Mortgage advice for Kingston upon Thames
Mortgage broker
in Kingston upon Thames.
Fee-free for most cases. See when fees apply
Mortgage advice for Kingston upon Thames, Surbiton and New Malden. We compare mortgages from 90+ lenders and handle the paperwork with you, in plain English.
We’re based in Brentford and advise Kingston clients by phone, WhatsApp and online.
Or call 020 8090 2043
5.0 · 538 customer reviews
Rated 5.0 / 5
538
customer reviews
FCA authorised and regulated
Financial Services Register 925226
Access to 90+ lenders
Independent, not tied to any bank
Open 9am–9pm, seven days a week
Call 020 8090 2043 or WhatsApp us
Based in Brentford, West London
Local advice across London and beyond
Why a local broker
Six reasons people
call us first.
Fee-free for most cases
The lender pays us commission, so most clients pay no broker fee. Where one applies, we agree it in writing first.
Five-star rated
538 client reviews across Google, Trustpilot and Reviews.io, from across West London and beyond.
Kept updated
You hear from us at every stage rather than having to chase. We are here 9am to 9pm, seven days a week.
Local knowledge
We advise buyers and homeowners across Kingston, Surbiton, New Malden and Norbiton from our Brentford office, by phone, WhatsApp and online.
Conveyancing panel
We can introduce you to solicitors we work with regularly, so the legal side starts without a delay.
FCA regulated
MariannaFS is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 925226) in respect of mortgage and insurance mediation activities only. Every adviser is qualified.
How can we help in Kingston?
Start with what you need. We’ll take it from there.
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First-time buyer
Clear, expert advice on your first mortgage.
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Remortgaging
Explore your options before your current deal ends.
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Moving home
Find the right mortgage for your next home.
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Buy to let
Mortgage advice for your property investment.
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Self-employed
Advice for the self-employed, including one year’s accounts.
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Insurance & protection
Cover for your home, income and family.
Local insights
What buyers ask
about Kingston.
Kingston upon Thames is a historic market town on the river, with a busy centre full of shops, cafes and restaurants. Trains reach London Waterloo in around half an hour, and the A3 connects you to central London and Surrey.
Green space is a big part of the appeal. Richmond Park, Bushy Park and Canbury Gardens are all close by, and the grammar schools, Tiffin School and Tiffin Girls' School, shape where many families end up looking.
First-time buyers often start in Norbiton or Worcester Park. Families tend to look at North Kingston, Kingston Hill and Surbiton for larger period homes on quieter streets, and New Malden is popular too. Kingston University also means we are often asked about buy-to-let, including student lets. We will talk through what your budget realistically reaches in each.
How a fee-free broker gets paid
Fee-free
mortgage broker.
No broker fee for most cases.
When we arrange a mortgage, the lender pays us a commission, like all mortgage brokers. Most brokers charge their clients a fee on top, typically from £495 up to 1% of the loan. We choose not to, for most cases.
We are a fee-free broker for most cases. Fees may apply on complex cases, including adverse credit, company buy-to-let, visa applicants and loans under £250,000, and will always be confirmed in writing before you commit.
Other mortgage costs to be aware of.
Please note that lender arrangement fees, valuation fees and legal costs may still apply to your mortgage. We will always explain the full cost of any mortgage we recommend before you apply.
Specialist situations
Not every case
is straightforward.
- Self-employed Sole trader or limited company, we’ll look at lenders who consider your kind of income.
- Company buy to let Including SPV structures. We’ll look at lenders who consider limited company applications.
- Remortgaging with bad credit We’ll look at lenders who consider adverse credit, and explain what it means for the rate.
- Mortgages on a visa We’ll look at lenders who consider applicants on a work visa or with limited UK residency.
Today’s mortgage rates
Updated 11 October 2026
Lowest initial rates on our lender panel today, based on a £100,000 repayment mortgage over 25 years on a £200,000 property (50% loan to value).
Best first-time buyer mortgage rates
| Lender and product | Initial rate | APRC |
|---|---|---|
 Fixed until 31 Dec 2028 · £575 a month · £1,099 fees | 4.85% | 7.05% |
 Fixed until 02 Jan 2029 · £587 a month · £999 fees | 5.04% | 6.49% |
| Monmouthshire Fixed for 24 months · £587 a month · £1,010 fees | 5.04% | 7.76% |
Representative example: a £100,000 repayment mortgage over 25 years with Halifax at 4.85% fixed until 31 Dec 2028, then 7.24% variable. 26 monthly payments of £575, fees £1,099. APRC 7.05%. The total amount payable is shown with the full product details.
All first-time buyer ratesBest remortgage rates
| Lender and product | Initial rate | APRC |
|---|---|---|
Fixed until 31 Dec 2028 · £586 a month · £999 fees | 5.03% | 7.08% |
 Fixed until 31 Jan 2029 · £588 a month · £999 fees | 5.06% | 6.26% |
| Monmouthshire Fixed for 24 months · £588 a month · £1,010 fees | 5.06% | 7.76% |
Representative example: a £100,000 repayment mortgage over 25 years with Halifax at 5.03% fixed until 31 Dec 2028, then 7.24% variable. 26 monthly payments of £586, fees £999. APRC 7.08%. The total amount payable is shown with the full product details.
All remortgage ratesAs a mortgage is secured against your home, it may be repossessed if you do not keep up the mortgage repayments.
Rates change and what you’re offered depends on your circumstances. Lender fees may apply; a broker fee only in the cases explained above. These examples are not an offer of credit.
APRC is the annual percentage rate of charge: the overall cost of the mortgage over its full term, including fees, shown as a yearly rate. Compare it alongside the initial rate and the fees.
How it works,
step by step.
Step 1: Tell us your plans
Two quick questions, then a call at a time that suits you.
Step 2: We do the research
We search 90+ lenders and explain our recommendation and why.
Step 3: We secure your mortgage
Our team completes the application and keeps you updated through to completion.
Meet Milton and the team
A mortgage is personal.
Your advice should be too.
You’ll deal with a small team who take the time to understand your circumstances. We pride ourselves on the close relationships we build with each and every client, from the first conversation to your mortgage offer and beyond.
- Advice shaped around your circumstances
- Help with the application and paperwork
- Someone to speak to, 9am to 9pm, seven days a week
A selection of recent reviews
Different circumstances.
The same five stars.
Reviews.io “As first-time buyers, I discovered Mariana FS through social media, Milton and Nelson were professional, approachable, and incredibly supportive throughout our mortgage journey. They patiently explained any fees, payments structure and mortgage options, ensuring we felt informed and comfortable every step of the way. The transparency, expertise, and genuine willingness to help us find the right lender made what could have been a stressful process feel smooth and manageable. We always felt valued, supported, and in safe hands. We would highly recommend Mariana Financial Services to anyone looking for a reliable, trustworthy, and customer-focused mortgage broker, especially first-time buyers seeking honest advice and exceptional service.”
Dias L
Read the full review
6 October 2026- Reviews.io
“Excellent service from Marianna FS on the remortgage of my properties. The team was quick, transparent and responsive throughout, and they got me a great deal. Highly recommended!”
Amit M
Read the full review
24 September 2026 - Reviews.io
“The whole team at MariannaFS have been absolutely fantastic to work with. Milton, Nelson and Jeanal were really supportive, helpful and patient throughout the whole mortgage and home purchase process. We got good info along the way about mortgage process, different product offers and also genuine guidance in helping us decide on the right offer that met our needs. The team also helped us with recommending solicitor, surveyor and mortgage insurance which made the entire process stress free for us. Thanks to the entire team at MariannaFS!”
Glenn
Read the full review
17 September 2026 
Google “Excellent Support Throughout a Very Complex Remortgage I would highly recommend Mariana. My remortgage was far from straightforward and involved a number of unusual and complicated issues which took several months to resolve. Throughout the whole process, Mariana was patient, responsive and supportive. Even when things became difficult and time-sensitive, she continued to follow up and work with me until we finally reached the finishing line. I particularly appreciated that she stayed involved throughout such a long and challenging case rather than simply giving up when complications arose. Thank you, Mariana, for all your help, patience and support. Five stars and very well deserved.”
Jhino P
Read the full review
4 September 2026- Reviews.io
“I and my husband had a great experience with Marianna Financial Services as a first-time homebuyer. Milton & his team especially Jenal & Nelson was helpful, patient, and always happy to answer my questions. They made the whole mortgage process easier and gave us the confidence along the way. I’m really happy with the service and would definitely recommend them to everyone. To be honest it’s a very trustworthy company to go with. May grow much bigger.”
Anthea F
Read the full review
29 August 2026 - Reviews.io
“MatiannaFS are Specialist in mortgage advice for the self-employed. Being turn down by big broker firm I found Mariannafs as local mortgage broker in Ealing. Milton and team have the expertise to find a mortgage for me as sole trader and limited company. I would highly recommended them to anyone need mortgage advice .”
Panagiotis A
Read the full review
12 August 2026 - Reviews.io
“Happy with the service, would reccomned. They went above and beyond for me”
Hiral
Read the full review
31 July 2026 - Google
“Great to work with MariannaFs. The staff are fantastic, are always ready to help. In particular Milton is go out of way to asisst you. Nelson is prompt in response.”
Rajesh T
Read the full review
29 July 2026 - Google
“I would like to say that once again Marianna FS have been outstanding the speed and efficiency in which they processed my mortgage application was incredible. They are very proactive and approachable always willing to help and provide a great overall service I would recommend highly and would definitely go back to them in the future”
Afzal F.
Read the full review
25 July 2026 - Reviews.io
“Good stuff”
S t
Read the full review
20 July 2026
Kingston questions
The questions
we hear most.
Still unsure about something? Ask us directly. We answer questions all week, 9am to 9pm.
Is it worth using a mortgage broker?
A bank can only offer its own mortgages. A broker can compare options from across the market and explain which suit your circumstances and why. We look at 90+ lenders, handle the application and paperwork with you, and keep you updated through to completion. If your current lender’s deal is the best fit, we’ll say so.
Why use a mortgage broker for Kingston instead of going to my bank?
Your bank can only recommend its own products. We compare mortgages from 90+ lenders and look at the fees, criteria and flexibility, not just the headline rate. We advise buyers and homeowners across Kingston, Surbiton, New Malden and Norbiton from our Brentford office, by phone, WhatsApp and online, so you don’t need to travel to see us.
Do you charge a fee?
When we arrange a mortgage, the lender pays us a commission, like all mortgage brokers. We are a fee-free broker for most cases. Fees may apply on complex cases, including adverse credit, company buy-to-let, visa applicants and loans under £250,000, and will always be confirmed in writing before you commit.
How much deposit do I need to buy in Kingston?
It depends on the property, your income and the lender. Many lenders ask for at least 5% to 10% of the purchase price, and a larger deposit usually opens up lower rates. Some cases need more: buy-to-let often needs around 25%. Whether it’s a flat in Norbiton or a family home in Surbiton, tell us your budget and we’ll show you what different deposits would mean for you.
Can I get a mortgage on a work visa if I’m buying in Kingston?
It can be possible. We’ll look at lenders who consider applicants on a work visa or with limited UK residency. Their criteria are usually stricter, for example a larger deposit or a minimum time left on your visa, and we’ll explain what that means for the rate. A broker fee may apply on visa cases, and we confirm it in writing before you commit.
020 8090 2043
Open 9am–9pm, seven days a week
A little clarity
goes a long way.
Explore all mortgage guides -
Getting started
Buying your first home
Know what to expect, from preparing your deposit to making an application.
Read the guide -
Your next deal
Planning a remortgage
Understand the questions to ask as your current mortgage deal comes to an end.
Read the guide -
Your circumstances
Mortgages when self-employed
Get familiar with the information lenders may ask for.
Read the guide
More answers to common questions
Ready to begin?
Tell us a little about your plans and our expert broker will be in touch shortly. We’ll explain your options, and any fees, before you commit to anything.
What would you like to do?
Prefer to talk? Call 020 8090 2043
