when you apply for a mortgage. Fortunately, when you choose Private Wealth Mortgages you can relax knowing we do the heavy lifting for you. In fact, we have a team of administrators on-hand who can either help guide you through the paperwork required or – when appropriate – complete it on your behalf. It’s part of our promise to make the process of getting a mortgage and purchasing a property as enjoyable and pain free as it can be.  

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Registered in England & Wales, no 5603163
Private Wealth Mortgages Ltd is authorised and regulated by the Financial Conduct Authority. FCA Number: 445980

Private Wealth Mortgages Ltd, Hillreed House, 54 Queen St, Horsham, West Sussex, RH13 5AD

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