Richard Jones – Mortgage and Protection Broker in Tonbridge, Kent

Experienced Mortgage Adviser in Tonbridge, Kent

Richard Jones is a qualified and experienced mortgage broker based in Tonbridge, Kent, providing tailored advice for individuals, investors, and businesses. He specialises in residential, commercial, and semi-commercial mortgages, ensuring every client receives expert guidance that meets UK lending standards and supports long-term financial goals.

Residential, Commercial and Semi-Commercial Mortgages

As a trusted mortgage adviser in Tonbridge, Richard supports clients purchasing their first home, remortgaging, or investing in property. He also assists business owners seeking commercial or semi-commercial finance, using his knowledge of local lenders and property markets across Kent to secure competitive rates and suitable terms.

Buy-to-Let and HMO Mortgages

Richard offers practical support for landlords and property investors looking to expand portfolios through buy-to-let or HMO mortgages. He advises on rental income assessments, stress testing, and lender criteria, helping clients stay compliant with UK property and tenancy regulations.

Bridging Loans and Short-Term Finance

Specialising in bridging finance, Richard helps clients access short-term funding for property purchases, renovations, or auction deals. He provides clear advice on rates, timescales, and exit strategies, ensuring clients understand every detail of their bridging loan before proceeding.

Limited Company Mortgages and Development Finance

For investors purchasing through limited companies, Richard offers expert guidance on buy-to-let structures within limited company frameworks. He also supports developers seeking development finance for new builds, conversions, and refurbishment projects — aligning funding with construction stages and lender expectations.

Second Charge Mortgages, Protection, and General Insurance

Richard provides advice on second charge mortgages, enabling clients to release equity without changing their main mortgage. He also recommends suitable life insurance, income protection, and critical illness cover, along with home and business insurance, ensuring every client’s assets and income are protected.

Areas Covered Across Kent

Based in Tonbridge, Richard serves clients throughout Sevenoaks, Maidstone, Tunbridge Wells, Edenbridge, West Malling, and Paddock Wood. His understanding of the Kent property market allows him to match clients with lenders that best suit their goals and circumstances.

Contact Richard Jones

If you are looking for a knowledgeable and approachable mortgage broker in Tonbridge, Kent, get in touch with Richard Jones today. Whether you need residential, buy-to-let, or commercial advice, he offers professional guidance tailored to your financial goals.

👉 Contact Richard Jones to start your mortgage journey today.