Thomas Group Financial Services

29/09/2025

*****We saved a client almost £1,000,000 in interest over his mortgage term*****

This client had an “in house” broker at a Financial Adviser firm, who arranged a standard fixed rate for him with no offset facility, ignoring the clients overall position and failing to recognise other, better alternatives. Client came to us for a second opinion.

Our client sold his business a couple of years ago, and had cash reserves ready to invest.
We arranged an “offset” facility, whereby the amount of cash deposited, can be directly offset against our clients mortgage. Client offset his mortgage balance in full, saving £926,400 over 30 years. We reduced monthly payments from £2,418pm to £1,102pm effectively providing our client with an interest free mortgage.

Offset accounts have easy access. You can draw your funds out at any time

Examples – Assuming a £500k mortgage at 5%.

- £500k held in an offset account = £0 interest
- £250k held in an offset account = £12500 interest every year (interest paid on £250k)
- £50k held in an offset account = £22,500 interest every year (interest paid on £450k).

A prime example of why using a good, whole of market, independent broker is imperative. If you have a broker already, we can provide a second opinion for free.

*Above is an example of a case we completed recently, and may not be appropriate for all of our clients. We provide bespoke advice tailored to individual circumstances in all cases. Your home may be repossessed if you do not keep up repayments on your mortgage.*

08/09/2025

Very proud to support a local community project such as this, with a photographer who is so passionate and talented

🐞 Leybourne Unseen 🕷️

Come and explore the new photo exhibition at the Castle Way play park! All the insects in these photographs were taken right here in Leybourne by local photographer Bethany Wylie.

It’s a fun way for children (and grown-ups too!) to spot the tiny creatures that play an important role in supporting our natural ecosystem. 🌸🐝

This project has been made possible thanks to the support of Borough Councillors Bill Banks and Paul Boxall and Adam Thomas at Thomas Group Financial Services.

02/10/2024

***Financial Year 6 Month Update***

We are 6 months into our financial year, meaning the half way point for 2024/2025. In the last 6 months we’ve seen an increase in mortgage volume, complexity, and a range of different client scenarios like we’ve never seen before.

In the last 6 months we have submitted 87 new mortgage applications equating to over £34 million in mortgage lending.

We’ve seen everything from a £30k remortgage to raise funds for home improvements, to a £3.5m refinance across a complex structure, with multiple properties held in a BVI company, to bridging loans for penthouse flats, and ground up developments in Portugal and the Isle of Man.

We’ve seen applicants with poor credit, 0% deposits, one years self employed accounts, contractors, parents coming on to mortgages to maximise borrowing. There is almost always a solution to every case that we see. If you’ve been told by your bank that you cannot proceed, let us provide a free second opinion.

Mortgage rates are on their way down, bringing a level of confidence to the market, whilst property prices remain reasonable without being too affected by recent interest rate drops.

Do get in contact if you’re thinking of buying, remortgaging, or just want to discuss your options. We are a one stop shop for everything property finance related.

Feel free to reach out to [email protected]

17/04/2024

I am delighted to announce that I’ve been nominated for Best Overall Broker this year at the British Mortgage Awards.

Votes can be submitted by anybody working in the industry, whether that’s solicitors, brokers or business owners. Your vote is greatly appreciated.

My email address is [email protected] - company name Thomas Group Financial Services 🙏🙏. Wish me luck! 🍀

“Adam is an outstanding broker who works with an exceptionally wide range of clients. From first-time buyers in his home county of Kent using Shared Ownership schemes or gifted deposits, through to bridging and trust lending, and international HNW borrowers with complex needs and assets & income from as far away as Australia. Having learnt his trade through eight years working for brokerages such as Countrywide, Coreco and Knight Frank, Adam then founded his own business, Thomas Group Financial Services in April 2021, as an AR of Altura. Adam has an excellent reputation amongst his clients, introducer partners and the lender community.”

Nominations for The British Mortgage Awards 2024 opens on Monday 11th March. Individuals can self-nominate, which we encourage! Deadline to nominate is 5pm on Friday 3rd May. View full explanations for each category here Find out more about the nomination process If you have any questions about the....

29/01/2024

20/01/2024

This post speaks for itself 📈💰

11/01/2024

Mortgage rates are reducing.

One lender has reduced their rates this morning. TGFS automatically re-issued 13 REDUCED mortgages today for clients who already have offers with this lender, and are awaiting completion. This service is available regardless of whether our clients are purchasing or remortgaging.

We provide this service free of charge, and no bank will offer the same facility. My clients saved £1013pm overall and £78pm on AVERAGE, with some almost double this figure.

If looking to approach your existing lender for a remortgage, we will have access to equivalent or better rates with the above benefit as a bonus. If you are purchasing, rates could be very different by the time you move into your property, let us monitor this for you.

At TGFS we always strive to provide the very best service and to secure the most appropriate products for our clients even if it means more work for us, free of charge.

08/11/2023

Huge announcements made yesterday by the king. See below

Yesterday the King announced the Leasehold and Freehold bill. To summarise, please see the main points below

- Standard lease extension increased to 990 years - Any lease extension on a leasehold property will now be extended to 990 years as standard, rather than 90 or 125 currently.

-Ground rents to be abolished. - Any lease extension, once complete will automatically bring ground rent to £0

-Ground rent to be capped (potentially). Discussions will be held to discuss a ground rent cap on existing leases.

- No 2 year ownership requirement - As it stands, to extend a lease on a property you must have owned the property for 2 years. Buyers would tend to request an extension simultaneously with a purchase, but this causes huge delays. This rule will be scrapped and you can extend the lease on day one of ownership.

- No new leasehold houses to be built

- Transparency on service charges. - Leaseholders will now be able to request sight of a breakdown of the service charges they pay monthly.

- Cheaper fees to extend lease. Case study below

Example - First time buyer purchase a a flat for £250k, with a 76 year lease

To extend lease today before above is applicable

-£16,000 marriage value
-£10,000 fees
90 year or 125 year lease

=£26,000 cost

Breakdown of the same extension once the above reform

£9,000 lease extension
£5,000 fees (only personal fees, no freeholder fees)
990 year lease

= £14,000 cost

=£12,000 SAVING.

Changes expected to be made in May 2024.

Feel free to contact us for any further advice

06/11/2023

A great day spent at the who do amazing things in the charity world, for children who don’t have access to books. We helped sort over 3000 books during our visit.

Every time a client referral completes on a mortgage with us, we make a further donation.

21/09/2023

Interest rates have been held for the first time today since November 2021. A decision of 5-4 means this was a close one. The MPC have voted in favour of keeping the Bank of England base rate at 5.25%.

We are seeing much more stability in the market recently with no huge changes expected to be made to lenders rates following any news today, whether interest rates were reduced, held or raised by 0.25%.

International buyers still see London as a great investment, and the market here is strong. Some mortgage movers and first time buyers are able to borrow 5.5x their income keeping property sales under £500k competitive. Buy to Let’s are still proving a challenge leverage wise but the rest of the property market is certainly still moving.

Swap rates have been reducing, with 5 year money at 4.27% and 2 year money at 4.96%. Recent inflation figures show a drop here too from 6.7% - still a long way to hit the UK’s 2% target but a drop is a drop.

Things are starting to settle and we’re looking forward to some more stability in the coming months.

14/09/2023

Doing our bit today with

31/07/2023

WHAT YOUR BANK WON’T DO - Once we lock in a rate for you, if interests rates do fall like they did last week, we will notify you that you’re eligible for a cheaper rate and change this for free (with the same lender) or submit a full application to another lender if you wish, if the rate is cheaper elsewhere (fees may apply).

Believe it or not - some mortgage customers take the first deal their existing bank offer to them, without negotiating or looking at the rest of the market.

We also have access to exclusive rates through lenders that cannot be accessed by the general public. We will review your rate for free as we can often find you a better rate elsewhere (subject to fees and a full application if suitable).

Once we have submitted any mortgage for you, your data is securely stored, we will notify you when your rate is close to expiry so you don’t move onto a higher rate, or have to provide the same documents, all over again.