Fee-Free Expert Mortgage Brokers in Ashford, Kent and Across the UK

Whether you are a first-time buyer, moving home, looking to remortgage to reduce your monthly payments or considering buy-to-let, we can help you.

Freedom Mortgage & Protection Services was established with a clear goal: to offer clients expert, trustworthy advice combined with an exceptional level of service, to give freedom and peace of mind to know that you and your mortgage are in safe hands.

Based in Ashford, Kent, we are mortgage brokers who provide professional, fee-free mortgage and protection advice to clients looking to purchase or re-mortgage properties all over the U.K.

Registered with the Financial Conduct Authority, we are specialists in finding lenders who will meet your needs for a mortgage and can access some deals not available directly to the public.

So, whether you are a first-time buyer just starting out, looking to move, have complex income, limited self-employment trading history or are looking to purchase a non-standard property construction, we can help.

Freedom Mortgage & Protection Services

Freedom is not doing a job because we have to but because we love doing it!

With Freedom Mortgage & Protection Services, our clients are guaranteed to:

You might be tempted to look no further than your own bank or building society when thinking about getting a mortgage, but they will only tell you about their own product range, which means you may be missing out on better rates and the chance to save significant amounts of money every month. As an Appointed Representative of TenetLime Group we have access to a comprehensive range of lenders, some offering special rates only available through a mortgage broker. With access to software that allows us to quickly and easily compare available mortgage rates, we can save you time and money. Of course you could do this yourself and speak to every bank and building society, but this would be hugely time consuming and that’s what we are here for! Our expert knowledge of the mortgage market and lender criteria means we know which lenders to approach first depending on your circumstances.

With thousands of mortgage and protection products to choose from, it can be difficult to know where to start, particularly if you are navigating the mortgage maze as a first-time buyer! Following a full and comprehensive assessment of your affordability, taking in to account all applicable income and expenditure, we will look to maximise your potential mortgage borrowing whilst ensuring you are not overstretched beyond your means. There is no point buying a lovely new home if you have nothing left in the bank to enjoy it! The lowest mortgage rate isn’t always necessarily the cheapest or most suitable for you and your financial circumstances. We will provide you with clear written explanations as to why we are recommending a particular mortgage deal and/or protection product to you and answer all of your questions along the way.

Our fee-free mortgage and protection service means that you immediately save money by using Freedom Mortgage & Protection Services. When we arrange a mortgage on your behalf, we are paid a procuration fee (or introducer fee) by the mortgage lender. This is usually paid to us upon completion of your property purchase or remortgage and is clearly outlined to you before we proceed with any mortgage application on your behalf. Other mortgage advisors may charge you additional fees for using their services which means they are getting paid twice!! At Freedom Mortgage & Protection Services our clients come first – we are not greedy which means you save money by using us! You will still receive the same excellent level of service you would come to expect from a professional mortgage broker, you just don’t have to pay for it!

Freedom Mortgage & Protection Services

At Freedom Mortgage & Protection Services we are real people, we are not ‘robo-advisers’! You will speak to actual people not electronic chatbots which are used by many online mortgage advice services. With Freedom Mortgage & Protection Services you can be assured of personal and professional service at all times from your initial enquiry right through to completion of your mortgage and beyond. No matter where you live or where you want to buy a property in the UK, we can help.

Some may be a little wary of using a mortgage broker as they may fear losing control or be scared off by any extra hidden fees – we don’t charge you anything for using our services so no need to worry! Our job is to work for you to ensure your mortgage application progresses at pace, that you are kept fully informed of our progress at all times and that all your questions and concerns are answered in a timely manner. Access to the Personal Finance Portal, your online digital advice and personal finance management hub, will allow you to swiftly and securely provide any required documentation to us, track the progress of your mortgage application and communicate with us directly via secure messaging. Once we have all the information we need from you, we will handle all the paperwork and liaise with the lender on your behalf to ensure that your mortgage offer is issued as quickly as possible. So let Freedom Mortgage & Protection Services take the stress out of securing your mortgage and contact us today!

The completion of your mortgage is just the start of a lifelong relationship with you. We’ll make sure to get in touch with you ahead of the end of any fixed/variable rate period and look at the options available to you to either switch to a new product with your existing lender or remortgage should more attractive rates be available elsewhere.

About Us

Choosing the right mortgage broker is essential when looking to purchase a property or remortgage your home. You need to be able to trust your broker to provide you with straightforward, easy to understand advice, which is based on a full and comprehensive assessment of your current circumstances and goals. With Freedom Mortgage & Protection Services you can rest assured that your best interests are at the heart of everything we do.

Freedom Mortgage & Protection Services is based in Ashford, Kent and was established by Richard Hilditch and Suzanne Jaworska in early 2020. Having worked within the property industry since 1991 for a number of leading high street estate agents, Richard cultivated an extensive knowledge of buying, selling and renting properties in the UK. Qualifying as a mortgage and protection broker in 1999, he brings over 20 years’ experience of the mortgage industry to Freedom Mortgage & Protection Services. Richard’s vast knowledge of the mortgage market and lender eligibility criteria are second to none and his ability to put clients at ease, coupled with Suzanne’s exceptional organisation and administrative skills, mean that the Freedom Mortgage & Protection Services team will leave you confident and reassured that you and your mortgage are in safe hands.

It is our privilege to offer clients a superior level of service and support them through their mortgage journey – we very much look forward to supporting you too.

About Freedom Mortgage and protection sevices

We will help you navigate the mortgage maze


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    Download our helpful guides

    Welcome Guide
    Mortgage Guide
    Protection Guide