Expert first-time buyer mortgage hunters for over 25 years
You're new to mortgages, but we're not. And, did you know that, with our vast network of estate agencies and lenders, we can even help you find a property as well as a great mortgage deal.
A town mid-transformation, and what that means for buyers
Folkestone occupies an interesting position in the Kent property market right now. It's a town that has been changing visibly and consistently, with the Creative Quarter regeneration bringing independent businesses, galleries, and cafes into an area that was previously underused, and developer and investor interest following behind. Average first-time buyer prices across the Folkestone and Hythe district sat around £252,000 in early 2026, which remains one of the more accessible price points in the South East for buyers who want coastal living and a workable commute.
The high-speed rail connection from Folkestone Central into London St Pancras takes around 53 minutes, which puts it firmly in commuter territory for buyers who are in the office two or three days a week. The town also sits close to the Channel Tunnel terminal at Cheriton, which adds a European dimension that is genuinely unique in Kent. For buyers who value location in the broadest sense, Folkestone has a lot to offer.
How we work with you
Folkestone is a market with genuine momentum behind it, and the buyers who tend to do best are those who have their mortgage properly sorted before they start looking seriously. At Mortgage Matters, we make that preparation straightforward. We'll go through your finances in detail, be honest about what's achievable, and search our panel of more than 70 lenders to find the right product for your situation. We stay involved through the entire process, and our estate agency connections across the area mean we can support your search too if that would help.