Welcome to Capital Assure
The Trusted Mortgage Broker For Folkestone Residents
Competitive mortgage deals from a competitive panel of UK lenders
Kent-Focussed Mortgage Advisors
At Capital Assure, we take pride in offering a comprehensive mortgage advisory service that focuses on understanding your unique needs and financial goals. Our mission is to help you navigate the complex mortgage landscape, providing expert guidance and personalised solutions at every step.
Whether you’re a first-time buyer, looking to remortgage, or exploring buy-to-let investment opportunities, you can relax in the knowledge that our experienced advisors are focused on securing the most suitable mortgage for your circumstances.
We work with over 160 lenders, from high-street banks to specialist providers, ensuring access to the most competitive rates and terms. Combine this with honest, unbiased advice, and you’ll be making informed decisions at every step.
![Folkestone](https://capitalassure.co.uk/wp-content/uploads/2022/12/Folkestone-scaled-e1669909429372.jpg)
1st Time Buyers
Moving home
Re-mortgaging
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.
- Free independent advice with the UK’s most comprehensive panel of UK mortgage lenders
- Bad credit, self-employed, visa status, government help schemes, commercial, bridging and specialist finance.
- If you are looking for a loan, equity release or any kind of protection plans, then we have a referral network designed to assist you with the best possible advice
- 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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Mortgage Advice 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).
Our lenders
![accord mortgages logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-01.png)
![barclays bank logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-02.png)
![aldermore logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-03.jpg)
![bm solutions logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-04.jpg)
![bluestone mortgages logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-05-e1669808106656.jpg)
![bank of ireland logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-06.jpg)
![fleet mortgages logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-07.jpg)
![halifax bank logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-08.png)
![foundation home loans logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-09.png)
![hsbc logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-10.png)
![suffolk building society logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-11.jpg)
![natwest logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-12.png)
![kensington logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-13.jpg)
![nationwide building society logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-14.png)
![leeds building society logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-15.png)
![metro bank logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-16.webp)
![pepper money logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-17.jpeg)
![santander logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-18.png)
![platform lender logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-19.png)
![precise mortgages logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-20.png)
![skipton building society logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-21.jpg)
![saffron building society logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-22.png)
![the mortgage works logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-23.jpg)
![vida homeloans logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-24-scaled.jpg)
![virgin money logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-25.png)
![West One logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-26.webp)
![Zephyr Homeloans logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-27.png)
![TSB logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-28.png)
![United Trust Bank logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-29.jpg)
Happy Customers
We’re proud to offer expert mortgage advice for people based in Kent, Essex and the home counties
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.