A cathedral city & student market
Canterbury's universities keep demand strong for flats and HMOs, while families compete for houses in Wincheap and St Stephen's. We advise on both.
How we work with Canterbury buyers
No high-street office, just a trusted mortgage broker in Canterbury.
Fancy a chat?
No obligation. We’ll be in touch within one working day.
Thanks, request received.
We’ll be in touch within one working day.
Looking for a mortgage broker in Canterbury? We'll be straight with you: City Mortgage Solutions Limited doesn't have an office on the Canterbury high street. What we do have is a whole-of-market advice team who work with Canterbury buyers every week, by phone, video and email, around your schedule.
The mortgage market is national, so the lenders and rates open to you are exactly the same as any local broker can access. What matters is the quality of the advice and knowing your market, and that travels down a video call perfectly well.
Lenders compared
90+
Whole of market
Google rating
5.0
From UK-wide clients
Initial consultation
Free
No obligation
Appointments
Flexible
Evenings available
What clients say
Canterbury buyers, advised remotely
Rated 5.0 on Google by clients across the UK.
Where our Canterbury clients buy
Across Canterbury and east Kent
Select an area to see the kind of buyers we help there. Wherever you are, you get the same advice by phone or video.
Where we help
City Centre
Flats and period homes within and around the city walls, popular with professionals, students and investors alike.
Canterbury market snapshot
The Canterbury market at a glance
A quick read on local prices to help you budget before you start viewing.
Average sold price~£340kCanterbury district
First-time buyer~£295kTypical FTB price
Home-mover average~£400kTypical mover price
Typical flat~£230kCity-centre flats
Indicative averages based on recent local market data. Please confirm current figures with ONS / HM Land Registry before publishing.
The advisers you'll work with
A dedicated team for your Canterbury move
You won't be passed around a call centre. You'll be matched to one of our experienced advisers and stay with them from first call to completion.
Helen is based in Billericay, advising first-time buyers, movers and people remortgaging. Nearly 20 client reviews on our site.
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Leanne advises on mortgages and protection in Upminster, with more than 10 client reviews on our site.
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Stephen is our Hornchurch broker, working with local buyers, movers and homeowners.
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Tracy has over 20 years in financial services, including 13 at Barclays, and advises on mortgages and protection across Chelmsford, mid-Essex and the wider UK.
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Greg covers Kent from Rainham. Home movers, landlords and remortgages make up much of his work.
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From Maldon, Martin covers the Blackwater villages for buyers, movers and landlords. 30 client reviews on our site so far.
WhatsAppEvery adviser is CeMAP-qualified and advises across the whole of the market by phone and video.
Simple from the first call
Advice for Canterbury buyers, wherever you're sitting
Three clear steps, jargon translated, and one adviser who stays with you from first call to the day you get the keys.
1
A free, no-pressure chat
Whether it's a first flat near the centre or a family home in Wincheap, we'll talk through what you can borrow and your options, no obligation, evenings available.
2
The whole market, searched
We compare 90+ lenders, recommend the right fit in plain English and arrange your agreement in principle so you can move quickly on a Canterbury home.
3
Managed to the keys
We manage the paperwork, chase progress on your behalf and work alongside your solicitor so the mortgage keeps pace with the legal side.
Local knowledge that matters
Buying in Canterbury: what we see in your market
From period homes within the city walls to new build and coastal property nearby, we factor the local picture into your advice.
Stamp Duty (SDLT)
We'll estimate your Stamp Duty Land Tax, including first-time-buyer relief and the surcharge on second homes, as part of your total costs before you offer.
Period & listed property
The city has plenty of older and occasionally listed homes. Valuations and criteria vary, and we match your property to a lender comfortable with it.
Commuter links to London
High-speed services from Canterbury draw commuters. Being ready with an agreement in principle helps you move fast when the right home appears.
Why use a broker
Your own bank offers its range. We compare the market.
Going direct to one lender is fine. It’s a single shelf. See the difference when our advisers are on your side of the table.
With City Mortgage Solutions
Whole of market- Deals compared across 90+ lenders, including broker-only rates
- Advice on which lender suits your income, deposit and credit profile
- Agreement in principle before you offer, so you're ready to move fast
- Application managed end-to-end, alongside your solicitor and agent
- Protection reviewed alongside the mortgage, not as an afterthought
Going direct to one bank
- Only that bank's own products, however the market compares
- You self-select the lender before knowing if their criteria fit you
- Appointment lead times set by branch and call-centre availability
- Progress-chasing across bank, valuer and solicitor sits with you
- A declined application can leave a mark before you try elsewhere
Your home may be repossessed if you do not keep up repayments on your mortgage.
Access to over 90 lenders, including
Authorised and regulated by the Financial Conduct Authority
HalifaxNationwideNatWestSantanderHSBCBarclaysSkiptonAccordCoventryVirgin MoneyAldermoreLeeds BSTSBPreciseKent RelianceKensingtonHalifaxNationwideNatWestSantanderHSBCBarclaysSkiptonAccordCoventryVirgin MoneyAldermoreLeeds BSTSBPreciseKent RelianceKensington
Common questions
Canterbury mortgage questions, answered straight
No. We're a UK-wide brokerage rather than a high-street Canterbury office, and we advise buyers across the city and east Kent every week by phone and video. The mortgage market is national, so your lenders and rates are the same as any local broker's, the difference is the quality of advice.
Yes. Most Canterbury clients now prefer it. You share documents securely online, book appointments around work including evenings, and deal with the same adviser throughout.
Yes. We advise across Canterbury and east Kent, from student-let flats and city-centre homes to family houses in Wincheap and St Stephen's, and out to Whitstable and Herne Bay. Local prices, property types and demand all feed into your advice.
Yes. With two universities, Canterbury has a busy student-let and HMO market. We arrange buy-to-let and HMO mortgages, in personal names or through a limited company, across specialist and mainstream lenders.
Your first consultation is free and without obligation. Any fee on your case is explained clearly and in writing before you commit.
Typically four to four-and-a-half times income, with deposit, credit and affordability all playing a part. We'll give you an accurate figure and an agreement in principle, usually within a few working days.
Usually within 24 hours, by phone or video and including evenings, so you're offer-ready when the right Canterbury home appears.
Free, no-obligation consultation
Let’s find a time that works for you.
Tell us when suits and one of our advisers will be in touch within one working day, or message us on WhatsApp. Evening appointments available, around your schedule.
Thanks, request received.
An adviser will call you back within one working day.