Capital Assure

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Welcome to Capital Assure

First Time Buyer Mortgages in Folkestone

Competitive first-time buyer mortgage deals from a competitive panel of UK lenders

First Time Buyer Looking for a Mortgage?

First-time buyer mortgages are specifically tailored to help individuals take their first step onto the property ladder. As a specialist mortgage broker, we understand the unique challenges and concerns that first-time buyers may face, and we’re here to offer expert guidance and support throughout the process.



With a variety of mortgage options available, including lower deposit requirements and government-backed schemes like Help to Buy, Shared Ownership, and Lifetime ISAs, we’ll work closely with you to find the ideal mortgage solution for your needs.



Our dedicated advidors are committed to simplifying the mortgage process for first-time buyers, providing clear explanations and advice to help you navigate the journey with confidence. Taking your first step onto the property ladder can be as daunting as it is exciting, so let us help turn your home-owner dream into reality.


1st Time Buyers

Moving home


Product switching

Buy to Let

Independent Advisors

Located in Rochester, Kent, we take pride in our extensive lender network, which includes access to over 70 UK lenders. This powerful resource helps us secure the most competitive mortgage deals for your needs.


Whether you’re considering remortgaging, moving home, or product switching, our highly skilled mortgage advisors is dedicated to assisting residents throughout Kent, Essex and the home counties. Our customers range from first-time buyers to those seeking specialist buy-to-let arrangements, and beyond!

Why Choose Us?

Capital Assure is an appointed representative of PRIMIS Mortgage Network. As an independent mortgage broker, we work for you and not the lender.

First Time Buyer Mortgages Near You

Although we now work remotely, the Capital Assure is based in Kent. With our roots in Rochester, we inevitably help a lot of people in and around Medway. But, we know and love our county, and we’re proud of the reputation we’ve built up in places like Ashford, Bromley, Canterbury, Dartford, Dover, Folkestone, Gravesham, Maidstone, Sevenoaks, Thanet, Tonbridge, and Tunbridge Wells (not to mention nearby Essex).

Regardless of where you’re based, if you’d like to have a chat about any type of mortgage, we’re open 9 am – 7 pm (Mon-Fri) and 10 am – 5 pm (Sat). Drop us a message here, or give us a call!

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

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.

    You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

    By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

    Get a quote now!

    We’ll find you the best possible deal

    Get in touch with us to find right mortgage from our huge network of lenders, even if you have poor credit.

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