Lucy Ingram – Trusted Mortgage Broker in Sittingbourne, Kent.

Are you looking for mortgage brokers in Sittingbourne to help you secure the right mortgage? I’m Lucy Ingram, an experienced mortgage and protection adviser, dedicated to assisting individuals and businesses in finding the most suitable mortgage solutions.

With over two decades of experience in the financial services industry, I specialise buy-to-lets, commercial, bridging and development finance. Starting my career in 2002, I have honed my expertise in providing tailored financial advice and solutions that meet diverse client needs.

As a successful business owner, I have grown my company into a thriving enterprise, managing a team of brokers and building a robust client base through strategic networking and excellent customer service. My firm prides itself on delivering personalised, comprehensive advice while fostering long-term client relationships.

Mortgage Services Available in Sittingbourne and Nearby Kent Towns

Lucy Ingram supports clients across Sittingbourne and nearby Kent towns, including:

• Faversham

• Gillingham

• Rainham

• Maidstone

• Rochester

• Chatham

These areas are well-suited for commercial, buy-to-let, and semi-commercial investments due to transport links and housing demand. Find a Mortgage Broker in Sittingbourne

Bridging Finance Specialists in Sittingbourne

Sittingbourne clients often turn to bridging loans for time-sensitive property transactions. Bridging finance is ideal for:

• Auction property purchases

• Chain-break solutions

• Conversions and refurbishments

• Land acquisitions or planning projects

• Securing new property before selling your existing one

Bridging loans usually last from 3 to 18 months and require a clear repayment plan. Lucy explains the fees, exit strategy, and security requirements in plain terms. Each application must meet FCA guidelines and lender-specific conditions, including exit strategy evidence and acceptable credit standing.

Buy-to-Let and HMO Mortgage Advice in Sittingbourne

Lucy supports landlords buying single lets or Houses in Multiple Occupation (HMOs). In Sittingbourne and Kent, HMO investments are growing due to rental demand and commuter popularity.

Each lender has rules for:

• Room sizes

• Licensing

• Tenant types

• Property valuation

• EPC ratings (usually a minimum of E or higher)

Whether you’re letting to students, professionals, or through a company, Lucy sources options from over 90 UK lenders.

Commercial and Semi-Commercial Mortgage Advice

Sittingbourne offers opportunities for investors seeking shops with flats above, office conversions, or small warehouse units. Semi-commercial properties need specific lender assessment, covering both residential and commercial use.

Lucy will guide you through:

• Minimum income and deposit requirements

• Interest-only or repayment choices

• Property type criteria (freehold, leasehold)

• Business tenancy terms

Expect transparency on valuation methods and legal checks. All mortgage advice follows UK regulatory and affordability guidelines.

Limited Company Mortgages for Property Investors

Many landlords in Sittingbourne choose limited company mortgages for tax planning. These mortgage types are subject to stricter scrutiny by lenders.

Lucy helps you:

• Understand how personal guarantees affect borrowing

• Prepare required documents like SPV accounts

• Match lender policy to your company setup

• Avoid pitfalls like unacceptable SIC codes or newly formed SPVs

These options suit landlords with multiple properties or those looking to scale under a company structure.

General Insurance Support for Property Owners

Lucy also arranges insurance that protects your investment:

• Buildings and contents

• Landlord cover

• Loss of rent

• Employer and public liability

All insurance recommendations are aligned with lender rules and local risk assessments, such as flood zones or subsidence areas in Sittingbourne and Kent.

Why Choose Lucy Ingram in Sittingbourne, Kent?

• Based locally with insight into Sittingbourne’s commercial and rental trends

• FCA-authorised mortgage broker providing regulated advice

• Specialises in complex cases involving limited companies, HMOs, and bridging loans

• Works with more than 90 lenders including high street and specialist names

• Offers help in both English and Mandarin for wider community access