Drake Mortgages

Business Details

Expert Mortgage Brokers in Kent | Drake Mortgages

We are specialist property finance brokers with over 25 years of experience in the mortgage industry. Our independent status allows us to access a comprehensive range of lenders and mortgage products, including exclusive broker-only deals unavailable through comparison websites. Our team comprises fully qualified advisers with a minimum of 20 years' experience, providing expert guidance on residential, commercial, buy-to-let, and holiday let mortgages. We specialise in complex cases and non-standard lending requirements, offering tailored solutions for property investors, developers, and individuals with unique financial circumstances.

Our services extend to probate loans, bridging finance, and development funding, supported by our in-depth knowledge of property law, taxation, and construction. We maintain FCA regulation (FRN 207532) and prioritise transparent communication without industry jargon. Our operational model combines technological efficiency with traditional service values, enabling clients to complete transactions remotely while benefiting from our extensive market knowledge and lender relationships.

Services

Buy to Let Mortgages Holiday Let Mortgages Bridging Loans Commercial Mortgages Probate Loans Development Finance First Time Buyer Mortgages Remortgage Solutions Self Employed Mortgages Portfolio Mortgages

Highlights and features

We are FCA regulated (FRN 207532) for your protection
Our advisers have minimum 20 years' industry experience
We access 100+ lenders including exclusive broker-only products
Specialists in complex cases and non-standard lending requirements
We combine technological efficiency with traditional service values

Associations and certifications

Financial Conduct Authority

What people say

Fantastic service Knowledgeable and friendly Stress-free experience Award-winning broker Exceptional customer service

Website

Update Listing

Services

Buy to Let Mortgages

Specialist financing solutions for property investors with portfolios of 1+ rental properties. We offer competitive rates for both individual landlords and limited company structures. Our expertise includes portfolio mortgages for clients with 4+ properties, HMO financing, and MUFB mortgages. We provide tailored advice on tax-efficient structures and long-term investment strategies.

Bridging Loans

Fast-access funding solutions for property transactions requiring immediate capital. Available for both residential and commercial properties, including auction purchases and development projects. We offer 100% bridging options, closed bridging for defined exit strategies, and light refurbishment finance. Typical turnaround times from application to completion within 7-14 days.

Holiday Let Mortgages

Tailored financing for furnished holiday let properties operating through platforms like Airbnb. We support both individual investors and portfolio landlords, with options for new purchases and remortgaging existing properties. Our specialists understand the unique tax considerations and income verification requirements for holiday let investments.

Commercial Mortgages

Mortgage solutions for business premises acquisition and refinancing. We arrange financing for office spaces, retail units, and industrial properties. Our services include owner-occupied commercial mortgages, holiday park financing, and specialist lending for guest houses and hotels. We work with both established businesses and new ventures.

Probate Loans

Short-term borrowing solutions secured against estate assets for executors and beneficiaries. These loans facilitate early access to inheritance funds without personal credit checks. Available for paying inheritance tax liabilities, estate administration costs, and beneficiary advances. Repayment occurs upon estate settlement with no personal liability for shortfalls.

People

Norman Phillips

Managing Director

Problem-solving expert with 25+ years' experience in complex mortgage cases. Specialises in creative financing solutions for property investors and developers. Leads strategic direction while maintaining hands-on client involvement.

Rachel O'Brien

Operations Director

Ensures operational efficiency across all mortgage transactions. Manages team coordination and process optimisation while maintaining direct client oversight. Brings 20+ years' experience in mortgage operations management.

Mark Lanario

Senior Specialist Consultant

Head of holiday let and development finance with specialist knowledge since 2006. Provides expert guidance on short-term let mortgages and complex property development funding requirements.

Kerry Santucci

Senior Mortgage Consultant

Award-winning broker specialising in residential and buy-to-let mortgages. Recognised for exceptional client service and expertise in first-time buyer and portfolio landlord solutions.

Sean Horton

Digital Marketing Consultant

Co-owner responsible for digital strategy and online mortgage platform development. Combines mortgage expertise with technology innovation to enhance client accessibility and service delivery.

Questions

What mortgage types do you specialise in?

We specialise in buy-to-let, holiday let, commercial, and bridging mortgages, along with probate loans and development finance. Our expertise covers both residential and investment property financing.

Are your mortgage advisers qualified?

All our advisers hold full qualifications and have minimum 20 years' experience. We maintain FCA regulation (FRN 207532) ensuring professional standards and client protection.

Can you help with complex mortgage cases?

Yes, we specialise in non-standard cases and complex lending requirements. Our team has extensive experience with self-employed mortgages, portfolio landlords, and unique property financing.

Do you charge mortgage arrangement fees?

Yes, fees range from £495 to £850 depending on case complexity. We provide full fee transparency during initial consultations and before proceeding with any mortgage application.

How quickly can you arrange a bridging loan?

We typically complete bridging loans within 7-14 days. Our fastest completions occur within 48 hours for straightforward cases with clear exit strategies and adequate security.

Can I apply remotely without face-to-face meetings?

Yes, we conduct all services remotely via phone, email, and secure digital platforms. Our technology-enabled process maintains full compliance while eliminating the need for in-person meetings.

Reviews (5)

Write a Review

Rebecca Tremlett

Oct 04, 2021 Report

Positive:Professionalism,Quality,Responsiveness
Could not recommend Drake Mortgages enough. Kerry and Dawn worked tirelessly for a year through the lockdown period until we finally secured a property. Always happy to help and run through things when needed.

Lucy Harris

Aug 27, 2021 Report

The mortgages I needed for two properties at the same time were far from straightforward and most banks rejected our application. However, Kerry didnt give up and worked tirelessly to obtain them. In 25 years of property purchases I have never dealt with more brilliant mortgage advisors and I shall be using Kerry and her team at Drake Mortgages for all future property acquisitions.

Jennifer Davis

Jul 14, 2021 Report

Kerry has been amazing from beginning to end so no hesitation whatsoever in recommending her. She delivered a first class job.

Kate Holden

Jun 29, 2021 Report

Great service - a very attentive and responsive team.
Kerry went above and beyond for us when securing our first mortgage. Her expertise and guidance made a stressful and uncertain time (especially due to Covid) run as smoothly as possible - we couldn't have done it without her. Highly recommend!

Bhupendra Shahi

Feb 22, 2021 Report

Kerry is amazing without her support I would be able to buy my new home . I feel lucky to find her.