Mortgage Broker Surrey
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Excellent Rated Mortgage Advisor Surrey
- FCA Regulated for Your Peace of Mind
- Personal Mortgage Advice for Surrey
- Best Mortgage Rates. Over 90 UK Lenders
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Why choose MariannaFS?
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Our Mortgage Process
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Tell us about your mortgage needs and yourself
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Arrange a call with our expert to discuss your mortgage
Expert Research
We research in order to find you the best mortgage for your circumstance
Secure Your Mortgage Deal
Our team will complete the application and keep you updated
Our Expert Insight on Surrey Property Market
Surrey is known for its picturesque towns, best schools, open green spaces, and flourishing local economy. Surrey is most desirable counties to live in England, offering a perfect blend of countryside and excellent transport links into London, and Heathrow.
Surrey is preferred by families seeking best schools to professionals looking for a peaceful escape with easy access to the London. Historic town like Guilford or Woking offers good school and 40 min travel to London. Reigate & Banstead known for green parks like Reigate Hill and Gatton Park and Priory Park.
Average semi-detached property in surrey can cost from £585000 and flats can range from £300000. Knowing these local factors about Surrey is key, as they can directly influence demand of property market and lender valuations.
Speak to a Mortgage Expert in Surrey
Need mortgage advise in Surrey? Speak to our team at MariannaFS. Pay No Broker Fees
Specialist mortgage brokers in Surrey
Getting the desired mortgage deal is not always smooth sailing as expected. Borrowers often face multiple hurdles along the way, especially if they are self-employed with one year’s trading account, foreign nationals no visa, or want to purchase buy to let as SPVs (Special Purpose Vehicles). Thanks to our extensive network of specialised lenders, we take up such cases and help our clients get the right mortgage deals as per their circumstances.
Self-employed mortgage in Surrey
If you are self-employed, you may face some difficulties in getting a mortgage in Surrey. Mortgage lenders often look for stability and security of the borrowers’ income. Lenders have a different income criterion for self-employed. A conventional mortgage lender may lend you less than you required as they work on the average income for 2 years.
If you are self-employed as a sole trader or limited company director with 25% share, we can help you to find the right self-employed mortgage deal in Surrey by connecting you with specialist lenders. If you meet the criteria laid out by these lenders, you can get your dream house despite being self-employed.
Company buy-to-let mortgage broker in Surrey
Such mortgages are ideal for someone in higher tax band who want to get buy-to-let properties under their company’s called SPV. Whether you need an SPV mortgage or a conventional buy-to-let mortgage, our brokers and advisors will lead you to specialist lenders who has a flexible approach towards the lending. Rest assured that we will handle all the paperwork with mortgage application.
Remortgage with bad credit in Surrey
Unfortunately, many borrowers see their credit scores drop after getting their mortgages. If this is the case with you and you want to remortgage with bad credit. Depending on your bad credit’s nature and severity, we will help you find mortgage lender who deals with remortgage with bad credit.
Contractor mortgage in Surrey
If you are contractors, work as freelancer or work on a short term of fixed contract basis with your clients, you may find it difficult to find the right mortgage for you. The reason here is the same: a lack of steady and secure income. If you are a contractor need contractor mortgage to purchase a property in Surrey or remortgage you can stop worrying now! We will look for the ideal specialist lenders ready to help you.
Foreign national mortgage in Surrey
If you are a foreign national living in surrey on work visa, you may find some difficulty getting a mortgage all by yourself. However, you need not worry about mortgage for visa holders. Our mortgage brokers and advisors will find lenders that deal with foreign nationals and give you the criteria you need to meet. If you fit the bill, you can own your property with mortgage in Surrey.
NHS or key worker mortgage in Surrey
Being a NHS or key worker, you can benefit from certain home ownership scheme like right to buy or shared ownership. Some, specialist lenders dealing in NHS or key worker mortgages may let you borrow more than a conventional lender or at discounted rate.
These specialist mortgages are dedicated to doctors, nurses, teachers, police, and other invaluable contributors to society. If you are a public service worker looking for a property purchase in surrey, we can find you the best mortgage deals. In fact, lenders may allow you to borrow more under such initiatives!
Meet MariannaFS: Surrey’s Mortgage Broker
MariannaFS are independent mortgage brokers serving Surrey, Berkshire and beyond. We offer fee free mortgage advice for your purchases and remortgages. With over 10 years of experience in the mortgage industry and a industry leading qualification and technology our mission is to make mortgage process fee free and stress-free for the Surrey community and whole of UK.
We pride ourselves on the close relationships we build with each & every client. But don't take our word for it, read our 5-star reviews on Google, Review.io and Trustpilot.
Mortgage Broker Surrey Services
First-Time Buyer Mortgages in Surrey
If you have little to no experience of the market and looking to climb Surrey’s property ladder, we will find you the right first-time buyer mortgages. First-time buyers often find themselves in the mix of things they do not understand. We will keep you in the loop and resolve all your queries as you make your first mortgage application.
From making initial financial assessments to Decision in principal and mortgage application, we can also recommend a conveyancer from panel of solicitors to help you with completion. As a first-time buyer, you will also be eligible for numerous Government schemes that will help you save money. We will inform you about such schemes.
Remortgaging to Secure a Better Deal in Surrey
Remortgage is a process of changing the mortgage when your existing mortgage deal coming to end and find a new remortgage deal. Our mortgage brokers and advisors can help you remortgage your property. To avoid dealing with unwanted higher interest rate, homebuyers often choose to remortgage before the end of the fixed term.
Are you thinking if you can remortgage home early? If your current mortgage coming to end and you thinking of remortgage with same lender or move on to a new one, we will help you to decide whats the best option for you and find suitable deals. Our experienced mortgage advisors will also help you with remortgage with bad credit.
Home Mover Mortgage in Surrey
With growing family if you thinking to purchase bigger property to move in or thinking to downsizing let us to find you the right home mover mortgage deal in Surrey. If you may have a mortgage which needs to be port to new property or convert it in to let to buy mortgage to rent the property, our mortgage brokers and advisors will guide you through ensuring that the mortgage is moved effectively.
Buy-to-Let Mortgages in Surrey
First time landlord or experience landlord invest in property to rent it out and always looking for buy to let deals. We can help you to find the best buy-to-let mortgage deals in Surrey. Whether you are buying the property in your personal name or in the name of a company as a special purpose vehicle, you will receive comprehensive advice from our end.
Our professionals mortgage broker will handle complicated paperwork and keep you informed about the procedure until your application gets approved and complete.
Best Mortgage Rates
First Time Buyer
Remortgage
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Some of the FAQS.
We offer fee-free mortgage services in surrey to make your application process cost-effective. While most mortgage brokers charge around £495 for one case, we reduce this financial burden as you apply for a mortgage or remortgage deal.
In some case we do charge fees with extra time and efforts are required. But we always confirm with you before we start working on your case.
Independent mortgage advice will give you a better perspective about the mortgage you want to get, even if you already have an impressive portfolio. Independent mortgage advisors can scan the whole of market to get better mortgage deal for you so, you are not left out.
Multiple factors determine your mortgage affordability, although different lenders focus on different aspects. Your credit history and existing debts have a huge impact on your affordability. Lenders also look into your income and savings. Before approaching a lender, speak to your mortgage broker.
It is better to remortgage with the same lender if you are happy with the deal they offer. You should explore more options with other lender with help of the mortgage broker. Moreover, remortgage with same lender is good option if you want the remortgage process to be quick and less strict and no conveyancing involved.
Yes, if you can, it is advisable to make a bigger deposit if you want a better mortgage deal. A bigger deposit will bring your LTV (loan-to-value) down, reducing the lender’s risk associated with giving you financial aid. This gives most lenders the confidence to reduce interest rates or let you borrow more for your mortgage.
Objectively, it is better to remortgage before your current deal’s fixed period ends. This prevents you from going on lender variable rate which is higher interest rates. However, many lenders allow you to secure the remortgage rate 6 months in advance and complete after the fixed term finish.
Before remortgaging your property, work with your mortgage broker to see if the benefits outweigh your expenses.
Get Started With Mortgage Broker In Surrey
As a mortgage is secured against your home, it may be repossessed if you do not keep up the mortgage repayments
