Business Details
10 Years
experience
Expert Mortgage Brokers in Ashford
Established in 2016, The Independent Mortgage Centre combines decades of expertise with modern financial solutions. Our team, boasting over 100 years of collective experience since 1982, specialises in tailored mortgage advice, equity release, and protection products. As a Directly Authorised firm by the Financial Conduct Authority, we prioritise streamlined processes, transparent communication, and client-centric service.Our Whole of Market approach ensures access to diverse lenders, while our commitment to post-completion support and free initial consultations underscores our dedication to long-term client relationships. We pride ourselves on adapting to industry innovations, including advanced point-of-sale systems and expanded insurance partnerships, to deliver competitive, personalised solutions.
Services
Mortgage Advice
Equity Release
Protection Products
Lifetime Mortgages
Home Reversion Plans
Details
- Year established: 2016
Highlights and features
- We treat every case as an individual with tailored mortgage solutions
- Over 100 years of combined mortgage advisory experience since 1982
- Whole of Market advisers accessing the full range of lender products
- Personal adviser support throughout your mortgage application process
- Free initial consultation to understand your specific financial needs
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
Our Whole of Market mortgage advisory service provides access to the entire lending market. We analyse your financial situation to recommend suitable products, considering lender underwriting criteria rather than just headline rates. With FCA authorisation and decades of experience, we guide clients through the application process while maintaining transparency about terms, fees, and long-term implications.
Equity Release
We offer regulated equity release solutions for homeowners aged 55+. Our Lifetime Mortgages and Home Reversion Plans allow tax-free cash withdrawals while retaining property ownership. We explain how interest compounds over time, inheritance guarantees, and potential impacts on benefits. Our FCA-authorised advisers ensure compliance with Equity Release Council standards, including no-negative equity protections.
Protection Products
We provide tailored protection products through major insurers like Legal & General and Aviva. Our offerings include mortgage payment protection, life insurance, and critical illness cover. We assess your circumstances to recommend appropriate coverage levels, explaining policy terms, exclusions, and claims processes while maintaining transparency about premiums and conditions.
People
Martin Wilkins
Managing Director
Certified mortgage expert with 40+ years' experience since 1981. Founded the company's holistic approach to property services, combining estate agency, conveyancing, and mortgage advice. Maintains direct client engagement while overseeing strategic direction.
Damien Tonna
Mortgage Broker
Certified adviser since 1997 with deep local market knowledge. Specialises in matching clients with suitable mortgage products through detailed financial assessments. Known for exceptional client retention through consistent communication and follow-up.
Gus De Rosa
Mortgage Broker
Certified adviser with diverse background in customer service and finance. Focuses on explaining complex mortgage products clearly. Prioritises client education about long-term financial commitments and market fluctuations.
Marc Vidler
Mortgage Broker
Certified adviser with 35+ years' experience since 1986. Specialises in protection product integration with mortgage solutions. Combines technical expertise with accessible explanations of financial risks and mitigation strategies.
Vanessa Fabian
PA to Managing Director
Operations manager with banking sector expertise. Oversees administrative systems and staff welfare. Implements HR best practices to maintain team efficiency while supporting client service delivery through organisational excellence.
Questions
What mortgage types do you offer?
We provide access to the entire market including fixed-rate, tracker, and specialist mortgages. Our FCA-authorised advisers explain product features, interest rate mechanisms, and lender-specific criteria to find suitable options.
How does equity release affect inheritance?
Equity release reduces your estate's value. We explain inheritance guarantees available with certain plans and demonstrate how compounding interest impacts future property equity for beneficiaries.
What protection products do you recommend?
We offer life insurance, critical illness cover, and mortgage payment protection through major providers. Our advisers explain policy terms, exclusions, and claims processes to ensure appropriate coverage levels.
How are you different from online brokers?
We provide face-to-face consultations with dedicated advisers throughout your process. Our Whole of Market approach combines personal service with comprehensive product access, unlike algorithm-driven platforms.
Can you help with existing mortgages?
Yes, we review current mortgages for potential savings, remortgaging opportunities, or payment protection upgrades. Our advisers explain exit fees, new product terms, and long-term financial implications.
Reviews (4)
Keely Wraight
Nov 02, 2021
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Damien was fantastic, helpful, friendly and made the process easy for us. All the staff are happy to help and a pleasure to deal with.
Charlie Perkins
Oct 17, 2021
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Damien and Emily were fantastic. Always in hand to offer advice (and reassurance). Everything went through without a hitch! Thank you
Michael Rosenberg
Jun 18, 2021
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The IMC team are helpful, patient, and knowledgable about their service and products and were able to quickly ascertain my needs and limitations when advising about possible solutions related to financing my property. I will certainly work with them again, and highly recommend IMC to anyone looking for financial counsel and efficient execution once a plan is agreed.
Emma Oliver
Mar 20, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
I would highly recommend Damien Tonna and his team, they sorted me out an excellent mortgage and kept me up to date with progress.
I would highly recommend Damien Tonna and his team, they sorted me out an excellent mortgage and kept me up to date with progress.
