Business Details
Your Trusted Mortgage Broker in Maidstone, Kent
At Andrew Ray Mortgages, we prioritise your experience throughout the property journey. Whether you're a first-time buyer or an experienced investor, we specialise in delivering expert mortgage solutions tailored to your unique needs. Our independence from commercial ties allows us to focus solely on securing the best rates and deals from the entire intermediary market. We provide comprehensive support beyond mortgages, including legal referrals, insurance advice, and lifetime client assistance.With decades of combined experience, our team understands lender criteria and client aspirations, ensuring a smooth, cost-effective process. We are authorised and regulated by the Financial Conduct Authority, offering transparency, ethical practices, and multilingual support to serve diverse clients.
Services
Mortgage Advice
Remortgaging
Buy to Let Mortgages
Insurance Services
Legal Referrals
Bridging Finance
Life Insurance
Critical Illness Cover
Highlights and features
- We are FCA-regulated for compliance and client protection.
- We offer access to the entire intermediary mortgage market.
- Our team has decades of combined mortgage advisory experience.
- We provide lifetime support for existing clients.
- We offer multilingual assistance in Lithuanian and Russian.
Associations and certifications
- Financial Conduct Authority
What people say
Expert guidance
Stress-free process
Multilingual support
Lifetime support
Competitive rates
Services
Mortgage Advice
We provide tailored mortgage advice across the entire intermediary market, ensuring access to competitive rates and deals. Our FCA-regulated team specialises in first-time purchases, remortgaging, and buy-to-let mortgages. Clients benefit from a stress-free process and lifetime support for ongoing property needs.
Remortgaging
Our remortgaging service helps clients secure better rates, reduce payments, or release equity. We assess individual circumstances to recommend optimal solutions, ensuring a seamless transition with minimal disruption to your financial plans.
Buy to Let Mortgages
We specialise in buy-to-let mortgages, including limited company structures, to support property investors. Our expertise ensures competitive financing options tailored to rental income goals and portfolio growth strategies.
Insurance Services
We offer life insurance, critical illness cover, income protection, and property insurance to safeguard clients against unforeseen circumstances. Policies are tailored to individual needs, ensuring comprehensive protection for families and investments.
Legal Referrals
We connect clients with trusted solicitors and surveyors to facilitate smooth property transactions. This includes legal checks, structural assessments, and other specialist services required during property purchases.
People
Andrew Ray
Founder
With over two decades in financial services, Andrew specialises in mortgage broking. His deep understanding of lender criteria ensures clients receive tailored mortgage solutions aligned with their long-term goals.
Steven Knapp
Mortgage and Protection Advisor
Steven has a decade of experience guiding clients through mortgages and protection plans. His personable approach and expertise make complex processes accessible, ensuring confidence and clarity for clients.
Monika Jankauskaite
Mortgage Advisor
Monika transitioned from administration to become a qualified mortgage advisor. She supports clients in Lithuanian and Russian, simplifying homeownership journeys for non-English speakers with empathy and expertise.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let mortgages, bridging finance, and insurance services.
Are your mortgage advisors regulated?
Yes, we are authorised and regulated by the Financial Conduct Authority for compliance and client protection.
Do you charge for mortgage advice?
An advice fee of £395 applies only on successful mortgage completion.
Do you support non-English-speaking clients?
Yes, we offer assistance in Lithuanian and Russian for clearer communication.
What insurance products do you provide?
We offer life insurance, critical illness cover, income protection, and buildings/contents insurance.
