The Residential Mortgage Hub

The Residential Mortgage Hub - Mortgage Advice Kent | Mortgage118

Team Members

Meet our experienced team of mortgage professionals

Charlotte Harris

Mortgage Adviser

Team locked

Daniel Evans

Protection Specialist

Team locked

Awaiting broker claim/verification to unlock team profiles.

About The Residential Mortgage Hub

At The Residential Mortgage Hub, I focus on guiding clients through the intricacies of securing the right mortgage for their unique circumstances. Based in Gillingham, Kent, I am deeply rooted in the local market and well-versed in a wide range of mortgage types. My specialisations include adverse credit solutions, buy-to-let financing, commercial lending, and support for self-build projects, ensuring that I can assist a diverse clientele with varied needs. Navigating the mortgage landscape can be daunting, especially for first-time buyers or those looking to remortgage. I take pride in demystifying the process and providing clear, step-by-step guidance. From understanding Help to Buy schemes to exploring options for holiday lets, I ensure you are informed about your choices at every stage. My approach is to assess your financial situation comprehensively before recommending the most suitable pathways, whether that’s for residential properties or investments. For expats and those interested in development finance, I leverage my knowledge of the market to provide insights that can make a significant difference in your mortgage application. I understand the specific challenges faced by clients with adverse credit histories and work diligently to find options that align with your financial goals. With a focus on the South East, I have built strong relationships with lenders, which enables me to navigate the complexities of commercial and residential mortgages effectively. I am committed to providing a seamless experience, ensuring that you feel supported and informed from the initial consultation through to the completion of your mortgage. At The Residential Mortgage Hub, my mission is to empower you with the knowledge and resources needed to make confident decisions regarding your mortgage. Let’s work together to find the best solution for your needs.

Specialisations

Adverse CreditBuy-to-LetCommercialDevelopmentExpatFirst Time BuyersHelp to BuyHoliday LetsRemortgagesResidentialSelf Build

Languages Spoken

🇬🇧English

Reviews & Ratings

Google

5(208 reviews)

Silvia E

20 Feb 2026

I just want to say a heartfelt thank you to Gavin Carley and Ema Ball. I have been through a very long and stressful property purchase process and I appreciate all the support and help that they provided. Gavin is not only an excellent broker, but also a kind human being, who genuinely cared about me and my case, even though we never met in person. All my questions were answered promptly even late in the evening. I felt that I could trust him fully and this was very important for me. He even reached out after a couple of months to let me know that the mortgage rate had gone down and he revised my file, saving me at least 80£ per month - much appreciated. I am very grateful for having now finally completed. I am the proud owner of a beautiful first home. Couldn’t have done it without you! Thank you!

Mike Curtis-Dagg

5 Feb 2026

Gavin and Ema have been wonderful throughout the mortgage process. Clear and excellent advice at every step, would absolutely trust them again when I comes to renewal time. Superb.

Fitzgerald Honger

17 Dec 2025

The whole team at The Residential Mortgage hub was amazing, Tom, Ema and Fiona were on hand at every stage to offer support. Me and my partner really appreciated their patience and knowledge. We were really happy with the service.

Danish Syed

25 Nov 2025

It has been an absolute pleasure working with Gavin and Ema. From the initial consultation right through to completion, they kept me fully informed and even secured two improved deals along the way. Their fees are very reasonable, and the level of service is truly outstanding. I would happily recommend The Residential Mortgage Hub to anyone considering taking out a mortgage.

Affie

17 Oct 2025

Working with the residential Mortgage hub was an absolute game-changer in my home-buying journey. Their expertise and dedication went far beyond my expectations. From our first consultation, they took the time to thoroughly understand my financial situation and goals, explaining every step of the mortgage process in clear, simple terms.What truly sets them apart is their exceptional communication skills and responsiveness. They were always available to answer questions (even during evenings and weekends), and consistently kept me updated throughout the entire process. Their deep industry knowledge helped me secure an excellent rate, and they proactively identified potential issues before they became problems.