Xpress Mortgages

Xpress Mortgages An award-winning, whole of the market mortgage brokerage based in Surrey, with a friendly approach. Whole of Market Mortgage Broker

31/07/2025

Could your credit score and report be holding you back from getting your mortgage? 🏡💳

It’s so important to check your credit report well in advance, ideally, a year before applying for your mortgage.

Here’s what to look for: missed payments, CCJs, defaults, and make sure you're on the voter’s roll.

Did you know that not having any credit could also hurt your score? Using a credit card wisely can actually give your score a boost!

If something unexpected shows up on your credit report, don’t worry.

It might just be an error that can easily be fixed, or we may need to look at a lender who accepts adverse credit.

Let’s chat and make sure your credit is ready for your mortgage. I’m here to help! 💬

30/07/2025

What Dave at the pub can't tell you about mortgages 🏡🍻

Sure, Dave might tell you that a two-year fixed rate is the way to go, but when it comes to mortgages, there’s so much more to consider.

After 20 years of experience, I’ve built strong relationships with lenders and building societies to give you personalised advice tailored to your unique situation.

Don’t rely on what you’ve heard down the pub.

Come to a trusted expert who’ll look at all your options.

Let’s have a chat and make sure you get the best mortgage for YOU! 💬


29/07/2025

Thinking about buying a property that needs a bit of work? 🏡🔧

You don’t always need a bridging loan to get started!

If you find a property that needs a new bathroom, kitchen, or a little TLC, there are products that let you go straight onto a buy-to-let mortgage after the work’s done. No need for that extra bridging loan.

It’s all about finding the right lender and the right solution, and that’s where we come in.

Want to know more? Let’s have a chat and make your property journey easier! 💬

Lately, more young women have been messaging me: “Do you *really* think I can get a mortgage while on mat leave?” “Is it...
28/07/2025

Lately, more young women have been messaging me:

“Do you *really* think I can get a mortgage while on mat leave?”

“Is it selfish to want to buy a home while raising a baby?”

“Can I still plan big things even when my life feels like chaos?”

And my answer is always:

Yes.

You don’t stop deserving stability, dreams, or wealth-building just because your life shifted.

You deserve support that *sees* where you are and believes in where you’re going.

If anything… you now have a new powerful why!

25/07/2025

Why choose a mortgage advisor over just going to the bank?

Katie shares how the personal service made all the difference for her. 🏡✨

She didn’t have to wade through endless forms or call every bank individually.

Her mortgage advisor took care of the heavy lifting. Instead of navigating a maze of banking systems, she had a real person guiding her, explaining things clearly and taking the stress out of the process.

Busy life, full-time job? No problem!

A mortgage advisor can make it work for you.

Ready to make your mortgage journey easier? Reach out, and I’ll handle the rest! 💬

24/07/2025

20 years of property journeys, and it all starts with that first mortgage! 🏡✨

Katie shares her incredible story. From her first property purchase, clueless about mortgages, to now owning her third home, with a growing family.

It’s been an incredible 20-year journey of learning and growth.

Her advice? Don't go it alone.

Having an advisor made all the difference, and it can for you too.

If you’re ready to start your own property journey, I’d love to help. Let’s chat and make your dream home a reality! 💬


23/07/2025

Thinking about a buy-to-let mortgage, but worried about your age? 🏡💼

Good news! Age is not always a barrier. Some lenders have no maximum age limit for buy-to-let mortgages, and others go up to 80.

Whether you’re looking at a property in your personal name or through a limited company, there’s plenty of opportunity out there for you.

As a portfolio landlord myself, I understand the process inside and out, and I’m here to help you make your property dreams a reality.

Don’t let age hold you back. Let’s talk about how we can get your buy-to-let mortgage sorted today!




22/07/2025

Starting your property journey as a first-time buyer? 🏡✨

Katie’s top tip: use a mortgage advisor!

Not only do they have access to exclusive rates that you won’t find on the high street, but you also get that personal touch that makes the whole process easier and less stressful.

20 years later, and Rachel still knows the value of personalised mortgage advice.

If you're about to take that first step, let's chat and make your home buying journey smooth from the very start. I’m here to guide you every step of the way! 💬


Could your credit score be tripping you up when applying for a mortgage? 🏡💳It’s so important to check your credit report...
21/07/2025

Could your credit score be tripping you up when applying for a mortgage? 🏡💳

It’s so important to check your credit report at least a year before you plan on applying for a mortgage.

Look for any missed payments, CCJs, defaults, and make sure you’re registered on the voter’s roll.

Even if you don’t have credit, it could hurt your score, so using a credit card responsibly can actually give your score a boost.

If you find something unexpected, don’t panic. It could be an error that’s easily fixed, or we may just need to explore lenders who accept adverse credit.

Want to make sure your credit’s in shape? Let’s chat, I’m here to help you get on track! 💬




18/07/2025

Real life footage of adulthood right now...

You become a homeowner, and you buy the plants 🪴

You upgrade the kitchen

Do the extension

Buy the family dog

And have a baby ...

Oh yeah...and then you subscribe to ALL the TV subscription services đź“ş

Budgeting isn't only about GETTING on the property ladder, it's also about budgeting when you ARE a homeowner

You have bills yes but you still want a life right?

You still want to have fun?

And you may also want to consider saving and investing for the future ... but how????

Top budgeting tip for homeowners: Use the 50/30/20 rule

50% on needs – mortgage, bills, groceries, insurance

30% on wants – fun stuff like streaming, dining out, hobbies

20% on savings – emergency fund, investments, future goals

This formula keeps things balanced – so you can handle the bills and still enjoy life!

If you need to chat to a professional you know where to find us



They don’t tell you that stepping away for maternity leave feels like walking off a moving train. You’re still *you*, bu...
17/07/2025

They don’t tell you that stepping away for maternity leave feels like walking off a moving train.



You’re still *you*, but everything slows down, and for the first time in a long time, you’re not rushing to the next thing.



There’s this strange mix of joy, guilt, gratitude, and fear.



Being a mum cracked me open in the best and hardest ways.



I’m still learning how to show up for *me*, not just for baby.



But every day I remind myself: slowing down doesn’t mean stopping.



It means shifting. Evolving. And that’s okay.





Thinking you can’t get a mortgage in your sixties? Think again!While many lenders have a maximum age of 70, some will ta...
16/07/2025

Thinking you can’t get a mortgage in your sixties? Think again!

While many lenders have a maximum age of 70, some will take employed income into account all the way up to age 75, and even up to 80 with the right circumstances.

Recently, two clients in their sixties came to the end of their interest-only mortgage term and thought getting a new mortgage wasn’t an option but it absolutely is!

If you’re in your sixties and curious about your mortgage options, don’t hesitate to reach out.


Address

146 High Road
Byfleet
KT147RG

Opening Hours

Monday 7am - 8pm
Tuesday 7am - 8pm
Wednesday 7am - 8pm
Thursday 7am - 8pm
Friday 7am - 8pm
Saturday 8am - 8pm

Telephone

+441932350641

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