Capital Assure

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Expert Mortgage Advisors Specialising in Kent

We help you find the most suitable deals from our extensive panel of UK lenders and insurers.

Your home may be repossessed if you do not keep up repayments on your mortgage

The Right Mortgage for You

Looking to buy a home, or remortgage, in Kent or Essex? We can help!

Our expert mortgage advisors offer the best advice to enable you to find the best mortgage for your needs and get you into your dream home. Our experienced professionals work with over 70 UK lenders, meaning they have access to thousands of mortgage products, which makes finding you the best solution easy.

Whether you’re moving home, a first-time buyer, remortgaging or product switching, we’ll search the market and competitive panel of lenders to find you the most competitive deal for your circumstances. Need a buy-to-let mortgage? We can help with that too!

We work for you, not the lenders, so we always have your best interests at heart. Just need advice? We are advisors so there is no obligation to use our services, you can just give us a call for a chat without any hard sell.

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Loans Approved

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Insurances Approved

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Happy Clients

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Years of Experience

Our Mortgage Services

No matter your mortgage needs, our experienced advisors will guide you through the process, ensuring that you secure the best possible mortgage product for your situation. Contact us today to discuss your mortgage requirements and explore the various options we have available.

First-Time Buyer Mortgages

Designed specifically for those who are new to the property market, these offer competitive interest rates and flexible terms. We work with you to find a mortgage that suits your financial situation, helping you get on the property ladder with ease.


Our re-mortgage products are ideal for homeowners who wish to switch to a new mortgage deal, to save money with a better interest rate or to release equity. We assess your current financial situation and recommend the most suitable re-mortgage option.

Buy-to-let mortgages

Aimed at property investors and landlords, our buy-to-let mortgages provide financing for purchasing rental properties. We offer a range of mortgage products, ensuring that you can find the perfect solution for your investment goals.

The financial conduct authority does not regulate most Buy to Let Mortgages

Moving home mortgages

If you’re planning a move, our moving home mortgages provide a seamless transition from your current mortgage to a new one. We take care of the entire process, helping you find the right mortgage deal to ensure a stress-free move.

Product Switching

For those who want to change their existing mortgage product, our product switching service offers a simple and cost-effective solution. We analyse your current mortgage and find the most suitable alternative based on your financial goals.

Specialist Finance

Our comprehensive range of lenders can assist you with a range of specialist finance including bridging loans, custom builds and self-builds. Just let us know your circumstances and we’ll do the rest.

Our Other Services

For enquiries relating to protection & insurance products, including life insurance, critical illness, income protection, home insurance and buy-to-let insurance, as well as personal loans or equity release, let us know and we can refer you to a trusted third party.

We are not authorised to provide advice for equity release products. This will be passed to a suitably qualified and authorised specialist. To understand the features and risks ask for a personalised illustration. An equity release product will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefit. Depending on the adviser you are referred to, there may be a fee for equity release advice the value of which will be confirmed at any initial meeting.

Our Lenders

Happy Customers

We’re proud to offer expert mortgage advice for people based in Kent, Essex and the home counties.

Lawrence, our mortgage advisor was extremely helpful, answering every question we had and he took the time to explain every step along the process. I would definitely recommend Lawrence and Capital Assure.
A Waheed
A Waheed
I am using Capital Assure Lawrence Jennings to last two mortgage fixed rate offer and very happy with their services.
Deukumar Gurung
Deukumar Gurung
Lawrence kept on informed about my ongoing mortgage and gave me perfect advice to reserve advance to secure the right price.
wendy winchester
wendy winchester
Lawrence was very helpful and exceptionaly efficient would throughly recommend him to anyone looking for a competitive and speedy mortgage
Emily K
Emily K
This is the second time I have used Capital Assure, Lawrence made sure to break down the jargon and was transparent about my options, ensuring I had confidence in my decision.
Mo Ferhatovic
Mo Ferhatovic
Lawrence was very useful in helping me decide how to proceed with my mortgage during the current economic climate. Very professional and knowledgeable service provided with a straightforward application process.
Jalaludin Ahadzada
Jalaludin Ahadzada
One of the best I can’t fault them at all. Been using this company for 3 years thank you

We welcome all credit scores to apply!

Regardless of your Credit History, your loan rates and terms will be determined based on your current circumstances. So we welcome all Credit scores to Apply.

Our experts search for the most suitable deal from a panel of 70 UK lenders

Debt Consolidation Consolidating debt may reduce your outgoings now, but you may end up paying more overall. Your home may be repossessed if you do not keep up repayments on your mortgage

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. if you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Capital Assure is an appointed representative of PRIMIS Mortgage Network, a trading Name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.


As a broker we process the information you provide us and we may pass this onto our trusted third party lenders and brokers. All credit is subject to you being a UK resident, aged 18 or over and subject to your personal circumstances. All lenders operate responsible lending policies and as such credit is subject to status and affordability. For our advice services, we will charge a fee of percentage rate charged 1% of the mortgage a subject to a maximum
of £1,000 For example, a mortgage of £100,000 would mean a fee of £1,000. If you are staying with the same lender
for a product switch, then we will not charge a fee.

Raising additional funds or just simply bettering your current mortgage deal? a remortgage provides a number of advantages for saving money. Remortgaging is a convenient way to raise capital (where equity is available). Equity is the difference between the balance of your mortgage and your property value. With a remortgage you can release equity and even increase borrowing under a new first charge mortgage arrangement. How much you can borrow will depend on how much equity you have available, and how much the lender is prepared to make available to you after assessing your ability to afford the mortgage payments etc.

Every lender monitors and updates its mortgage products almost daily in line with the governing economy, such as the housing market, currency rates or policies that are set by the Bank of England. All mortgages are subject to rate changes, and you're unlikely to be offered the same terms as your existing mortgage, whether you're on a variable rate or fixed. It's good advice to put loyalty aside and get the best deal on a re-mortgage that fits your needs, which may save you hundreds each month.

It is usually the case that using capital improve your property makes good financial sense in the long run. Making home improvements and renovating your property has the potential to add value. There are so many other reasons why you may consider a remortgage to raise money. It may be needed to support a family member or finance a personal project, and in some cases to repay expensive debts. As long as there is a legitimate reason for borrowing, a re-mortgage can in many cases be an ideal way to raise finance.

Funds secured on your home has always attracted the best rates advantages compared with unsecured loans or credit cards as the risk is much lower. It's also an option that, in recent years, has seen huge competition between lenders resulting in even more competitive rates being offered. A remortgage will just effectively replace your current existing mortgage, and because it is a new agreement, you may benefit from exceptional rates or an introductory offer. You could get a lower rate that is fixed for a period, or a discounted rate. However you must take into account early repayment charges that may apply to your current mortgage. Rates fluctuate, and finding the lowest rate isn't the only thing to consider when judging one mortgage against the other.

Capital Assure will be able to source you the best mortgage quote from the panel of lenders used by the broker your information is passed to. We partner with various brokers strategically to offer a great choice of UK mortgage lenders. Your application will be carefully examined and your needs matched to the lender who is most appropriate for your needs.

Frequently Asked Questions

We will call you and run through all your specific details such as income, expenditure, credit history and most importantly, what you want to achieve. With this information, we can select the most appropriate lender offering the most competitive deal.

There are a host of various options which we will discuss with you. Some of the options will be relevant and some will not. It is our job to help you understand these options and to explain what is available.

A variable rate is the lender's standard interest rate that they will charge you for your loan and can go up or down depending on what happens in the economy. Most lenders will link their variable rates to the Bank of England base rate. A fixed-rate means you secure an interest rate for a set period, so if the variable rate goes up or down, your rate remains the same.

The amount you can borrow is determined by the amount you earn, the amount of debt you are paying for and the years over which the mortgage can be repaid. This is a simple assessment which we will do for you.

The LTV is the percentage of the property on which you owe money on. In other words, if your property is worth £100,000 and your mortgage balance is £75,000 then your LTV is 75%. This percentage can have an effect on the interest rate offered by the lender because the more you owe against the property, the higher the risk.

There may be fees charged by the lender for the product we select, and there may be broker fees. Other costs can include valuation fees and solicitor costs. We will advise you of all the costs and let you know if any of these can be added to your mortgage.

Firstly, we have years of experience which allows us to guide you effectively and avoid any mistakes or delays, then we have the resources to search 1,000’s of deals from a huge amount of UK lenders to find you the best deal, and finally, we do all the hard work for you and liaise with the lenders on your behalf.

The basic requirements will be proof of income (payslips if you are employed, tax returns if you are self-employed and proof of any benefits received) and proof of expenditure (likely to be your bank statements showing the credits). The lender will assess your case and may ask for additional documentation of information which we will advise you about if required.

Depending on the complexities of the case the application should only take a few days. However, the whole process from start to finish usually takes around 4-6 weeks.