Mortgage Brokers in Guildford
Wherever you live in the UK it’s important to get the right advice for your mortgage.
If you live in Guildford, or are moving into the area it can be helpful to work with an independent mortgage adviser who is nearby.
If you’re looking for a mortgage broker in Guildford, Surrey, you’ve come to the right place. Advice is available for a wide range of mortgage products and services, including:
- Mortgages for first-time buyers
- Mortgages for home movers
- Remortgages
- Buy to let mortgages
Guildford is an historic market town in Surrey, England. The town has a population of around 80,000 and is the seat of the borough of Guildford. Guildford is home to the University of Surrey and Guildford Cathedral. The town is situated 27 miles southwest of London. Served by two stations, rail links are excellent with the fast Guildford to London Waterloo train averaging around 35 minutes.
The housing in Guildford is a mix of old and new. There are many Victorian and Edwardian terraced houses as well as more modern developments. The average house price in Guildford is £580,684 (rightmove, 2022).
If you’re thinking of buying a property in Guildford, or anywhere else in Surrey, then speak to a mortgage broker to get expert advice on the best mortgage product for your needs.
Respect Mortgages works with one of the largest and most respected independent mortgage brokers. They have been in business for over 45 years and have qualified advisers all over the UK, including Guildford, Woking, Camberley, Dorking, Reigate and Leatherhead..
What does a mortgage broker do?
A mortgage broker is a qualified professional who represents borrowers in the process of securing a mortgage. Mortgage brokers work with a variety of lenders to find the best mortgage deal for their clients
The role of the mortgage broker is to
- Assess your financial situation and figure out how much you can afford to borrow
- Shop around for the best mortgage deals from a range of lenders
- Explain the different types of mortgages and their features
- Help you fill out mortgage application forms
- Liaise with the lender on your behalf
Why would you need a mortgage broker?
There are a number of reasons why you might need a mortgage broker
You might not have time to shop around for the best mortgage deal yourself. A mortgage broker can do this for you and save you a lot of time and effort
You might not be sure which type of mortgage is right for you. A mortgage broker can explain the different options and help you choose the best one for your needs
You might not be sure how much you can afford to borrow. A mortgage broker can assess your financial situation and give you an idea of how much you could borrow
You might not be familiar with the mortgage application process. A mortgage broker can help you fill out the forms and make sure everything is in order
What types of mortgage can a broker deal with?
Mortgage brokers can deal with a wide range of mortgage products, including
- Fixed rate mortgages
- Tracker mortgages
- Discounted rate mortgages
- Capped rate mortgages
- Offset mortgages
- Flexible mortgages
- Buy to let mortgages
- Self build mortgages
- Commercial mortgages
If you’re not sure which type of mortgage is right for you, a mortgage broker can explain the different options and help you choose the best one.
How do brokers get paid?
Mortgage brokers are paid a commission fee by the lender. This is a percentage of the loan amount and is usually paid just after completion of the mortgage. Some mortgage brokers may also charge a fee for their services. This will be agreed in advance and should be clearly stated in the broker’s contract.
How to find a broker in Guildford
There are a number of ways to find a mortgage broker in Guildford. You could ask family and friends for recommendations, or search online.
When you’re looking for a mortgage broker, it’s important to make sure that they are qualified and regulated. You can check this by asking to see their credentials or searching for them on the Financial Conduct Authority (FCA) website.
A wide range of mortgage options
LOOKING AFTER YOUR BORROWING NEEDS
Buy to let
Competitive buy to let mortgages that include options for SPV borrowing, purchase, remortgage or capital raise.
Holiday Let
Specialist advice for UK holiday let mortgages including Furnished Holiday Lets, Airbnb and mixed use properties. Solutions for purchase, remortgage and develop.
Moving Home
Take the stress out of finding a moving home mortgage by letting our brokers arrange that for you.
Second Homes
A second home mortgage will allow you to purchase a UK holiday home for you and your family to enjoy.
Remortgages
Time to remortgage? Switch your mortgage to a new lender and grab yourself a new interest rate at the same time.
First Time Buyer
All the help you need getting onto the property ladder and buying your first home. Including a cracking mortgage deal, sourced just for you.
Equity Release
An equity release lifetime mortgage can provide a tax-free lump sum or ongoing sums of money that you can spend however you wish.
Specialist Mortgages
Multiple streams of income, employment status, size of mortgage or perhaps an unusual property? Let’s get to work…
Mortgage Guides
Our mortgage guides will help you understand and compare different mortgage products whether you’re starting out, moving, remortgaging or buying to let.
Insurance
Making sure you, your home and your mortgage are protected against the unexpected.
Mortgage Calculators
Our easy to use mortgage calculators can help you at every stage of your mortgage journey. From working out what you could borrow to calculating the Stamp Duty.
SPV Mortgages
Rather than buying an investment property in their own name, many investors are now choosing to do this through a Special Purpose Vehicle limited company, or SPV.
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