Business Details
10 Years
experience
Your Trusted Mortgage Advisers in Ashford
Established in 2016, we are a Directly Authorised mortgage advisory firm regulated by the Financial Conduct Authority. Our team brings over 100 years of combined experience in mortgage brokering, offering tailored solutions across the entire market. We specialise in matching clients with suitable mortgage products based on individual circumstances rather than simply searching for the cheapest rates. Our services extend beyond mortgages to include protection products from major insurers and equity release solutions for older homeowners.With streamlined processes and reduced paperwork, we provide a comprehensive service from initial advice through to completion, maintaining client relationships beyond the mortgage term. Our holistic approach to property ownership includes estate agency, conveyancing, and property management services. We prioritise personal service through telephone consultations and face-to-face meetings, offering free initial consultations to all clients.
Services
Mortgage Advice
Equity Release
Protection Products
Remortgaging
Conveyancing
Details
- Year established: 2016
Highlights and features
- We treat every case as an individual requirement
- Our team has over 100 years combined mortgage experience
- We find mortgages clients can actually obtain, not just cheapest rates
- We are whole-of-market advisers with complete lender access
- Advisers support clients from application through to completion
Associations and certifications
- Financial Conduct Authority
What people say
Personalised approach
Expert knowledge
Long-term support
Transparent advice
Professional service
Services
Mortgage Advice
Our mortgage advisory service provides tailored solutions for first-time buyers, home movers, and remortgagers. We assess individual circumstances to recommend suitable products from the entire market. Our FCA-regulated advisers maintain relationships throughout the mortgage process, ensuring clients obtain products they can actually qualify for rather than just cheapest rates.
Equity Release
We offer specialist advice on releasing equity from property for homeowners aged 55+. Our solutions include lifetime mortgages and home reversion plans. We explain how releasing tax-free cash affects inheritance and benefits, helping clients make informed decisions about using property wealth for home improvements, debt clearance, or family support.
Protection Products
Our protection services include mortgage payment protection, life insurance, and critical illness cover. We partner with major insurers like Legal & General to offer competitive rates. These products safeguard clients against unforeseen circumstances that might affect mortgage repayments, providing financial security for families and properties.
Whole of Market Advice
As whole-of-market advisers, we access all mortgage lenders and products. This approach ensures unbiased recommendations based on clients' specific needs. We explain different lenders' underwriting requirements and help clients navigate complex mortgage markets to find suitable financing solutions.
Conveyancing Services
Our integrated conveyancing service handles property legal work from purchase to completion. We coordinate with mortgage arrangements to streamline home buying processes. This holistic approach ensures consistent support through all property ownership stages, including legal documentation and ownership transfers.
People
Martin Wilkins
Managing Director
Certified mortgage adviser with over 40 years' experience in financial services. Founded the The Independent Mortgage Centre after working with Legal & General for 20 years. Specialises in holistic property solutions including sales, finance, and legal work.
Vanessa Fabian
PA to Managing Director
Supports the managing director with business operations. Brings 15 years' banking sector experience and expertise in HR and health & safety management. Ensures smooth running of business interests and staff wellbeing.
Damien Tonna
Mortgage Broker
Certified mortgage adviser since 1997. Previously worked as estate agent negotiator. Known for exceptional client care and attention to detail. Many clients return for repeat business or come through personal recommendations.
Gus De Rosa
Mortgage Broker
Certified adviser with extensive customer service experience from 17 years with Orient Express. Joined IMC in 2004 after corporate sector experience. Specialises in treating clients as individuals rather than transaction numbers.
Marc Vidler
Mortgage Broker
Certified adviser with over 35 years' experience in financial services. Specialises in mortgages and protection insurance. Has worked with Martin Wilkins since 1994, providing continuity and expertise to clients.
Questions
What mortgage services do you offer?
We provide whole-of-market mortgage advice for first-time buyers, home movers, remortgagers, and buy-to-let investors. Our services include mortgage selection, application support, and ongoing advice throughout your mortgage term.
Are you regulated by financial authorities?
Yes, we are Directly Authorised by the Financial Conduct Authority (FCA) with registration number 799135. This ensures we meet strict regulatory standards for mortgage advice and financial services.
Do you offer equity release advice?
Yes, we specialise in equity release solutions including lifetime mortgages and home reversion plans for homeowners aged 55+. We explain all implications regarding inheritance and benefits before any commitment.
Can you help with protection products?
We offer mortgage payment protection, life insurance, and critical illness cover through major insurers like Legal & General. These products protect your home and family against unforeseen circumstances affecting mortgage payments.
What areas do you serve?
Based in Ashford, Kent, we serve clients throughout Kent and the surrounding areas. Our telephone and online services allow us to assist clients nationwide with mortgage and financial advice requirements.
How are your mortgage advisers compensated?
We receive standard commission from lenders for mortgage arrangements. Our advice remains impartial as we work across the whole market, ensuring recommendations prioritise your needs over commission considerations.
