Mortgage Brokers in Surrey

Total Result 35 - Page 1

Smart Mortgage Finance

Smart Mortgage Finance

20 Harvest Rd, Englefield Green , Egham , Surrey , TW20 0QS 01784 409112

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Acorn Financial Services (Surrey)

Acorn Financial Services (Surrey)

High Firs, 15a, The Crescent , Egham , Surrey , TW20 9PQ 01784 431634

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Oakhill Mortgage Services

Oakhill Mortgage Services

14 Updown Hill , Windlesham , Surrey , GU20 6AG 01276 489482

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Skipton Building Society

Skipton Building Society

4 Mercia Walk , Woking , Surrey , GU21 6XS 01483 761667

Skipton Building Society is a building society with branches nationwide specialising in investments and long term saving plans....

HSBC Bank plc

HSBC Bank plc

6 Commercial Way , Woking , Surrey , GU21 6EZ 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Rampart Services

Rampart Services

52a Horsell Moor , Woking , Surrey , GU21 4NJ 01483 797107

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Mortgage Force

Mortgage Force

11 Colyton Close , Woking , Surrey , GU21 3JE 01483 772346

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Frobisher Capital Ltd

Frobisher Capital Ltd

May Court, Links Business Centre, Old Woking Rd, Old Woking , Woking , Surrey , GU22 8BF 01483 771005

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Mortgage Bureau

Mortgage Bureau

34 High St, Knaphill , Woking , Surrey , GU21 2PY 0845 270 0600

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DMR Mortgage Services

DMR Mortgage Services

44 Strathcona Gardens, Knaphill , Woking , Surrey , GU21 2AY 01483 590132

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Haven Mortgage Solutions

Haven Mortgage Solutions

107 The Mayford Centre, Mayford Green , Woking , Surrey , GU22 0PP 01483 722544

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Oakwood Mortgage Services

Oakwood Mortgage Services

1 Farnham Rd , Guildford , Surrey , GU2 4RG 01483 549820

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Easylife Alliance

Easylife Alliance

Latour House, Chertsey Boulevard, Hanworth Lane , Chertsey , Surrey , KT16 9JX 01932 736541

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Capital Management Solutions Ltd

Capital Management Solutions Ltd

The Stables, Parvis Rd , West Byfleet , Surrey , KT14 6EY 01923 340821

We're an agency of Independent Financial Advisers based mostly within the South East of England, with bases in Surrey, Sussex, Kent, and Hampshire and with a lot of our clients based mostly within the...

Absolute Mortgages

Absolute Mortgages

12 West Grove , Walton-On-Thames , Surrey , KT12 5NX 020 7631 5809

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Me & My Adviser Ltd

Me & My Adviser Ltd

3000 Cathedral Hill , Guildford , Surrey , GU2 7YB 0845 0951234

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The Mortgage Lender Plc

The Mortgage Lender Plc

Centurion House , Weybridge , Surrey , KT13 0LZ 01932 859245

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Charcol

Charcol

ground floor, Tempus Court, Onslow St , Guildford , Surrey , GU1 4SS 01483 409800

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HSBC Bank plc

HSBC Bank plc

12a, North Street , Guildford , Surrey , GU1 4AF 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Absolute Mortgages

Absolute Mortgages

Fetcham Park House, Lower Rd, Fetcham , Leatherhead , Surrey , KT22 9HD 020 8338 8363

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If you are looking for mortgage brokers in Surrey, then you are in the right place. We are an online directory of mortgage brokers in the United Kingdom brokers who will assist you with the complete process of credit and mortgage in Surrey.

All the mortgage brokers in Surrey available on our directory are fully authorized and regulated by the financial conduct authority. They will offer complete mortgage in Surrey solutions including mortgage in Surrey advice, protection advice, and all other mortgage-related financial services. You can filter your search as per your occupation too. It does not matter if you are self-employed, employed or business owner, you can search for a broker with the needed expertise.

Getting a mortgage in Surrey is one of the riskiest financial decisions of your life if not executed with prudence. It involves huge risks added with complex terms and conditions. Hence, it is important to get it done the right way. For a first time buyer, it is even more complicated.

The following guide will help you ascertain if you should get a mortgage in Surrey advisor when to seek advice, where to get free mortgage in Surrey advice, how your bank might be able to help, and which comparison websites you can check.

How to choose the right mortgage in Surrey?

Mortgage in Surrey advice: Yes or no?

Risks of not getting mortgage in Surrey advice.
Speak to your bank and people you know
When to approach a mortgage in Surrey adviser
Browse through different websites
Factors to be considered before choosing a mortgage in Surrey

How to choose the right mortgage in Surrey?

The mortgage in Surrey market is incredibly competitive and fluctuating at the same time. With so many different products and options available from various providers, it gets quite difficult to come to a decision while selecting the best option for you. If you are among first-time buyers, everything is sure to go over your head.

However, there is no need to panic. The best and first is to approach your bank as well as a few independent mortgage in Surrey advisors, to see what they have to offer. These initial discussions will give an idea of what the market is currently offering, how it all works, and which are the options that could serve your best. They will also help you learn about the different mortgage in Surrey and protection features.

Given below is a guide that will navigate you through all the steps to help you study your options carefully before making a final decision.

Mortgage in Surrey advice: Yes or no?

It is always a good idea to get in touch with an advisor.

The Financial Conduct Authority of UK mandates every Lender (banks and financial institutions) and mortgage broker in Surrey to offer advice before recommending any mortgage for you.

Before giving out any suggestions, they will assess the level of mortgage in Surrey repayments you will be able to afford by analyzing your total income, debt consolidation, and day-to-day spending. They will do the required calculation and adjustment to determine the amount of mortgage in Surrey credit that suits your needs and financial capabilities to be able to keep up repayments on time.

Is it mandatory to go with your broker’s advice?

It is not mandatory to choose what your lender or broker suggests to you. You can select your deal as per your independent research and study too. Taking advice will definitely help you gain clear insights into all the aspects of the terms and conditions of the credit. It will provide you with the requisite answers you are seeking to select the best mortgage in Surrey for you.

When you choose your own mortgage in Surrey without seeking any kind of financial advice it’s termed as an “execution-only” application.

Risks of not getting mortgage in Surrey advice

It is an act of prudence to do your homework before availing of any financial services from your mortgage broker in Surrey. So, gather your financial information before you talk to lenders or brokers. the list of details that need to be ascertained is given as under:

If you are employed, then have your P60 forms (last 2 years) and last three payslips ready with you.
For self-employed people, have your tax returns duly certified by an accountant or professional adviser
Source of income: Take into account your income from all sources including regular, irregular, investments, and speculative income.

Evidence of daily expenses
Evidence of debts
You future affordability: This checks how you would be able to afford if there is an increase in the interest rate in the future
If you avail of a mortgage on the advice of your mortgage broker in Surrey, which turns out to be unsuitable for you later on, then you’ll have more rights when you make a complaint. You will enjoy the right to make a complaint of financial mis-selling if the advice you were given turned out to be unsuitable for you.

However, if you do not take any advice from your mortgage in Surrey advisor and go for it based on your independent research, you have to take full responsibility for your mortgage in Surrey decision if the same turns out to be unsuitable in the future.

Consequences of nontaking mortgage in Surrey advice:

If you end up with the wrong mortgage, you won’t enjoy any right to make a complaint of mis-spelling. your mortgage in Surrey will turn into bad credit and it will prove to be a financial disaster for you.
You might be rejected by your lender for selecting a mortgage in Surrey, which is not suitable as per your financial capabilities.
Hence, taking a decision after availing advice from your mortgage in Surrey advisors is the best choice especially for a first-time buyer if you want to avoid bad credit later on.

Speak to your bank and people you know

Speaking to your banks is always a good starting point because they know your financial situation inside out. They will always advise you with the best commercial mortgages to go for depending on your needs. They do not charge any fee for their advice as it is a part of their customer service.

You can also talk to their friend and colleagues to learn about their mortgages. They can brief you on the terms and conditions. You can see how their products stack up against the competition before making a final choice.

When to approach a mortgage in Surrey adviser?

A mortgage broker in Surrey or advisor is a specialist in mortgages in Surrey and possess in-depth knowledge of the market. They have the expertise and experience to study a wide range of mortgage in Surrey products before suggesting the best option.

It’s a good idea to speak to a few of them to know about the offers prevailing in the market.

There are three main types of mortgage in Surrey advisors in the market:

Advisors tied to a specific lender: They would provide you with mortgage in Surrey advice and deals from a specific lender only. they will not look at a wide range of options for you. They generally provide free mortgage in Surrey advice.
Tied to a limited list of lenders: As compared to a specific one, they would offer you financial solutions from a set of few lenders.
Not specific to any lender: They would look at various products from the whole market and provide you with a wide range of options based on your individual needs.
Advantages of using an advisor:
They’ll advise you based on your financial capability to make repayments on your mortgage in Surrey, thus ensuring income protection.
They can offer you attractive deals and offers, which are otherwise not available if you search for a mortgage in Surrey independently.
They will assist you with the paperwork, help you understand all the terms and conditions properly. Your applications get processed and approved faster.
They’ll help you take all the costs and features of the mortgage in Surrey into account, beyond the interest rate.
They should only recommend a mortgage in Surrey that is suitable for you and will tell you which ones you’re likely to get
You will enjoy protection in the future if the mortgage in Surrey proves unsuitable to you.
Finding a mortgage in Surrey advisor

Following are some of the top websites for finding details about mortgage in Surrey advisors in Surrey and other parts of the UK

Cherryfind.co.uk
bmadvisers.co.uk
landc.co.uk
Unbiased.co.uk
VouchedFor.co.uk
capitalfortune.com

Fees and charges

The fees and charges of a Mortgage in Surrey advisor will depend on the type of financial solutions and services you avail of. It also depends on the type of product you choose and the value of the mortgage in Surrey.

Some lender specific advisors may provide free advisory services because they receive a commission from their lenders on approved deals.

They will tell you the amount of fee they will charge and there won’t be in any hidden cost.

Once your broker makes a product recommendation they must give you a mortgage in Surrey illustration document(s). This document outlines the terms and conditions of the mortgage in Surrey along with the details of the loan. As it contains all the key facts on the mortgage in Surrey, it is usually called a key facts illustration.

European Standard Information Sheet
The European Standard Information Sheet provides s standard format of pre-contractual information that needs to be provided by a lender while issuing a mortgage in Surrey. The Mortgages Conduct of Business (MCOB) rules of FCA mandates every lender provide this document to their clients.

Factors to be considered before choosing a mortgage in Surrey:

What most people look for while going for a mortgage in Surrey is a low-interest rate. However, there are many other important factors that need to be considered before making a choice.

Some of the important factors are listed as under:

APRC: (Annual Percentage Rate of Charge): APRC is calculated by expressing the amount of mortgage in Surrey fees and interest rate as a percentage.
Deposit size: Generally lower interest rates are available with higher deposit amounts.
The standard rate: It is the rate your mortgage in Surrey will switch to once the fixed-rate deal ends.
Duration of interest?: Whether interest will be charged daily, monthly, or annually? Daily interest generally works out cheaper.
Flexibility of repayments: Can you overpay your mortgage in Surrey before time without being charged? Can you take a break from making payments if at any time you are amidst a financial crisis?

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