Our mortgage brokers are independent of any lender and offer a full spectrum of straight talking, expert financial advice. Perfectly positioned to help you with your mortgage requirements.
Access to the Whole Market
FREE* consultations
for Surrey
for Surrey
Convenient
Remote Appointments
Remote Appointments
Impartial Mortgage Advice
FT Top 100 Mortgage
Advisors 2022
Advisors 2022
Why choose Mortgage Brokers with SAM Conveyancing?
Whether you are making a purchase or remortgaging a property, using an impartial mortgage advisor saves you from being pressured by any specific lender, so you can choose the best deal available from the whole market.
We can offer you a free* initial consultation with our independent mortgage brokers at Advies. They search across the whole market to provide the best mortgage rates that match your needs and circumstances, with access to exclusive rates that can beat the high street lenders.
We are delighted to announce that Advies have been recognised by the Financial Times as being one of the FT Adviser UK Top 100 Financial Advisers 2022.
Our mortgage advisors attain the strictest Financial Conduct Authority standards, to ensure honest, competitive and fair services, to you.
Bank of England Base Rate
4.75%
Changed from 5% on the 7th November 2024.
How to get a mortgage in Surrey
Property prices in Surrey vary dramatically from one town to another. Detached houses consist a majority of sales, with the average price in Camberley being £804,686, or in Farnham being £1,019,125.
Location | 10% Deposit | What would your salary need to be? (estimated based on 4.5 times salary) |
Camberley | £80,468 | £160,937 or £80,468 per salary with a joint purchase |
Farnham | £101,912 | £203,825 or £101,912 per salary with a joint purchase |
Are you self-employed? 5 Tips for Getting a Self Employed Mortgage
The rate of your mortgage will affect your affordability assessment. Use our calculator to see how the current rate will affect your monthly payments.
Our Mortgage Broker Guide to getting a mortgage in Surrey
The mortgage application process has 4 stages regardless of which mortgage lender you use:
- 1Approval/Decision in Principal (AIP/DIP)
- 2Mortgage in Principal (MIP)
- 3Mortgage Valuation
- 4Mortgage Offer
#1 Top Tip
No credit history? Take out a small loan and repay it completely
If you've no credit history, your credit score will not be excellent because you'll have no track record of paying back a loan correctly. So you might want to take out a small loan – with small repayment amounts – and pay the loan back on time.
Once you've paid back the loan successfully, this will be reflected in an uplift in your credit score.
#2 Top Tip
No Deposit Mortgage
No deposit mortgages are designed such that the applicant gets a 100% loan to value (LTV) from the lender without having to provide the normal 10% deposit.
The applicant must, however, have an associate (most often a family member) who provides security for the mortgage loan normally by either agreeing to leave a sum of money in a linked account for a set period of time (the lender controls the account during that time period) or by putting up their own house as collateral.
If the mortgage holder defaults on repayments, the lender can remove funds from the linked account or force the associate to release value from their own home to make up the shortfall.
To find out more, click on No Deposit Mortgages
Let your mortgage lender know if you are needing to work to a deadline.
- If you are using a mortgage to purchase your home in Surrey and want to get completed quickly, your mortgage lender should be able to advise you on whether or not this is possible. This could influence your mortgage lender and the mortgage product itself.
- Taking a mortgage out can be a protracted process, especially since the Mortgage Market Review introduced greater restrictions, so it is important to get your valuation completed as soon as you can.
- This can be ordered via your bank or mortgage adviser, and it can take around 2 weeks to receive the valuation.
- Please note the mortgage valuation and a building survey are two different things.
Frequently Asked Questions: Mortgage Brokers Surrey
The role of a mortgage broker is to take your information and compare multiple deals from different lenders, based on your specific details, to find you the best option.
The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent Surrey mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent Surrey mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
Unless you have already found a mortgage product and aren't really interested in finding a better deal, it is always worth using a mortgage broker, and when your initial consultation is free with SAM Conveyancing, what have you got to lose?
Some homeowners want the convenience of borrowing with the same lender that they currently bank with. Even then, it is often worth going through a broker anyway, as they may be able to get you an exclusive offer from that very same bank that you won't have access to.
Most mortgage brokers make their money in a flat fee or a commission, which is paid to them by the lender. Some brokers charge a fee to the borrower which is normally payable as a flat fee, or it can be financed with the mortgage.
You'll need a mortgage approval in principle in order to budget, so you should get a mortgage broker before you start looking for houses and certainly before you make an offer on one. In fact, some people speak to a mortgage broker as soon as they decide to get serious about buying a home.
There's no need to meet a mortgage broker face to face. Our hand-selected mortgage experts offer convenient remote meetings by phone, for award-winning, national coverage.
A mortgage broker will be quicker purely based on their greater experience. They will be able to check your application to make sure it's not rejected for commonplace mistakes and they can steer you away from wasting your time applying for mortgage products or to lenders who are likely to turn you down.
*SAM Conveyancing has negotiated a FREE Mortgage Consultation with our panel mortgage broker. This allows you a free mortgage consultation to discuss your specific requirements and provide mortgage opportunities for the Service being requested. If you want to proceed with a formal mortgage application through your mortgage broker, then a mortgage application fee maybe payable. If there is a fee to pay for your mortgage application, it will be explained to you at the point of discussing your mortgage options.
You can disengage the services of your Mortgage Broker before making a formal application, and no fee will be levied.
Read our - Terms and Conditions.
SAM Conveyancing is an approved partner of Advies Private Client, and this page is an advertisement for them. SAM Conveyancing does not provide or arrange mortgage advice, but we may receive a commission for any product you take with Advies Private Client after we introduce you to them.
The FCA does not regulate SAM Conveyancing and does not provide any insurance or mortgage products, nor can we provide any advice on different insurance or mortgage products. Please liaise with your chosen Advies Private Client for any insurance advice.
You can disengage the services of your Mortgage Broker before making a formal application, and no fee will be levied.
Read our - Terms and Conditions.
SAM Conveyancing is an approved partner of Advies Private Client, and this page is an advertisement for them. SAM Conveyancing does not provide or arrange mortgage advice, but we may receive a commission for any product you take with Advies Private Client after we introduce you to them.
The FCA does not regulate SAM Conveyancing and does not provide any insurance or mortgage products, nor can we provide any advice on different insurance or mortgage products. Please liaise with your chosen Advies Private Client for any insurance advice.
**Subject to availability. If we are fully booked ask and we will see if we can fit you in sooner.
Mortgage Broker Surrey - Recently Completed
- Boshers Gardens, Egham, Surrey, TW20 9NZ
- 101 Shawley Way, Epsom, Surrey KT18 5PG
- 11 Kew Crescent, Sutton, Surrey, SM3 9RU
- 56 South Wood Close, Worcester Park, Surrey, KT4 8QH
- 12 Lansdowne Rd, Frimley, Camberley, Surrey, GU16 9UW
Watch our video to find out how to organise your mortgage and funding for your purchase.
