Mortgage Brokers
Maidstone
Your whole-of-market mortgage broker for Maidstone homebuyers, landlords and businesses
Residential Mortgages
A residential mortgage is a loan secured against a home you live in or plan to live in. You put down a deposit, borrow the rest, and repay it with interest over an agreed term.
Maidstone first-time buyers pay an average of £292,000, just under the £300,000 limit for first-time buyer stamp duty relief, so a 10% deposit means saving around £29,200. Whether you're buying your first home in Allington, moving up the ladder in Bearsted or remortgaging when your fixed rate ends, our Kings Hill advisers, around 15 minutes away, search the whole market and guide you through to completion.
Buy-to-let Mortgages
A buy-to-let mortgage is a loan secured against a property you let to tenants. Maidstone rents averaged £1,297 a month in August 2026, up 3.0% in a year, and as Kent's county town with direct trains to London, it draws steady demand from tenants.
Buy to let is one of our specialisms at MFB. We work with first-time landlords, limited company buyers, portfolio landlords and HMO investors, and we know which lenders suit each.
Commercial Mortgages
If you're buying or refinancing business premises or a commercial investment in Maidstone, from town-centre shops and offices to industrial units along the M20 corridor, you'll need a commercial mortgage. Lending criteria vary widely with the property and the business.
Our commercial mortgage brokers have long-standing relationships with commercial lenders on and off the high street, and we'll take your case to the most suitable lenders to find the right deal for you.
Bridging Finance
Bridging finance is short-term funding for time-sensitive property deals: auction purchases, breaking a chain, or refurbishing a property before refinancing onto a standard mortgage.
We help Maidstone landlords, developers, businesses and homeowners weigh up the costs, timescale and exit plan before approaching lenders.
Buying property in Maidstone
Maidstone homes sell for an average of £353,000, unchanged on a year earlier. Here's what that means if you're buying:
- First-time buyers pay an average of £292,000, just inside the £300,000 limit for paying no stamp duty.
- Home movers buying at the town average would pay £7,650 in stamp duty.
- Landlords buying an average £295,000 terrace would pay £19,500, including the 5% surcharge for additional properties.
- Rents averaged £1,297 a month in August 2026, up 3.0% in a year.
- Prices have held steady over the year to July 2026, while flat prices fell 2.8%, which can mean more room to negotiate.
Sources: house prices (July 2026, provisional) and rents (August 2026) from the Office for National Statistics. Stamp duty calculated using HMRC rates for England.
The Maidstone property market in numbers
1. House prices in Maidstone
- All homes - £353,000
- Detached - £611,000
- Semi-Detached - £378,000
- Terraced - £295,000
- Flats and maisonettes - £182,000
- First-time buyer purchases - £292,000
Source: ONS, Housing prices in Maidstone. July 2026 figures are provisional.
2. What stamp duty would you pay?
- A first-time buyer, average first-time buyer price of £292,000, would pay £0 in stamp duty
- A home mover to an average Maidstone home at £353,000, would pay £7,650 in stamp duty.
- A landlord, with an average terrace property at £295,000, would pay £19,500 in stamp duty.
Based on current SDLT rates for England. First-time buyer relief stops above £300,000, so a Maidstone first home just over that limit pays 5% on the amount above £300,000. Work out your own with our stamp duty calculator.
3. Buy to let in Maidstone
Rents averaged £1,297 a month in August 2026, giving a typical £295,000 terrace an indicative gross yield of around 5%. The rent figure covers all property sizes, so your own yield will depend on the property and its location.
- Kent's county town: Maidstone is home to Kent County Council's headquarters and Maidstone Hospital, both major local employers.
- London commuters: two railway stations, Maidstone East and Maidstone West, with direct services to London, and the M20 alongside the town.
- A steady market: average prices held level over the year to July 2026, while rents still rose 3.0%.
Learn more about your mortgage options:
What our clients say…
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Calculators
Our mortgage calculators help Maidstone buyers and landlords see how much they could borrow, what their monthly repayments might be and how much stamp duty they'd pay. They're a guide only; to secure a rate, speak to our team.
How much can I borrow? Buy-to-let Homebuyer Repayments Stamp Duty EPC Bridging
Areas we serve in Maidstone
Our Kings Hill office is around 15 minutes from Maidstone, and we help homebuyers, landlords and businesses right across the town with residential, buy-to-let and commercial mortgages and bridging finance. Meet us at the office, or work with us by phone and video.
We support clients throughout Maidstone and the surrounding villages, including:
- Maidstone town centre
- Allington
- Barming
- Bearsted
- Boxley
- Coxheath
- Loose
- Penenden Heath
- Tovil
- Weavering
- Headcorn
- Marden
- Staplehurst
CONTACT US
You can find us here
42 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4AJ
0345 345 6788
Why choose MFB
For more than 35 years, MFB has helped homeowners, landlords and commercial borrowers make informed mortgage decisions.
We provide:
- Whole-of-market mortgage advice
- Product transfer and remortgage comparisons
- Residential mortgage expertise
- Buy-to-let mortgage expertise
- Commercial finance expertise
- Dedicated adviser support
- Assistance from enquiry through to completion
Most importantly, we'll help determine whether a product transfer is genuinely the right option or whether a remortgage could save you money in the long term.
Meet your mortgage makers.
Talk to an expert
We’d love to help you with your property investment plans, so let us know what you’d like to do.
Frequently Asked Questions
Do you have a mortgage advisor in Maidstone?
How much deposit do I need to buy in Maidstone?
Will I pay stamp duty on a Maidstone home?
Is Maidstone a good place for buy to let?
Can you help with buy-to-let mortgages?
Do you offer commercial mortgage advice?
Can you help with bridging finance?
How do I get started?
Ready to find your mortgage
The quickest way to find the right mortgage is to speak to someone who understands your situation. Please submit your contact details below to request a call back from one of our qualified mortgage brokers. If there is a particular date or time that you’d prefer to be contacted, please let us know in the message box.