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.
The most expensive place to buy in Kent
There's no point being coy about what the Sevenoaks market looks like on paper. It is consistently the most expensive place to buy anywhere in Kent, with an overall average sitting around £546,000 and that number has been rising steadily. But for first-time buyers the picture is more nuanced than that headline suggests. The average paid by first-time buyers in early 2026 was around £414,000, which reflects the supply of flats and smaller homes that exist below the wider market average. It's a stretch, but for buyers with a strong deposit and the right mortgage structure it's not out of reach.
The reason people make that stretch is usually one of two things, or both. The first is the schools. Sevenoaks has some of the best secondary provision in the South East, including selective grammar schools that draw buyers from across a much wider area. The second is the commute. Direct trains from Sevenoaks into London Bridge take as little as 23 minutes, which is one of the fastest connections to the City or the West End from anywhere in Kent. For buyers who factor in commuting costs and journey time alongside the mortgage, Sevenoaks often works out closer to comparable than it first appears.
Navigating a competitive market with expert support
Sevenoaks attracts buyers who are well-prepared, and you need to be the same. At Mortgage Matters, we'll look carefully at your deposit, your income, and your full financial picture to identify what's genuinely achievable, and then we'll search across more than 70 lenders to find the most competitive deal for your situation. We know which lenders are more flexible on certain income types and which products suit buyers at this price point. We'll handle the application from start to finish, and with our estate agency network behind us we can support your property search in and around Sevenoaks too.