Independent, Fee Free Mortgage Advice in Surrey, from Our Expert Mortgage Brokers and Advisors

Yes — using a mortgage broker in Surrey is absolutely worth it, especially given how competitive and expensive the property market is across the county. With average house prices ranging from £495,000 to £625,000 depending on the borough, even small differences in mortgage rates can lead to thousands of pounds in savings over the term of your mortgage.

A mortgage broker helps you compare a wide range of lenders — including many that don’t offer products directly to the public. This means you may gain access to exclusive deals that aren’t available on the high street. In a location like Surrey, where demand is high and affordability can be a challenge, these deals can make a real difference.

More importantly, brokers understand lender criteria. If you're self-employed, have complex income, a lower deposit, or any credit issues, a broker can find the lenders most likely to accept your application. They also handle all the admin and communication, making the process faster and less stressful.

We offer all of this with a fee free model — no broker charges, no hidden costs. Just expert, tailored advice that saves you time, money, and hassle when buying or remortgaging in Surrey.

The deposit you need to buy a house in Surrey depends on several factors, including the type of mortgage you're applying for, your credit history, and the property's value. However, most lenders typically require a minimum deposit of 5% of the property's purchase price.

In Surrey, where property prices are higher than the UK average, this means a 5% deposit can still be a significant sum. For example:

On a £500,000 property, a 5% deposit equals £25,000.

For a £600,000 home, you'll need £30,000.

If you can stretch to a 10% or 15% deposit, you may benefit from better interest rates and increase your chances of mortgage approval. Higher deposits reduce the lender’s risk, making them more likely to offer competitive terms. For those with less-than-perfect credit, a larger deposit can also offset some of the perceived risk.

Some mortgage schemes, like Help to Buy or Shared Ownership (if available), may allow for smaller deposits, especially for first-time buyers. However, these options are usually limited and come with eligibility requirements.

Our advisors can help you calculate exactly how much deposit you’ll need based on your budget, target location in Surrey, and long-term goals — all with no broker fee.

Yes, it’s absolutely possible to get a mortgage in Surrey with bad credit — but you’ll likely need help from a broker who has access to specialist lenders. Traditional high street lenders can be strict about credit history. They may decline applications that include missed payments, CCJs (County Court Judgements), defaults, or IVAs (Individual Voluntary Arrangements).

However, there are many specialist mortgage providers who are more flexible and will consider your overall financial profile rather than just your credit score. They’ll look at:

How recent the credit issues are

The size of your deposit

Your current income and affordability

Whether the issues have been resolved

The larger your deposit, the better your chances. A 15% to 25% deposit can significantly improve your application’s strength if you have adverse credit. Also, if your poor credit was due to a one-off situation — such as a medical emergency or temporary loss of income — lenders may be more sympathetic.

At our brokerage, we regularly work with applicants who have complex credit histories. We know which lenders are most likely to say yes — and we’ll present your case in the best possible light. All this is offered completely fee free, so you don’t have to worry about upfront costs.

According to the latest 2023 data from the Office for National Statistics (ONS), the average median house price in Surrey varies significantly depending on the borough:

Elmbridge – £625,000

Waverley – £580,000

Mole Valley – £575,000

Tandridge – £560,000

Guildford – £550,000

Reigate & Banstead – £530,000

Woking – £525,000

Epsom & Ewell – £520,000

Runnymede – £510,000

Spelthorne – £495,000

Surrey consistently ranks among the most expensive counties in the UK, largely due to its close proximity to London, outstanding schools, beautiful countryside, and strong transport infrastructure.

If you're considering buying in Surrey, it’s important to know that average prices can vary not just by borough but also by neighbourhood. For example, towns like Cobham, Weybridge, and Esher tend to have higher property values due to demand and luxury homes.

This is why getting expert mortgage advice is crucial. We can help you understand your affordability and match you with the right lender — whether you're buying in one of the higher-priced areas or seeking a more affordable location like Spelthorne. And since our service is 100% fee free, it won’t cost you a thing to get started.

Surrey offers a wide variety of living options, making it a popular choice for families, professionals, and retirees. The “best” place to live really depends on your priorities — such as commuting needs, school quality, budget, and lifestyle.

Here’s a quick overview of top boroughs based on different needs:

Guildford: A lively town with top schools, shopping, and a university. It’s ideal for families and professionals who need quick access to London.

Elmbridge: Includes exclusive areas like Weybridge and Cobham, popular with celebrities and business owners. Excellent for luxury living.

Woking: A town undergoing major investment. Fast trains (25 mins to London), modern apartments, and great infrastructure.

Reigate & Banstead: Great for families looking for quieter, green suburban life with good schools.

Mole Valley & Waverley: Rural charm with scenic countryside, perfect for semi-retired or work-from-home buyers.

Spelthorne & Runnymede: More affordable options with strong transport links and proximity to Heathrow.

Each borough has its own charm — from market towns and riverside settings to countryside villages and commuter-friendly hubs. We can help you understand which areas best match your lifestyle and budget — and then help you secure the mortgage you need to move forward, all fee free.