🏡 Residential Mortgages in Canterbury

Buying, moving or remortgaging in Canterbury? We cut through the jargon and connect you with FCA-authorised advisers who compare suitable lenders and keep your application on track. From cottages inside the city walls to apartments around St Dunstan’s, we help tailor the case to the property.

🤝 How We Help

• First-time buyers — deposit options, AIPs, clear checklists
• Home movers — sale/purchase timelines, porting vs new deal
• Remortgages — rate reviews, product transfers, equity release
• New-build — developer deadlines, incentive considerations
• Irregular income — self-employed, contractors, bonus/commission
• Credit challenges — specialist routes where appropriate

📑 Affordability & Documents

Lenders typically start around 4–4.5× income but adjust for deposit, outgoings and credit profile. Have ID, proof of address, income evidence and bank statements ready early — it speeds up underwriting.

💷 Costs to Expect

• Valuation/product/solicitor fees depend on the lender and product
• Stamp Duty where applicable
• Any advice fees are confirmed by the FCA-authorised adviser we introduce

🏘 Local Notes

Character homes within the walls, student-let hotspots near UKC/CCCU and newer apartments toward St Dunstan’s can prompt different valuer commentary. A well-evidenced submission helps maintain timelines.

❓ FAQs

🔹 Is now a good time to remortgage?

If your deal ends within the next few months, it’s sensible to review options now to avoid the SVR. Product transfers and remortgages can often be secured ahead of time.

🔹 Can I borrow more on remortgage for works?

Possibly — subject to affordability, LTV and product rules. Advisers can outline pros/cons vs separate borrowing.

🔹 What if I’m self-employed?

Many lenders accept averaged two-year accounts or other income evidence; criteria vary.

🚀 Next Steps

Share your Canterbury plans and we’ll introduce you to an FCA-authorised adviser for tailored, regulated guidance.