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.

Getting a mortgage isn’t just about the numbers 👀Yes, affordability matters… but lenders look at a much bigger picture.I...
10/06/2026

Getting a mortgage isn’t just about the numbers 👀

Yes, affordability matters… but lenders look at a much bigger picture.

It’s about risk 📊
Not just today, but over the next 25–35 years

It’s about people 🤝
Not everything fits neatly into a calculator

It’s about patterns
How stable your situation is, and how you manage money over time

It’s about the future 🔮
Rates, income, life changes… all of it plays a part

That’s why it’s not just about sums…
It’s about strategy.

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.

Is your life insurance written in trust?For many people, placing a life insurance policy in trust can help ensure the mo...
08/06/2026

Is your life insurance written in trust?

For many people, placing a life insurance policy in trust can help ensure the money goes to the intended beneficiaries and may allow claims to be paid more quickly.

It can also have inheritance tax planning benefits in certain circumstances.

However, trusts aren't a one-size-fits-all solution and the most suitable option will depend on your personal circumstances and the type of policy you have.

If you're not sure whether your policy is in trust, it's worth checking.

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.

Your deposit doesn’t have to be just savings 👀🏡There are more options than most buyers realise.💰 Regular savingsBuilt up...
05/06/2026

Your deposit doesn’t have to be just savings 👀🏡

There are more options than most buyers realise.

💰 Regular savings
Built up over time with consistent habits

👨‍👩‍👧 Family gifts
Often accepted with a signed gift letter

📈 Bonuses or commission
Sometimes usable depending on the lender

🏡 Inheritance or grants
Accepted with the right proof of source

⚖️ Different lenders, different criteria
What one accepts, another may not

It’s not just how much you have… it’s where it comes from.

Understanding this early can give you more options.

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.

02/06/2026

Highly recommend 🤝🏡

"I would highly recommend The Mortgage Consultancy to anyone looking at buying a new property. Roja was recommended to me by a family friend and I’m so grateful to her for all her support and efforts. I felt supported through the process even after the mortgage stage was completed. She then introduced me to her colleagues Tyra who has been equally as great in helping me put in place the correct financial protection for me. Thank you ladies!"

Buying a home is one thing…
Making sure everything around it is properly set up is just as important.

From mortgage to protection, it’s about having the right people guiding you at every step 🤝

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.

Protection myths that cost families thousands 💭💸“I’m too young to need protection.”→ Life insurance is usually cheapest ...
01/06/2026

Protection myths that cost families thousands 💭💸

“I’m too young to need protection.”
→ Life insurance is usually cheapest when you’re young and healthy.

“I get cover through work, so I’m fine.”
→ Most workplace cover ends when your job does.

“I’ll just sort it later.”
→ Waiting often means higher costs, if cover is still available.

Small myths. Big financial consequences.

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.

29/05/2026

“In terms of money, we have no money.”
Every first-time buyer after their house purchase completes… 😅

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.

Today’s rate might not last 👀Mortgage rates can change quickly.Inflation, economic updates and global events all play a ...
27/05/2026

Today’s rate might not last 👀

Mortgage rates can change quickly.
Inflation, economic updates and global events all play a part.

Waiting can carry risk ⏰
A deal available today might not be there tomorrow.

Secure early 🔐
Many lenders let you lock in a rate up to 6 months in advance.

Keep options open 📊
If better deals appear before completion, they may still be available to you.

Preparation matters 🧠
Looking early helps you plan with confidence.

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.

If school taught home buying… 🎓🏡You’d understand where deposits can really come from.What lenders actually look at.How i...
25/05/2026

If school taught home buying… 🎓🏡

You’d understand where deposits can really come from.
What lenders actually look at.
How interest works and why the lowest rate isn’t always the right option.
Why long-term planning matters more than one decision on one day.

Instead, most people learn through headlines, social media, and costly trial and error.

The problem isn’t you.
Buying a home isn’t hard because you’re bad with money.
It’s hard because no one ever teaches it properly.

That’s where good advice makes the difference.

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.

22/05/2026

When past clients send us a referral… 🫶

“I like you a lot…” 😅

(We appreciate it more than you know.)

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.

Short lease? 👀Been declined by a lender?That’s not always the end of the road.Once a lease drops below 80 years, many hi...
18/05/2026

Short lease? 👀

Been declined by a lender?
That’s not always the end of the road.

Once a lease drops below 80 years, many high street lenders may see it as higher risk and lending options can become more limited 📉

But that doesn’t always mean it’s impossible.

Some specialist lenders understand leasehold reform and how lease extensions work, which may help open up further options depending on your circumstances.

The takeaway 👇
If you’ve been told no, it could still be worth getting a second opinion.

Specialist finance for more complex situations.

Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Short lease finance is a specialist area. Lease extension costs vary and are subject to legal process. Always seek specialist legal advice on leasehold matters alongside mortgage advice.

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.

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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