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Our Mortgage Broker Guide to getting a mortgage in Surrey

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Surrey Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

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.

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


Surrey is one of the home counties in England's South East, which border Greater London. It touches the counties of Kent, East Sussex, West Sussex, Hampshire and Berkshire. It is a highly affluent county where many millionaires live. Its principal town is Guildford, where the University of Surrey is based.

It contains two theme parks; Thorpe Park and Chessington World of Adventures. Beautiful landmarks and views are numerous in the county; some examples are Leith Hill (Dorking), where you can see the coast as well as Central London on a clear day; Runnymede, where King John famously signed the Magna Carta; Richmond Park, where you can see wild red and fallow deer and Waverley Abbey, the fantastic remains of a ruined abbey.

GU4 7JT

Property Price Stats for Surrey


Average property price in Surrey £483,695
% Change compared to last year 8%
Population of Surrey 1,085,000


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

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

Local High Street Banks in Surrey

Mortgage Broker in and around Surrey

Our Surrey mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Guildford, Epsom, Woking, Camberley, Ewell, Wokingham and Banstead.

Which banks are local to you?


  • Lloyds Bank Plc - 7 Broadway, Knaphill, Woking GU21 2DR
  • HSBC Bank Plc - 107 High St, Surrey, Banstead SM7 2NR
  • Barclays Bank Plc - 125 Guildford St, Chertsey KT16 9AL

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Mortgage Brokers Surrey offering free first consultation (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Surrey Mortgage Broker Insider Tips

Communicate using the fastest and most efficient methods.

This way unnecessary delays are avoided. It would be awful if you were ready to exchange on your property in Surrey but couldn't go ahead as some documents were still outstanding in the post.

Modern society allows us to contact each other with the touch of a button, be it via email or telephone. If you have a question, it is often quicker to call. If you need to send some documents, an email with scanned attachments can be faster than the post.

If you are using the post, always use the most rapid options and make sure it is recorded or you could risk losing important, essential documents. The nominal extra cost is utterly worth it. It's important to note that a lost or even delayed document can set you back 2-3 weeks, and time is precious in a home move.

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