Why Buy Local? We Are Your Local Mortgage Brokers

Why buy local? What are the benefits of buying your mortgage from a local brokers? We are the Ashford mortgage brokers who give uncomplicated mortgage advice

‘Buying Local’ is a buzz-phrase that’s been around for a few years now, and when it comes to wanting to buy local produce the benefits are clear. The promotion of local wealth, the reduction in the use of fossil fuels, creating local connections, less risk of food contamination…In fact, it’s been said that buying local is key in ‘stringing together the pieces of a more prosperous life’, but what about when it comes to something like mortgages?

Now we aren’t saying that we coined the phrase #dearlocal but well we are sure Google and Anthony Joshua must have seen our other articles 😉

More Than Money is a family – in every sense of the word! We are Andy, Sam and Luke Stevens; a family who want to look after your family when it comes to mortgage and insurance advice. We want to change the way people buy financial products in the UK, by removing the jargon and giving mortgage advice in simple, everyday terms – AND we’re LOCAL – Ashford to be exact!

Sure, we can’t promise that using us, a local broker, will promote agriculture or help save the bees, but, there are advantages to shopping locally when it comes to financial products such as your mortgage. 

Such as?

You Might Already Know Us!

Ok, probably not personally – although we are pretty popular guys so you never know! But because chances are that someone you know locally has used us before; a friend, family member, work colleague….maybe even the woman at the bus stop you ended up chatting about mortgages with…so you’ve probably already heard how awesome we are!

We Know The Area

Being born and raised in the area gives us a huge advantage when it comes to speaking to our clients – even just on a social level; it’s always nice to speak to someone who shares common knowledge isn’t it!? 

Hoping to buy a house on that new local build estate? Yep, we know the one you mean. Want to move so you can be closer to a good school? We know some! 

You Can Just Pop In!

Of course your broker could be based anywhere and really they’re only at the end of a phone line….but how often would you be on hold, or be told ‘they’ll call you back’? 

Frustrating isn’t it!

But if you ‘shop local’, and have a quick question you’ve just thought of, you could just pop in and ask it! Got some documentation you need to drop off and you’re just passing? Save yourself the postage and come in!

What Can We Do For You?

With qualifications in both mortgage and protection advice, as well as being fully qualified financial advisors and running a successful estate agency in Ashford, Kent, there isn’t much we can’t do for you! 

We have over 25 years of combined experience in giving mortgage and insurance advice, and have worked for some of the biggest companies in the UK before deciding to combine our wealth of knowledge and experience into a family-run business giving financial advice in Ashford. 

Ok, you want specifics…

Help To Buy And Shared Ownership Schemes

We’re really passionate about helping first-time buyers to get on to the property ladder, and we know that there’s a lot of information out there about schemes such as Help To Buy and Shared Ownership – and that all too often it can be very confusing…

Our vision for More Than Money was a place where financial products could be explained in a clear, concise, and jargon-free way – and that’s what we’ve created! – a place where you can come and find out all the information you need without needing a degree in business-speak! 

We believe that getting mortgage advice should be as simple and stress-free as chatting about it to a mate down the pub – but without the beer! And if you DO want to find about mortgages while you have a beer – you can check out the articles on our website at home; all written in our signature clear yet informal style.

Our article on the Help To Buy scheme will tell you everything you need to know about what it is, who is eligible, and what restrictions there are. There’s also a link to download our free Home Buyers Guide ebook:

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

Remortgaging And More

It’s not just first-time buyers who get the More Than Money special treatment: for those existing homeowners who might be considering remortgaging, the process can be just as daunting and confusing as when you did it the first time!

Which is why we have articles covering every aspect of mortgages – from moving your debts to your mortgage, to moving your mortgage all together. 

What About Commercial Mortgages?

Perhaps you’re quite happy with where you’re living but you’re looking to buy a property to rent out or are looking for premises for your new business…

Because we have a close working relationship with many other kent-based companies we can confidently recommend their services, giving you the convenience of keeping all your business in one area – and if it’s commercial mortgages you’re after we think your first port of call should be ASC Kent

Based in Faversham, these guys specialise in business and commercial loans of all shapes and sizes and have over 30 years experience in the business finance world behind them.

……And if you need an accountant for your new business, then Magee Gammon, based in Ashford are the ones for you! They offer and provide a service tailored to your individual needs and has been assisting businesses and individuals since 1992. Commercial mortgages are not regulated by the Financial Conduct Authority.

Insurance Advice

Back to us again! A shocking number of people in the UK don’t have adequate insurance in place to protect their homes, mortgages, health – or lives. In fact more adults aged 18-25 have mobile phone insurance than have income protection – that’s insurance that will replace your wages if you were unable to work – so a pretty important one! 

At More Than Money we’re just as invested in offering simple and clear insurance advice in Ashford as we are mortgage advice – especially as mortgages and insurance to protect that mortgage go hand in hand. 

Our website features plenty of articles on different types of insurance, and explains what is covered and when in straightforward terms. 

And in case Income Protection is news to you…

Wills And Estate Planning

Cheery subject I know, but once you have a mortgage, and have taken out insurance to protect your home and family, the next step is to ensure that your wishes regarding the assets you have would be carried out should the worst happen. Yes we’re talking about making a will, and if you don’t yet have a legal will we recommend talking to New Life Wills

Like us, they cut the jargon and make the process of writing a will as uncomplicated and stress-free as possible. 

It’s more important now than ever to support our local community and More Than Money are proud to be based in our home county of Kent, and to be offering mortgage advice in Ashford. We also vow to support our local business community as well as the general public, by recommending local services that we feel will benefit our clients.

So shop local – for everything – if you can. The people you’re supporting are your friends and neighbours, your family, your former classmates, your children’s friends’ parents, your mate’s brother, the people who live around you everyday….your community.  

Will writing is not part of the Openwork offering and is offered in our own right. Openwork Limited accept no responsibility for this aspect of our business. Will writing is not regulated by the Financial Conduct Authority.


I started my career in finance 8 years ago. I’ve gone from advising on insurance in my home county of Kent, to working in the big city of London. I started More Than Money with my Dad and Brother, to get away from the 'sales environment'. When you're a qualified Adviser, the quality of your advice has to come first, not a 'sale on the board'. I thought, if I cant find that environment elsewhere, well I'll create it myself.

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