More Than Money advice

Get A Mortgage with a 5% Deposit

More Than Money are leading low deposit and first home buyer mortgage experts in Kent. We understand that every case is different and work hard to offer the best rates and deals.

Call us at 01233 555 454

About Us

More Than Money is a local family run father and two sons mortgage brokers in Ashford, Kent: Andy, Sam and Luke Stevens. We started More Than Money to help first time buyers in Kent finally get on the property ladder.

It’s our mission to make as many first-time buyers in Kent homeowners as possible.

Mortgages can seem confusing and believe us we know why! Banks and brokers can make it so. Let us do the hard work, we’ll talk to you in your language, we won’t make it harder than it needs to be, and we have access to every type of mortgage in the UK… so trust us, we’ll find you the right one.

We are just ordinary people, helping ordinary people. 

Get A Mortgage Without A big Deposit

You may have always wanted to get into the property market, but feel like you're held back because you don't have a big deposit to get started. 

With a low deposit mortgage you can get into property with as little as a 5% deposit. This is ideal for first time home owners and can help you get started with your first home.


You'll speak directly with one of our family! There's no call centers or overseas staff here.

Personal service

Our business is very niche which allows us to offer an incredibly reliable and personalised service.

expert advice

With over 25 years experience in providing Mortgage advice for residents of Kent.

Check if you qualify

Complete a short survey to see if we can help you

Learn what mortgage suits you

Discover which mortgage products are best for your situation

Receive expert advice

Evaluate your options with your local experienced mortgage broker to find the best deal for your situation

why you should consider A 5% mortgage

  • The best mortgage deals are usually fixed for 2 to 5 years. Right now you can fix your mortgage at very low rates which may help you get ahead of your repayments. Getting a mortgage may even be cheaper than what you're paying in rent.
  • As you pay off your mortgage every month your home equity will rise. This is a great way to build wealth over the long term. Higher equity will usually qualify you for lower interest rates as the loan is seen as lower risk by the banks.
  • If you want to get into home ownership without spending years saving for a deposit, then a low deposit mortgage may be right for you. Not only will you be able to get into your new home sooner, but you'll also start building real equity in your property.

How We Helped Tom and Emma

Client: Tom and Emma
Mortgage Agreed:
Ashford, Kent
Type of Mortgage:
Help to Buy

Tom and Emma came to us after a referral from a previous customer we helped. They were both first time buyers and were living in rented accommodation.

They wanted to go down the Help to Buy route as they had seen a nice new build house in Ashford they liked. They spoke to one of our advisors Andy over the phone, who on the first call found out everything he could about Tom and Emma, their situation and affordability.

Andy then went away in his own time to research what options they would have available and what size mortgage he could get them. After Andy found a Mortgage which matched what Tom and Emma could afford to pay, he called them back to explain what he found and put it into an email so they could go through it in their own time.

When Tom and Emma were ready to complete an application, Andy was there to help them get set up from start to finish.

Let’s just say they are now happy homeowners…

How We Helped Sarah

Client: Sarah
Mortgage Agreed:
Ashford, Kent
Type of Mortgage:
Shared Ownership

Sarah came to us after filling out our online enquiry form online. She was a first-time buyer but couldn’t afford a mortgage on her own.

She spoke to one of our advisors Andy over the phone, to see what options she had available. As she was buying on her own, he recommended a Shared Ownership Mortgage.

Andy then went away and researched what options she had and how much he could get her. She now owns 25% of the house, with the rest being rented through her local housing association.

She now has the option to buy more of the house as time goes on.

 Another happy homeowner…

Some of our lenders

Our Process


We review your current situation to work out what your options are


We search for the right mortgage deal that suits your budget


We provide you with a clear plan that is tailored to your specific situation. Once you've reviewed and accepted it, we submit your mortgage application.

Get started now!

Get A Response Within 24 Hours

Our Clients

BIG help during Covid19!

During "Corona Lockdown" 2020 I have found the money advice articles from More Than Money to be so helpful. Andy, Sam and Luke have helped us with mortgage holiday advice and just general support. Sam sir you are a legend!

Garry Stephens

Absolutely brilliant

Andy and Lexy were absolutely brilliant at finding us a mortgage to enable us to relocate to the North. Due to our circumstances, we weren't able to stay with our lender but Andy assured us that he would get us a mortgage and he did.

The communication from both Andy and Lexy was fantastic, and they updated us regularly during the process. We cannot thank them enough for all they did for us.

Karen Marlow

Totally professional & efficient

More than money has been amazing, They assisted on life insurance for myself and partner - totally professional & efficient. For me It’s better to speak to someone who’s educated rather than use a comparison site that that will over sell the product and the guys at MTM make you aware of everything, as well as being a constant source of support - no ask was too much.

Dom Paine

5% Mortgage FAQs

What is a 5% Mortgage?

This is the same type of mortgage you would have if you put down a 10% deposit, but instead you can put down a 5% deposit.

This means the lender will cover the remaining 95% of the mortgage.

What is Help to Buy?

‘Help to Buy’ (HTB) is a government-backed scheme that was created to give first-time buyers a more affordable way to get onto the property ladder. It allows you to put down a 5% deposit, with an additional 20% loan provided by the government. This means that you’ll only need a mortgage for 75% of the purchase price.

The 20% loan is interest-free for 5 years and is repayable after 25 years – or earlier if you sell your home.

What is Shared Ownership?

The new shared ownership model has been one of the main outcomes of the government’s pledge to increase affordable housing across the UK, and, like the Help to Buy is an alternative route to getting on the housing ladder.

Instead of getting a mortgage on the whole property, you buy a share, and then pay a mortgage on that share each month. You pay rent on the rest of the property to your local housing association.

You will typically buy 25% or 50% of the house on this scheme.

What banks or lenders do you have access to?

We are known as whole of market. This means we have access to every bank and lender.

How quickly can I get a mortgage?

From first initial appointment to move in day, on average this will take around 2-3 months.

Do you charge any upfront advice fees?

No. Our advice fees are only charged when your re-mortgage goes through, if we can’t help you re-mortgage, you won’t pay us a penny. 

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