Local Ashford Mortgage Advice

As an experienced, family-run mortgage team based locally in Ashford, Kent, we'll make sure you're fully looked after from the first call right through to the completion of your mortgage.

Your home may be repossessed if you do not keep up repayments on your mortgage 

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Hassle-free application

Full communication and support throughout the whole process

Know your mortgage options after the first call

Local Ashford Mortgage Advice

Securing a mortgage can feel like a big deal, especially for first time buyers or those unfamiliar with Ashford's property market.

Owning a home in Ashford isn't as straightforward as it once was. With rising interest rates and an ongoing cost of living crisis, the path to homeownership has become a challenging journey. Tackling the 'rent cycle' while saving for a deposit is just the tip of the iceberg.

Imagine finally saving enough, only to face the complexities of dealing with estate agents, solicitors, and surveyors. Making offers, going on viewings, and potentially being gazumped – it’s a stressful process!

Despite all the effort, sometimes the dream house or mortgage falls through. That's when a team of experts makes a difference. But why hire a mortgage adviser unless they can ensure a smooth, worry-free process and secure the mortgage you need?

Enter More Than Money, your local Ashford mortgage specialists. We're not just advisers, but experts with access to High Street mortgage lenders and niche lenders who cater to clients with low deposits or credit issues.

We're well-versed in buying, selling, remortgaging, and product transfers. We ask the right questions upfront and go straight to lenders who will offer you the right mortgage. This streamlined approach saves you time, money, and helps alleviate unnecessary stress.

If you're searching for a local Ashford mortgage adviser who can help demystify the process, look no further. At More Than Money, we provide friendly, no-obligation advice, drawing on our deep understanding of the local property and mortgage market.

Ready to take the leap and check your mortgage eligibility? Just click below, complete your assessment, and let's turn your dream of property ownership in Ashford into reality. At More Than Money, we’re here to make your journey to homeownership as smooth as possible.

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Why Choose Us?

We'll maximise your chances of getting your mortgage approved

More Than Money is committed to maximising your chances of mortgage approval in Ashford.

With a deep understanding of the local property market, and strong connections with lenders, our expert adviser, Andy, ensures a simplified mortgage process.

We stand out with our innovative, streamlined assessment that captures key details, connecting you with the ideal lender.

Our approach considers your individual financial situation and homebuying goals, paving the path for your successful journey to homeownership.

We have over 43 years of combined experience

With over 30 years of industry experience, Andy, our dedicated mortgage adviser at More Than Money, is your go-to expert for securing a mortgage in Ashford.

Serving first-time buyers to those seeking re-mortgaging options, his trusted advice is tailored to each client's unique needs. Get valuable insights from Andy by checking out his informative videos on our Instagram and Facebook pages at @morethanmoney_mtm.

Trust in Andy and our team at More Than Money, where your Ashford mortgage approval is our top priority.

We'll provide you with a stress-free process

You can relax knowing that you will experience a seamless mortgage journey with More Than Money. 

Our dedicated team works hard behind the scenes to gather all the necessary information, ensuring a stress-free experience for you.

With our efficient assessment, we collect comprehensive details about your needs, finances, and goals. This enables us to match you with the perfect lender first time, increasing your chances of a mortgage approval quickly and smoothly.

So with More Than Money, you can relax knowing that we handle everything, allowing you to focus on your dreams of homeownership in Ashford.

We are not a call centre

Founded by a father-and-sons team, More Than Money was born to fix the issue of poor financial advice leading to the wrong mortgages.

We remain a UK-based, family-run firm, providing personalised mortgage advice tailored to you in Ashford.

With us, you'll interact directly with a named adviser, avoiding impersonal call centres. Our dedicated case managers take your mortgage application from initiation to completion.

Experience the More Than Money difference with our Ashford-based mortgage services, blending traditional family values with expert financial advice.

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Client Testimonials

How You Can Make Sure You Get the Right Mortgage

1. Take the first step 

Complete our simple online eligibility assessment and Andy will personally review your case

2. Get the right mortgage

We will be in touch to discuss your eligibility and the next steps involved in securing your mortgage

3. There every step of the way

We’ll take care of the whole mortgage application process and keep you fully updated along the way

4. Until You get the keys to your door!

For your peace of mind, your dedicated case manager will look after you right up until moving in day

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How We Helped Tom & Emma

Client: Tom and Emma
Location: Finberry, Ashford
Type of Mortgage: First Time Buyers

When Tom and Emma, a young couple starting their family in Ashford, first considered buying a home, they faced a common challenge. As first-time buyers, rising living costs made saving for a deposit a daunting task. That's when they found More Than Money.

Guided by a friend's recommendation, they discovered our commitment to personalised service and expert mortgage advice. With our help, their home buying journey transformed from a stressful process into an exciting milestone.

Navigating through complex mortgage options, we found the perfect financing match for them. Their initial dream of a cosy two-bedroom house evolved into securing a spacious three-bedroom home, ready for their expanding family.

Tom and Emma's story reflects our mission at More Than Money - making the journey to homeownership in Ashford smoother, faster, and tailored to individual needs. It's more than just a mortgage, it's crafting the foundation of family memories.

How We Helped Devi & Anita

Client: Devi & Anita
Location: Singleton, Ashford
Type of Mortgage: Relocation

When Devi and Anita relocated to Ashford, they found themselves in need of a new home. They reached out to Andy, our experienced mortgage adviser at More Than Money. Following an online assessment, a face-to-face meeting was set up to discuss their mortgage options.

Understanding their unique needs from the online assessment, our Ashford-based team carried out an extensive research into suitable mortgage options. Consequently, Andy could provide detailed, easy-to-understand information, allowing Devi and Anita to make an informed decision at their own pace.

When they decided to proceed, their dedicated case manager, Lexy, ensured a seamless mortgage application process. Weekly updates and close collaboration with solicitors and estate agents resulted in Devi and Anita becoming proud homeowners in Ashford, truly demonstrating the More Than Money commitment to personalised mortgage guidance.

About Us

At More Than Money, we say "our family looking after your family", and we mean it. Led by a team comprising of Andy Stevens and his twin sons, Sam and Luke, family values drive our mission to provide exceptional financial advice in Ashford.

We've seen the impact of poor mortgage advice, and we're dedicated to preventing these common mistakes for individuals and families in Ashford. Our accessible approach ensures quality mortgage and property advice for both new and experienced homeowners. Whether it's face-to-face in our Ashford office, or via phone or Zoom, our commitment remains: enabling successful home purchases through expert advice.

We Work With Over 70 Lenders To Get You The Right Deal On Your Mortgage

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FAQs:

What banks or lenders do you have access to?

We work from a panel of lenders which is representative of the whole of the market

How quickly can I get a mortgage?


From first receipt of your assessment to move in day, on average this will take around 2-3 months.

What are your fees?

Insurance: We will not charge you a fee for our services relating to insurance, but we will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product. You will receive a quotation which will tell you about the fees and charges relating to any insurance policy that we recommend.

Mortgages For our advice services we will charge a fee of £595. This fee is normally payable once your new mortgage has completed, however, if you choose not to go ahead for any reason once a full mortgage Offer has been issued by the lender then this fee will still become payable at the point you decide not to proceed.

Where a mortgage Offer has been issued and you change your plans which means a new mortgage application and Offer, we reserve the right to charge an additional fee of £295.

We will also be paid a procuration fee by the lender. The amount of the procuration fee will be disclosed to you.

You have the right to ask us to provide information on the range of procuration fees that the lenders on our panels offer to us.

If an application is submitted to a lender via a packager (a 3rd party specialist) we will be paid commission by the packager. This will be disclosed to you.

Do you only advise in Ashford?

No, we can help with all mortgage applications, wherever you are in the UK! We can even set up a Zoom meeting if you want to see your adviser face-to-face (and eventually through the Metaverse when it takes over!).

How much deposit do I need?

There are many different deposit options on the market. However, as a general rule: the more money you have in your own savings, the cheaper your mortgage and repayments will inevitably be.

I have been pre-approved – what does this mean?

This means that a quick check on your serviceability of a loan has been done and it is calculated that you should be able to make mortgage repayments on the amount you have been pre approved for.

Local Mortgage Advice in Ashford

Hassle-free application

Full communication and support throughout the whole process

Know your mortgage options after the first call

CHECK YOUR ELIGIBILITY