Expert Advice for mortgages in Guildford and surrounding

For our experienced advisors at Private Wealth Mortgages, no question is unusual, and no circumstance impossible to find a mortgage strategy for, and most importantly we listen. Our team have a combined 30 years of experience providing guidance on choosing the right mortgage for home buyers in Guildford and beyond.

Here to help with a mortgage strategy for life

Our friendly specialist advisors understand that applying for a mortgage, whether it’s a buy to let mortgage, an equity release mortgage or simply a remortgage, can feel confusing. So, as well as having a team of combined experience, able to tackle almost every circumstance, we make things easy to understand. We get to know you by listening to any concerns you may have, understanding your current financial situation and considering how that might change in the future. Then we present the options that are best for you and your family, making sure you fully understand all the terms and the information you need to make the right decision. 

When you need a mortgage, whether it’s your first time or for an existing property, there are many factors that can contribute to a successful application. Employment status, income, affordability, other financial commitments and age can all have an impact. So, it’s essential to have an expert mortgage advisor skilled at navigating the ever-changing mortgage market in Guildford and surrounding areas. 

We’re authorised and regulated by the Financial Conduct Authority (FCA), so we’re completely impartial, and are also members of the Equity Release Council (ERC), the industry body for equity release mortgages.

We have the mortgage knowledge to allow you to have the answers, so why choose us:

  • In some cases, a mortgage application can mean mountains of paperwork, such as gathering your financial information or statements and filling out various forms. Fortunately, when you choose Private Wealth Mortgages, you’ll find we take care of as much administration as possible.
  • Our advisers have seen a wide range of different and complex scenarios and we work hard to find a solution to the most challenging of problems. Self-employed? Never owned a home before? Bad credit rating? Multiple properties? Whatever your application looks like we can help you find and secure the best mortgage then move forward.

If you’re looking for a mortgage specialist for your property plans in or around Guildford and need someone who can provide a mortgage strategy for life, contact one of our friendly team of advisors. GET IN TOUCH for a no obligation chat on: 01403 270006 or email: 

Call our expert mortgage advisers today

01403 270006 Contact us

Comments from our Clients

Throughout the whole process your team have been nothing but outstanding. A pleasure to deal with in every regard.

Chris and Alastair, Bracknell

Our People

Mandy Smith

Mortgage and Protection Adviser

Mandy started her career working for Nationwide, and brings 25 years of experience to help her clients achieve their plans and goals.

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Frequently Asked Questions

Q: What’s the difference between an interest-only mortgage and a repayment mortgage?

A: Every mortgage will be made up of the loan amount plus the interest added to the money you borrow. This is the charge that the mortgage company places on your mortgage in return for the loan. In some cases, you will have a choice of an interest-only mortgage or a repayment mortgage. With interest-only, your payments will pay off just the interest, which means you won’t be paying down the capital loan amount. With a repayment mortgage, your repayments are calculated to pay both the interest and your base loan amount. If you have questions about which of these two mortgages is right for you, contact one of our qualified mortgage advisers, who can offer a FREE no-obligation chat.

Q: What is remortgaging?

A: Remortgaging is the name given to the process of changing your mortgage. Most commonly, this takes place when you switch to a new deal with a different lender or renew your existing home loan under new terms. 

Finding the best loan, rate or repayment terms when switching is like any mortgage selection process. This involves reviewing the interest rates available, assessing how much you want to borrow and looking into how much you can afford to repay. 

When you take out a mortgage, you will be given a fixed term that includes an interest-only or capital repayment option. Once this term expires, you may find there are better options available to you, which are more suitable for your plans or financial circumstances. Further information on remortgaging.

Q: What is a lifetime mortgage?

A: A lifetime mortgage is a form of equity release. It is essentially a long-term loan secured against a homeowners’ property — a way of unlocking tax-free cash from the value of it, without needing to move. 

There are many different types of flexible lifetime mortgage schemes, from a variety of lifetime mortgage providers that can be tailored to your individual circumstances and needs, such as, an interest only lifetime mortgage, drawdown and roll-up options. We strongly advise chatting through what your plans are with one of our experienced and impartial lifetime mortgage advisors. They can discuss, for free and with no obligation, the whole market.