Mortgage Brokers in Camberley
Whatever part of the UK you live in it’s important to get the right advice for your mortgage.
If you live in Camberley, Surrey, or are moving into the area it can be helpful to work with a whole of market mortgage adviser who is nearby.
If you’re looking for a quaint town to settle down in with plenty of history and character, Camberley in Surrey is well worth a visit. Located around 30 miles southwest of London, the town has a population of just over 40,000 and is home to a mix of old and new architecture. From grandiose manors to modern shopping centres, there’s something for everyone in this vibrant community.
What is Camberley famous for?
One of the things Camberley is most famous for is its close proximity to the world-renowned Wentworth Golf Club. This championship course has hosted some of the biggest tournaments in golf, including the Ryder Cup, and is a mecca for golfers from all over the world. If you’re a fan of the sport, or just looking for a beautiful place to stroll around, Wentworth is well worth a visit.
Camberley is also home to the Royal Military Academy Sandhurst, where Britain’s army officers are trained. Prince Harry trained at the academy in 2005 as an officer cadet and after finishing his training, was commissioned as an army officer. If you’re interested in military history, or just want to see where some of the country’s most impressive buildings are located, the academy is well worth a visit.
Property in Camberley
Camberley is a Victorian town and as such many of the properties reflect this period of architecture. There are a number of grand manors and large homes that would have originally been built for wealthy families. These properties often come with extensive grounds and are located in some of the most desirable areas of Camberley.
The most sought-after areas are Diamond Ridge and Crawley Hill with their larger detached houses, with more affordable terraced options available near Frimley Road or Yorktown, to the West of the town centre.
Will I need a mortgage broker?
Due to the property prices it is likely that most buyers will require a mortgage to finance their new home. While it is possible to approach a lender yourself for a mortgage, we would recommend using an experienced adviser to make sure your arrangement is as good as it can be.
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 Camberley, Guildford and Surrey.
What types of broker are there?
There are two types of broker that can help you with your mortgage:
- Whole of market mortgage brokers will have access to deals from across the market, meaning they are more likely to find a highly competitive mortgage that meets your needs.
- Mortgage advisers who work for a particular lender can only offer you products from that one lender.
What does “whole of market” mean?
When a mortgage broker says they are whole of market, they mean that they can offer products from the entire mortgage market. This includes deals from high street lenders, as well as smaller building societies and challenger banks that you may not have heard of.
This gives borrowers a huge choice from which to pick a great deal.
What types of mortgage borrowers can a broker deal with?
Most brokers will be able to deal with a wide range of mortgage borrowers, from first-time buyers to seasoned property investors. However, some may have specialist knowledge in a particular area, such as buy-to-let mortgages or self-build finance.
Brokers excel at helping borrowers whose circumstances are more complex, such as self-employed people or those with a less than perfect credit history. This is because they have a good understanding of the different types of mortgage available and can access deals that aren’t available on the high street.
Why would anyone use a broker?
There are a number of reasons why you might want to use a mortgage adviser:
- They can save you time: Applying for a mortgage can be a time-consuming process, particularly if you approach a number of lenders yourself. A broker can do this legwork on your behalf and provide you with a shortlist of the most suitable deals.
- They can improve your chances of getting a mortgage: As well as having access to a wide range of deals, brokers also have a good understanding of the lending criteria used by different lenders. This means they can match you with a lender that’s more likely to accept your application.
- They can save you money: Mortgage brokers have access to a number of exclusive deals that aren’t available on the high street. This means they could save you a significant amount of money over the course of your mortgage.
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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.
Right to Buy
If you are a local authority tenant and want to buy the property you’re living in using the Right to Buy scheme, we can help you find the best mortgage deal.
Guarantor / JBSP
If you are struggling to qualify for the mortgage you need, or don’t have enough deposit, then perhaps a guarantor mortgage could help.
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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