The Surrey Mortgage Broker

06/08/2026

💳Taking out additional loan or credit card shortly before applying for a mortgage may affect your borrowing more than you think.

Not only will it impact your affordability (as part of your disposable income is now committed to another credit agreement), but it will also leave a hard credit search on your file. Depending on the lender, it could even reduce the maximum loan-to-value (LTV) they’re willing to offer.

This is particularly important if you’re looking to borrow at 90% LTV or above.

It’s always worth speaking to your mortgage adviser before taking on any new credit if you’re planning to apply for a mortgage in the near future.

20/05/2026

💪A good mortgage adviser is uniquely placed to tie in all aspects of house purchase together and be a true partner to the clients in the house-buying journey.

While we can't take away all the stress, we can be, as one of my clients put it: "It's been the best part of what has otherwise been a pretty frustrating house-buying experience!"

-------------------------------
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE MORTGAGE REPAYMENTS

15/05/2026

🕒 It is still not too late to secure a mortgage rate this year and benefit from a temporary respite in the upward pressure.

Reach out if you need support during these turbulent times.
-------
Your property may be repossessed if you do not keep up repayments on your mortgage

16/04/2026

💪 Securing a mortgage when self-employed often comes with a lot of paperwork, but it also adds flexibility and, in the hands of a skillful mortgage adviser, can make what seemed impossible achievable.

There is more than one way to crack an egg! 🐣

02/04/2026

This is one of the ongoing cases

19/03/2026

⚠️ Remortgaging in the Next 6.5 Months? Act Early

Due to the current situation in the Middle East, there’s significant volatility in financial markets. If your fixed-rate mortgage is due to end within the next 6.5 months, it is worth acting sooner rather than later to secure a new deal.

Key steps to take:

1️⃣ Check your current mortgage end date

Look at your lender’s portal or your latest mortgage statement to confirm when your fixed rate ends.

2️⃣ Speak with a mortgage adviser

We can review your options and help secure a new deal. Once an offer is in place 🔒, we can also monitor rates in case better options become available before completion.

Let's focus on what you can control, and if you’d like help reviewing your situation, feel free to reach out.

---
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE MORTGAGE REPAYMENTS

10/03/2026

🌿 Thinking about making your home more energy efficient?

Nationwide BS just introduced the Green Additional Borrowing scheme.

Eligible existing mortgage customers could borrow £5,000–£20,000 at 0% interest for 2 or 5 years to fund energy-saving home improvements.

That could help cover upgrades like:
☀️ Solar panels
🏠 Insulation improvements
🔋 Heat pumps
🚗 EV chargers
💷 and associated costs

There are no product fees, and it’s available up to 90% loan-to-value.

20/02/2026

💯 The expansion of 100% LTV mortgage propositions demonstrates newfound confidence in the UK's property market.

19/02/2026

🌍We specialise in supporting foreign nationals who are looking to buy their home in the UK.

It is often tricky to navigate the process, especially when it is so different from their birth country. It is a very rewarding process for us as mortgage advisers.

Please don't hesitate to get in touch if you have any questions or can benefit from our support.

13/02/2026