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The Mortgage Files Ltd

We are committed to ensuring our clients receive the best, professional and independent mortgage advice across Kent and the South East.  

We offer advice on Residential and Buy to Let Mortgages and Remortgages, along with life insurance and mortgage protection (including Critical Illness and Income Protection).

Being independent allows us to be able to offer products from the whole of market, in addition we have access to broker-only lenders and exclusive products. 

We provide:

  • Free initial Advice: Preliminary advice, illustrations/quotes and lending decisions in principle will be provided at no cost .  
  • Advice: our advice is impartial, unlike high street banks and building societies
  • Duty of care to you: We are fully regulated by the Financial Conduct Authority and as such are obliged to ensure that customers are treated fairly and recommended best and most appropriate advice
  • Knowledge: extensive knowledge of the constantly changing mortgage market 
  • Convenience: We save your time by consulting with lenders, solicitors, surveyors and estate agents after application on your behalf.

We are happy to be contacted by text, whatsapp, email or phone 7 days a week.   Additionally we offer weekend and evening appointments.

Get in Touch


Here is what our clients had to say. Read more reviews.

The Mortgage Files is an appointed representative of Julian Harris Mortgages Limited, Julian Harris House, Musgrove, Ashford, Kent, TN23 7UN, which is authorised and regulated by the Financial Conduct Authority. Julian Harris Mortgages Limited FCA Register number is 304155.

Think Carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients.  Full details of the FOS can be found on its website at