Meridian Mortgages
Canterbury
Mortgage advice covering commercial, buy-to-let, residential. Meridian Mortgages charges a broker fee.
Main contact
About Meridian Mortgages
Meridian Mortgages is a UK mortgage broker based in Canterbury. Its website describes mortgage advice for residential mortgages, buy-to-let, commercial finance. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Meridian Mortgages works across commercial, buy-to-let and residential from Canterbury — a focused listing led by commercial work.
Running commercial alongside buy-to-let usually points at landlord and business-owner clients — semi-commercial units, HMOs and portfolios rather than single flats.
Commercial
Commercial mortgages are underwritten case by case rather than from a rate table. Lenders look at the trading business behind the purchase, the property type and your experience, and terms are negotiated rather than advertised.
Buy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. Alongside commercial lending, that points at semi-commercial units and HMOs rather than single flats.
Read the buy-to-let guideResidential
Standard residential advice covers buying, moving and remortgaging on your own home — the bulk of UK mortgage lending, and the area where switching deal at the right moment usually saves the most. This firm keeps landlord lending separate, so be clear which of the two you need when you call.
Read the residential guideFees: what this means for you
Charges a broker fee
You pay this firm for its advice on top of the lender's product fee, valuation and legal costs. Ask for the amount, the point at which it becomes payable and whether it is refundable if the case falls through — firms must disclose this before you commit. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Meridian Mortgages
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2What is your fee, when is it payable, and do I get it back if the application does not complete?
- 3What deposit, trading history and security will a commercial lender want from me, and how long does a decision usually take?
- 4How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 5Based on my income and commitments, what is the realistic maximum here, and when should I be starting the next remortgage?
- 6Do you see clients at your Canterbury office, or is this handled by phone and video?
Getting in touch with Meridian Mortgages
Meridian Mortgages lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
Does Meridian Mortgages charge a fee for mortgage advice?
Yes. Meridian Mortgages is listed as fee-charging, so you pay the firm for its advice in addition to lender and legal costs. Ask for the exact amount, when it becomes payable and whether you get it back if the application does not complete. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does Meridian Mortgages handle?
Meridian Mortgages records commercial, buy-to-let and residential, working from Canterbury. Ask anyway if your case sits outside that list.
Does Meridian Mortgages arrange commercial mortgages?
Meridian Mortgages lists commercial lending as an area it covers. Commercial terms are quoted case by case, so expect to share business accounts, details of the property and your trading history before anyone gives you a rate. There is no published rate to compare against, which makes broker access to lenders more important than on a residential deal.
Does Meridian Mortgages only cover Canterbury?
Meridian Mortgages is listed in Canterbury, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Canterbury on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.