What are the opening hours?

Monday 8:30am - 7:30pm Tuesday 8:30am - 7:30pm Wednesday 8:30am - 7:30pm Thursday 8:30am - 7:30pm Friday 8:30am - 7:30pm Saturday 9:30am - 5pm Sunday 9:30am - 12pm

Honeybee Mortgage Solutions

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United Kingdom
Redhill
Honeybee Mortgage Solutions

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Redhill and Reigates local mortgage broker providing mortgage and protection advise. There may be a fee for mortgage advice.

Donna Matthews t/a Honeybee Mortgage Solutions is an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. The precise amount will depend upon your circumstances but we estimate it will be £199 for residential mortgages and £499 for Buy to Let mortgages. The guidance and/or information contained within this page is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of Buy to Lets

02/11/2026

Is someone helping with your house deposit?

A gifted deposit can be a big help, but you must mention it as soon as possible to your broker and solicitor.

They will want to know who is giving you the money, where it came from and whether it’s a genuine gift that doesn’t need to be paid back.

They may also ask for a signed declaration, ID or evidence of the source of the funds.

The requirements vary between lenders, including who they’ll accept a gift from and what paperwork they need. It’s best to check what’s required before the money is transferred.

30/10/2026

I hear it all the time and have been guilty of this myself

“We're just having a look”

this can quickly turn into a frantic call to your broker having found the home of your dreams but not truly knowing if you can afford it or being in a position to offer on it.

That's exactly why a little preparation beforehand is so important.

From a mortgage point of view, I'd always suggest considering a Decision in Principle (DIP) before you start looking. It's usually based on a soft credit search, so it won't affect your credit score, and it gives you an idea of how much a lender may be prepared to lend.

It doesn't commit you to anything, but it does mean you're better prepared if that dream home suddenly appears on your screen.

26/10/2026

Agreement in Principle (AIP) or formal mortgage offer (FMA), what’s the difference?

🐝 Agreement in Principle (AIP)

Firstly, to confuse matters further, this is also known as a Decision in Principle (DIP) and Mortgage in Principle (MIP). Regardless of what you may read, they are all the same thing and serve the same purpose.

An AIP gives you an indication of how much a lender is likely to lend you, based on an initial assessment of your finances. It usually involves a soft credit search and is often needed by estate agents before you can make a formal offer on a property.

It’s important to know that an AIP isn’t a guarantee of getting a mortgage, and usually, it doesn’t reserve your mortgage rate.

🏡 Formal mortgage offer

This comes once you have had an offer accepted on a property, and your broker has submitted your full application to the lender.

The Lender will then carry out a full assessment of your finances, check documents, complete a valuation of the property and run a hard credit search. If everything is satisfactory, the lender will confirm the mortgage it’s prepared to offer, along with the terms and conditions.

23/10/2026

MOVING DAY CHECKLIST!

Moving house is exciting, but its never going to be easy. Most people find it really enjoyable but there is no escaping how stressful it can feel.

Between the boxes, the keys and trying to work out which box you packed the kettle in, it’s easy for the little things to slip your mind.

So, here’s a handy checklist to save for the big day. Doesn't cover everything but is a good starting point.

☐ Keep your keys, phone, charger and important documents close by.

☐ Pack a first day bag with the kettle, mugs, tea or coffee, snacks and loo roll. Essentials, obviously! Maybe a bottle of w**e or two for later as well.

☐ Label your boxes properly, especially anything you’ll need straight away.

☐ Take meter readings at BOTH the old and new houses (electricity, gas and water where applicable). Don’t leave this one until you’ve unpacked!

☐ Make a plan for any pets so they stay safe while everything is going on.

And most importantly, take a breath. It might feel chaotic for a bit, but you’ll get there.

Feel free to save this post for your own move, or share it with someone who's in the middle of packing!

21/10/2026

Frequently, client conversations will start with them saying "sorry, this is probably a silly question". I can reassure everyone there are no silly questions, many people only move once in their lives, you can't be expected to be experts.

There can be a LOT to get your head around. Deposits, agreements in principle, affordability checks, it can sometimes feel like learning a whole new language!

You don’t need to understand all the jargon before asking for help. Some of the best conversations start with a simple question, and if something doesn’t make sense, it’s absolutely fine to ask again.

My approach is to explain things in plain English, so you can feel more confident about the decisions you’re making. 💛

03/08/2026

I'm finding my inner Sarah Connor at the moment, fighting Skynet and saving the world from bad mortgage advice.

I asked Skynet (masquerading as co-pilot) this morning:

What is the lowest, fee free, 2 year fixed rate at 75% for a remortgage.

First answer: 4.10% Barclays (£999 fee).

I wish! It is completely inaccurate and doesn't exist so I challenged and this time got:

Second Answer: 4.78% NatWest

Also not true! so I challenged again:

Third Answer: Because I don't have access to todays lender cards, I'd be guessing......that is how I ended up with the mismatch.

So there we have it, Skynet may be able to hack into secure programs and tell me what recipe I can cook from the ingredients in my fridge today but I'll rest easy knowing I have a little bit longer before the terminator takes my job :)

31/07/2026

Whether you have bought a house in the past or are just thinking about starting, what do you wish you knew, that would have made the process easier or less stressful for you?

17/07/2026

I know AI poses a risk to many jobs but this week I am feeling particularly frustrated with it as it's only making my job harder.
Clients come to me with wildly inaccurate understandings of their position, convinced they know exactly what they are talking about and I spend as long explaining why the AI advice was wrong as I do providing the correct advice.

Two clients this month came to me after getting terrible AI advice:

Client A was told they could port their mortgage “without any checks.” This is entirely wrong. While lenders may show flexibility when porting they do carry out a full, new mortgage application and affordability assesment.

Client B was told their borrowing was far higher than it actually was because AI misunderstood how lenders assess self‑employed income.

AI is clever, but it doesn’t know lender criteria, underwriter behaviour, or your true position. It reacts on what you are telling it and you may not give it all it needs to know. It is also inherently a people pleaser and if it can find a way to tell you what you want to hear, it will.

26/06/2026

This heatwave is a great reminder of two things:

1️⃣ Fixed rates aren’t the only things that can make you sweat
2️⃣ Protection is important, whether it’s SPF 50 or life insurance

If your mortgage deal is due to expire soon, start reviewing it before it gets any hotter.
Your finances deserve shade, even if the rest of us don’t.

www.honeybeemortgagesoluttions.com
Tel: 07592 669874

09/06/2026

I have had a very productive morning reserving better rates for clients who are staying with their current lender, re-mortgaging or moving house .

Because I keep an eye on rate changes daily, I can lock in improvements as soon as they appear.

Today alone, I saved several of my clients between £15 and £50 a month by moving them onto lower rates, before the ones we previously secured take effect. No work for them involved at all.

This is one of the areas a broker can work for you, we aren't just securing the lowest rates on the market, we're making sure you get the right rate on the day of application but then monitoring this right up to completion.

Address

Redhill
RH16HA

Opening Hours

Monday	8:30am - 7:30pm
Tuesday	8:30am - 7:30pm
Wednesday	8:30am - 7:30pm
Thursday	8:30am - 7:30pm
Friday	8:30am - 7:30pm
Saturday	9:30am - 5pm
Sunday	9:30am - 12pm

Telephone

+447592669874

Website

http://www.honeybeemortgagesolutions.com/

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