The Surrey Mortgage Company

The Surrey Mortgage Company Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from The Surrey Mortgage Company, Mortgage brokers, Epsom Road, Ashtead.

I’ve found a lot of people wait until their existing mortgage deal is about to end before considering their options – bu...
12/06/2026

I’ve found a lot of people wait until their existing mortgage deal is about to end before considering their options – but that can be a costly mistake.
 
Most lenders allow you to secure a new mortgage rate up to 6 months before your current deal finishes.
 
This can be really beneficial because you can secure a rate early, meaning if rates rise before your current deal ends, you’ve already locked something in. With the way rates are changing at the moment, securing rates early could be saving you money early on.
 
Securing a deal early means you can still change lenders later, so if better rates become available before completion, you can switch to the lower rate.
 
You also avoid moving onto your lender’s standard variable rate. This is typically higher than fixed rates.
 
Reviewing things early gives you time to review all your options, including whether you need to raise any additional funds for things like home improvements.
 
Start your journey with confidence and give us a call ✨

📩[email protected]
📞07741665205
☎️01372811068

10/06/2026

If you’re self-employed and looking for a mortgage… DON’T skip this.

The good news – you absolutely can. It just works slightly differently to employed Applicants.
 
Here’s what lenders typically look at:
• 2 years of accounts (though some may accept 1 year)
• SA302s / tax calculations
• Proof of consistent income
• Business bank statements
 
How your income is assessed depends on your setup:
• Sole trader - based on net profit
• Limited company director salary and dividends
• Some lenders can also consider retained profits
A couple of common mistakes to avoid:
• Declaring very low income to reduce tax
• Not having up-to-date accounts
• Assuming all lenders treat self-employed the same
 
The key is speaking to a broker who understands which lenders are best suited to you.
Start your journey with confidence and give us a call.

📩[email protected]
📞07741665205
☎️01372811068

⭐️ Expert advice. Informed decisions. Your future ⭐️ Navigating the world of mortgages and protection policies can feel ...
08/06/2026

⭐️ Expert advice. Informed decisions. Your future ⭐️
 
Navigating the world of mortgages and protection policies can feel overwhelming, but it doesn’t have to be.
 
Financial advice tailored to your unique situation can make all the difference.
 
From choosing the right mortgage to protecting your home and family, expert guidance
helps you make informed decisions for your future.
 
Speak to our advisers who will put you first.
📩[email protected]
📞07741665205
☎️01372811068
 

 

Your home may be repossessed if you do not keep up repayments on your mortgage.
As with all insurance policies, conditions and exclusions will apply.
The cost of this insurance depends on several factors, such as your age, where you live and
your occupation. As a result, the cost you will pay is based on your own circumstances.

⭐️ Expert advice. Informed decisions. Your future ⭐️ Navigating the world of mortgages and protection policies can feel ...
08/06/2026

⭐️ Expert advice. Informed decisions. Your future ⭐️
 
Navigating the world of mortgages and protection policies can feel overwhelming, but it
doesn’t have to be.
 
Financial advice tailored to your unique situation can make all the difference.
 
From choosing the right mortgage to protecting your home and family, expert guidance
helps you make informed decisions for your future.
 
Speak to our advisers who will put you first.
📩[email protected]
📞07741665205
☎️01372811068
 

 

Your home may be repossessed if you do not keep up repayments on your mortgage.
As with all insurance policies, conditions and exclusions will apply.
The cost of this insurance depends on several factors, such as your age, where you live and

⭐ 5 Reasons to talk to a mortgage broker today! ⭐ ✨ Access to Multiple Lenders: We have a comprehensive range of lenders...
01/06/2026

⭐ 5 Reasons to talk to a mortgage broker today! ⭐

✨ Access to Multiple Lenders: We have a comprehensive range of lenders at our disposal, which means we can compare multiple lenders to find the most suitable deal to suit your needs. This can help you save time and money by comparing rates and terms from different lenders.

✨ Expert Knowledge: We have extensive knowledge of the mortgage industry, including the latest products, rates, and regulations. We help you navigate the complex world of mortgage financing and provide personalised advice.

✨ Advice Tailored to your needs: We find a mortgage solution that meets your unique needs and financial situation. We consider factors such as your income, credit score, debt-to-income ratio, and other factors to determine the most suitable mortgage for you.

✨ Time-Saving: Researching for the right mortgage can be time-consuming and overwhelming. We handle all the paperwork and communication with lenders, saving you time and stress.

✨ Access to different mortgage products: Did you know that here at The Surrey Mortgage Company, we give you access to mortgage products that aren’t always available when you go direct to the lender?

If I can help with your mortgage and protection policies, please get in touch.

💌 [email protected]
📱 07741 665205
📞 01372 811068

27/05/2026

⭐️Receiving a gifted deposit?

Make sure it’s documented properly to satisfy lender criteria.

If you would like to learn more, feel free to reach out and one of our advisors will be happy to help you.

Send me a message, let’s chat:
 
📩[email protected]
📞07741665205
☎️01372811068

25/05/2026

🏡Getting a mortgage isn’t just about your salary. Lenders look at several factors to decide whether to approve your application.

Here are a few simple things that can improve your chances:

1) Keep your credit record clean - make sure your bills, credit cards and loans are always paid on time. Even small missed payments can affect your application.
2) Reduce existing debts if possible - Lower credit card balances or loans can improve affordability and may increase how much you can borrow.
3) Avoid taking new credit before applying - New loans or finance agreements can reduce you borrowing capacity.
4) Keep you bank statements sensible - Lenders typically review the last 3 months of statements. Avoid things like gambling transactions, missed payments or going into your overdraft regularly.
5) Build a larger deposit if you can - A bigger deposit can give you access to better rates and more lenders.
6) Speak to a broker early - A broker can help match your situation with the right lender before an application is submitted.
A little preparation before applying can make a big difference to both approval chances and the mortgage options available.

If your thinking of moving, taking your first step on the property ladder or have a deal coming

to the end soon, you can reach me on:

📩[email protected]

📞07741 665205

☎️01372 811068

Feeling very lucky today on my birthday! 🥰A huge thank you to Harry & Charnie for my lovely birthday gifts, such thought...
23/05/2026

Feeling very lucky today on my birthday! 🥰

A huge thank you to Harry & Charnie for my lovely birthday gifts, such thoughtful surprises. So grateful to have such an amazing team around me 💐✨

Happy Bank Holiday everyone ⭐️Hope you all have some lovely things planned for this sunny weekend ☀️It’s actually one of...
22/05/2026

Happy Bank Holiday everyone ⭐️

Hope you all have some lovely things planned for this sunny weekend ☀️

It’s actually one of the most popular times to start thinking about moving or buying your first home!

Send me a message, let’s chat:
 
📩[email protected]
📞07741665205
☎️01372811068

Such a thoughtful surprise from a lovely client 🥹Helping people secure their homes is what I love most about what I do—s...
20/05/2026

Such a thoughtful surprise from a lovely client 🥹
Helping people secure their homes is what I love most about what I do—so gestures like this really mean a lot.

Wishing them all the happiness in their new home 🏡✨

Address

Epsom Road
Ashtead
KT211LD

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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