Zdravka Stefanova – Your Trusted Mortgage Broker in Swanley, Kent

Are you searching for a Mortgage Adviser in Swanley who can guide you through the home-buying or remortgage process? I’m Zdravka Stefanova, a dedicated mortgage adviser committed to helping individuals and families secure the most suitable mortgage solutions tailored to their needs.

Expert Mortgage Advice Tailored to You

With extensive experience in residential and buy-to-let mortgages, remortgaging, and bridging finance, I offer advice beyond what’s available directly from lenders or online comparison sites. My goal is to help you find a mortgage solution that suits your financial situation while making the process as straightforward as possible.

Whether you are a first-time buyer, an experienced homeowner, or an investor, I provide clear and honest guidance every step of the way. By working with a broad panel of lenders, I can access a variety of mortgage options, including exclusive deals that may not be available elsewhere.

Swanley is one of the key areas where Zdravka Stefanova offers tailored mortgage advice. Whether you’re buying, remortgaging, or investing, Zdravka provides support backed by local knowledge and lending experience. She specialises in residential, commercial, semi-commercial, buy-to-let, HMO, bridging finance, limited company mortgages, and general insurance.

Mortgage Advice for Swanley and Beyond

Zdravka serves a range of towns in and around Kent, including:

• Sidcup

• Dartford

• Orpington

• Sevenoaks

• Bexleyheath

• Bromley

Clients in Swanley benefit from clear advice shaped by local property trends and lender expectations. Whether you’re securing your first home or expanding a property portfolio, she ensures every step complies with UK criteria. Find a Mortgage Broker in Swanley

Residential Mortgages in Swanley, Kent

Zdravka helps first-time buyers, home movers, and remortgagers find suitable deals. She works with lenders who support buyers with low deposits, varied income, or credit issues. Her guidance ensures your documents meet lender standards from the outset.

Buy-to-Let and HMOs

Swanley and nearby areas attract strong rental demand. Zdravka offers solutions for both standard buy-to-let and Houses in Multiple Occupation (HMOs). She can also assist landlords applying as individuals or through limited companies.

HMO applications require specific property criteria and licensing rules. Zdravka makes these clear and helps you present your case correctly.

Commercial and Semi-Commercial Mortgages

If you’re buying retail units, offices, or mixed-use premises, Zdravka sources mortgage options from lenders who understand the Kent market. Semi-commercial properties, such as flats above shops, need specialist advice due to valuation methods and lender policies. She ensures all applications meet commercial lending standards.

Bridging Finance – A Deep Dive

Bridging loans are short-term finance solutions used when speed is essential. These are ideal for:

• Buying before selling

• Property auctions

• Unmortgageable properties

• Chain breaks

Zdravka helps clients in Swanley arrange bridging loans with realistic exit strategies. She explains interest roll-ups, retained interest, and regulated vs. unregulated bridging. Applications must be accurate, especially where timing or development is involved.

She works with lenders who move quickly and understand planning permission, renovation needs, or title concerns.

Limited Company Mortgages

Many landlords now purchase properties through limited companies. Zdravka offers guidance on:

• SPVs (Special Purpose Vehicles)

• Tax-efficient structuring

• Director guarantees

• Portfolio growth

She ensures your application reflects company ownership correctly and matches HMRC guidance and lender standards.

General Insurance – Protecting Your Property

Zdravka provides access to building and contents insurance that meets lender requirements. Whether it’s residential or commercial property, she ensures UK-regulated insurers fully underwrite policies.

Why Clients Choose Zdravka in Swanley

• Access to high-street and specialist lenders

• Help with complex cases, including credit issues or self-employment

• Transparent fees with no hidden costs

• Local knowledge of Swanley and Kent’s surrounding towns

• FCA-regulated advice tailored to your goals

Bilingual Broker – English, Macedonian, Bulgarian

Zdravka is fluent in English, Macedonian, and Bulgarian, which allows her to explain mortgage terms clearly to speakers of those languages. Clients can discuss finances confidently, avoiding misunderstandings during the application process. This is especially helpful for first-time buyers or landlords new to the UK market.

Trusted Broker for Swanley and Kent

Zdravka Stefanova provides guidance that matches both client needs and lender policies. She offers bespoke support whether you’re purchasing a flat in Swanley, a semi-commercial building in Bexleyheath, or an HMO in Orpington.

With strong lender relationships and deep regional knowledge, she delivers results with professionalism and care.