What’s the minimum deposit I need?

Most lenders require at least 5%, but putting down more can unlock better rates and lower monthly payments.

Do I need to speak to a mortgage broker?

We can introduce you to a regulated mortgage broker where advice is required. They’ll recommend the right mortgage based on your specific needs.

How long does the process take?

On average, it takes 4 to 8 weeks from mortgage application to offer — but it can vary depending on the lender and legal process. We’ll help keep things moving.

Can I combine multiple pensions into one?

Yes — pension consolidation is common, but depends on your scheme types and if any benefits would be lost.

What if I don’t know where my pensions are?

We’ll help you track them down using pension tracing tools and provider contact checks.

Can I access my pension early?

Generally from age 55 (rising to 57 in future), but early access may reduce your future income.

Contact Us - Mortgage Broker Sidcup

COntact Us

Mortgage Calculator - Get an Instant Mortgage Quote

📞 Get in Touch

Whether you’re just starting to explore mortgage options or you’re ready to move forward, we’re here to help. Our team can answer your questions, provide guidance, and ensure everything is handled clearly and professionally from the outset.

Use the contact form, call us directly, or request a callback — whichever works best for you. We’ll be in touch shortly to talk through your situation and how we can assist.

We’re based in Sidcup and work with individuals and families across Blackfen, Foots Cray, and the surrounding Bexley area.

How Our Mortgage Calculator Works

Using our mortgage calculator is simple and straightforward. Follow these steps to get an instant mortgage quote:

1. Enter Loan Details

Input the loan amount you wish to borrow, the interest rate, and the loan term.

2. Choose Repayment Type

Select whether you prefer a fixed-rate or variable-rate mortgage.

3. Calculate

Click the ‘Calculate’ button to see your estimated monthly payments and total mortgage cost.

4. Review Results

Analyse the breakdown of your payments and adjust the loan details if needed to see different scenarios.

5. Get a Quote

If you’re satisfied with the estimate, you can proceed to get a personalised quote from NEXGEN .

Steps to Take After Using the Mortgage Calculator

Once you have used our mortgage calculator to get an estimate, here are the next steps you can take:

Review Your Budget

Ensure that the estimated monthly payments fit within your budget and financial goals.

Get Pre-Approved

Contact NEXGEN to get pre-approved for a mortgage, giving you a clear idea of how much you can borrow.

Compare Mortgage Products

Explore different mortgage products and rates to find the best option for your needs.

Consult with Advisors

Schedule a consultation with our mortgage advisors to discuss your options and get personalised advice.

Apply for a Mortgage

Once you’ve found the right mortgage, complete the application process with NEXGEN support.

REQUEST A CALL BACK - 0203 670 4096

Please feel free to complete our form and one of our friendly team will happily contact you.

Thank you James for your efficient dealing of our remortgage. The regular communication and easy to follow steps of what you needed or what was outstanding, really helped me, as I had 4 mortgages happening at the same time.

Phil West

James worked tirelessly to get us over the line with a complicated commercial BTL mortgage. Highly recommend.

Paul H

They worked on a recent mortgage for my company and we were very pleased with the result. They managed to jump through a number of hoops caused by our slightly unconventional deal and pulled together a solution better than our expectations. Will be using again!

Luke Silk

Excellent experience when financing a buy to let auction property through James and the team were excellent to deal with and guided us through the whole process with no stress what so ever! Beths knowledge and professionalism is second to none!

Cath Jones

Mortgage Broker Sidcup is an introducer service. We are not authorised or regulated by the Financial Conduct Authority and do not provide mortgage advice directly. All enquiries are handled by qualified, FCA-regulated mortgage advisers who offer tailored advice based on your individual needs.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

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NEXGEN Financial Services Limited (Company registration number: TBC)

Mortgage Broker Sidcup