The Mortgage Consultancy

The Mortgage Consultancy The Mortgage Consultancy are a mortgage brokerage with offices in Kent & London. We pride ourselves o We can help with both residential and buy to let mortgages.

We can also assist with all of your protection needs. Contact us for a friendly chat with no obligation.

03/09/2026

Everyone talks about protecting the property. But who is protecting the person behind the portfolio?

As a landlord, your portfolio might depend heavily on you.

The strategy.
The decisions.
The relationships.
The borrowing.
The day-to-day management.

If you're the person holding everything together, what happens if illness, injury or something unexpected means you can't continue doing it?

Landlord protection isn't about being dramatic. It's about being practical.

Your properties may be the assets, but you are the person making the strategy work.

That's why protecting your ability to keep earning, managing and building matters just as much as protecting the bricks and mortar.

If you've built a property portfolio and never really considered what happens if you're no longer able to run it, let's have that conversation. You might have protected the properties without protecting the person behind them.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

30+ years in, TMC has changed a lot.The thing underneath it hasn’t.People matter. Good advice matters. And finance can h...
03/09/2026

30+ years in, TMC has changed a lot.

The thing underneath it hasn’t.

People matter. Good advice matters. And finance can help make some pretty big plans possible.

A first home. An investment. New business premises. More machinery. More security.

The next opportunity.

That’s why TMC has grown beyond mortgages into property finance, bridging, commercial and business finance, and protection.

Finance is often the tool.

We’re here for the ambition behind it.

FUND. BUILD. PROTECT.

02/09/2026

Why do we wait until someone takes out the biggest loan of their life to talk about protecting their finances?

You've had an income for years. You've paid rent, bills and everyday expenses. You've built a lifestyle and maybe have people depending on you.

So why should the conversation about financial protection only start when you apply for a mortgage?

A mortgage doesn't create the risk. It just makes the risk more obvious.

Your income was already paying for your life before you became a homeowner.

Protection isn't attached to the mortgage. It's attached to you — your income, your outgoings, your lifestyle, your goals, your responsibilities and your future.

You don't suddenly become worth protecting because a bank agrees to lend you money.

The conversation should start much earlier.

If you've never thought about what would happen financially if your income stopped, now could be the right time to start that conversation.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

We’ve learned this one over the years:The quality of the question can change the whole finance conversation.The more we ...
02/09/2026

We’ve learned this one over the years:
The quality of the question can change the whole finance conversation.

The more we can get a client to really think through what they’re trying to achieve, the timescale, the risks and what happens next, the clearer the picture becomes.

There are plenty of lenders and plenty of ways a deal might be structured.

Our job is to ask the questions that help us piece together the route that makes sense for you and the deal in front of us.

01/09/2026

**Your solicitor isn't just there to handle the paperwork. They're part of your investment strategy.**

On more complex property transactions, the legal work can be the difference between completing on time and losing the deal altogether.

Whether it's a title split, bridging finance, an auction purchase, a company acquisition or a lease restructure, experienced legal advice is invaluable.

Trying to save a few hundred pounds on legal fees can end up costing thousands if delays, missed issues or avoidable mistakes put your transaction at risk.

The strongest property investors don't just build a great finance team. They build a great legal team too.

That's why we believe the right solicitor is just as important as the right lender. Together, they help keep your transaction moving and reduce the risk of costly surprises along the way.

If you're planning your next property purchase or investment, let's have a conversation. We'll help you build the right team around your deal so you can move forward with confidence.

**YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.**
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

31/08/2026

**Financial protection isn't just for one type of person.**

For years, many people thought protection was only for homeowners, married couples or people with large mortgages.

The reality is very different.

If your income pays for your lifestyle, your future or the people who depend on you, then financial protection is a conversation worth having.

Whether you're a young professional, renting your first flat, building a business, supporting family, raising children or planning for the future, your income is one of your biggest financial assets.

The challenge isn't that people don't need protection. It's that many people have never been shown how it fits into *their* life.

That's why these conversations matter.

Financial protection shouldn't feel exclusive or complicated. It should be accessible, easy to understand and built around your circumstances, whatever stage of life you're at.

If you've ever assumed protection wasn't relevant to you, let's have a conversation. We'll help you understand your options, answer your questions and build a plan that works for the life you're creating.

**YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.**
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

🚩 Small habits can sometimes raise big questions.Things like living in your overdraft, maxed-out credit cards, missed pa...
31/08/2026

🚩 Small habits can sometimes raise big questions.

Things like living in your overdraft, maxed-out credit cards, missed payments, frequent buy now, pay later usage, or regular gambling transactions can all catch a lender's attention 👀

That doesn't mean you can't get a mortgage 🏡

But understanding how lenders view your finances can help you prepare before applying.

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

The Mortgage Consultancy is a trading style of The Fincon Service Limited, which is authorised and regulated by the Financial Conduct Authority under registration number 1034681.

“What’s the cheapest rate?”We hear it all the time.And rate matters. It’s just one number in a much bigger property fina...
31/08/2026

“What’s the cheapest rate?”
We hear it all the time.
And rate matters. It’s just one number in a much bigger property finance decision.
The total cost of borrowing, whether the lender actually fits the deal, how quickly you need to complete and what you plan to do next all need to sit around it.
A cheap rate isn’t particularly useful if the structure doesn’t work for what you’re trying to achieve.
Good advice starts by understanding the deal first.
Then we can properly compare the finance.

30/08/2026

**The more questions we ask upfront, the smoother your mortgage journey is likely to be.**

When you find a great property, it's easy to focus on the opportunity.

Lenders see something different.

They're assessing risk.

They'll look at your income, deposit, experience, the property itself, the rental income, your wider portfolio and, where relevant, your exit strategy before deciding whether to lend.

That's why we ask detailed questions from the very beginning.

It's not about making the process more difficult. It's about understanding your circumstances, identifying any potential issues early and matching your case with the lenders most likely to support it.

The better the preparation, the fewer surprises later on.

If you're planning your next investment or mortgage application, let's have a conversation first. We'll help you present your case in the strongest possible way and give your application the best chance of success.

**YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.**
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

29/08/2026

**A mortgage isn't the reason you need financial protection.**

It just makes the risk easier to see.

Long before you signed a mortgage agreement, your income was already paying for your life.

It covered your rent, your bills, your savings, your weekends, your future plans and everything else that depended on money coming into your account each month.

Buying a home is often the first time someone asks whether you have protection in place. That's a good conversation to have, but it shouldn't be the first one.

Your ability to earn is what supports your lifestyle. Whether you're renting, saving for a deposit or already own a home, the question is the same.

**If your income stopped tomorrow, what would happen next?**

That's where financial protection comes in. It's about protecting your life, not just your loan.

If you've only ever thought about protection because of your mortgage, let's have a conversation. We'll help you understand what you're protecting, where the risks are and build a plan around your life, not just your borrowing.

**YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.**
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

Address

The Engine House, 2 Veridion Way
Erith
DA184AL

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441322553282

Website

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