Surrey Mortgage Advice Ltd

Mortgage Brokers · Knaphill, Guildford · Est. 2024

2 years

Active Trading

Active

CH Status

15743006

Company No

2025

Accounts to

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Company Registration Details

Registered company name	Surrey Mortgage Advice Ltd
Companies House number	15743006 →
Company type	Private Limited Company (Ltd)
Registered address	4 Inkerman Road, GU21 2AJ
City / Region	Knaphill, Guildford
Date incorporated	2024
Years trading	2 years
CH status	Active
Specialism	Recorded activity: 64922
Index status	Claim this listing →

About Surrey Mortgage Advice Ltd

Incorporated in 2024, Surrey Mortgage Advice Ltd is a relatively recently established firm. Newer entrants to the UK financial services market often bring fresh approaches, specialist expertise and a strong digital proposition built for modern client expectations.

It is one of 94 mortgage brokers listed in Guildford on this index of 5754 UK firms in the category.

Authorisation is checkable free at register.fca.org.uk; an unauthorised firm cannot lawfully arrange your mortgage.

What Mortgage Brokers Do

Mortgage advisers assess affordability, recommend a product and manage the application through to offer. How much of the market a firm can search is a regulated disclosure, made before any recommendation.

For borrowers outside standard criteria, knowing which specialist lender will say yes is the core of the service.

How to Choose the Right Mortgage Broker

Choose by case type: mainstream residential, buy-to-let, later-life lending and adverse credit are distinct specialisms. Before instructing, ask for the firm's scope of lender access and recent experience with your case type.

FCA rules require the fee model, lender-paid, client-paid or both, to be set out before advice proceeds.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?

You can approach any lender yourself. What a broker adds is market coverage and criteria knowledge, which shows its value on higher loan sizes, complex income or previously declined applications.

How much does a mortgage broker charge?

Charging varies: lender-paid only, a flat client fee, or a percentage on complex cases. FCA rules require the model and amount to be set out upfront, so ask for it in writing at the first conversation.

What documents do I need to provide to a mortgage broker?

Expect to provide identity and address proof, recent bank statements, payslips or accounts if self-employed, details of existing credit commitments, and information on the property. The firm will confirm the exact list for your lender.

How long does the mortgage process take when using a broker?

Mainstream lenders typically issue an offer within two to six weeks of submission; specialist cases run longer. Active case management, chasing the lender and resolving queries promptly, is where a firm shortens the timeline.

Can a mortgage broker help if I have been declined by a lender?

Yes, and this is where criteria knowledge earns its fee: lenders differ sharply on credit history, income types and property construction, and a decline at one lender often converts to an approval at another with the right placement.

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Important notice: Data on this page comes from the public Companies House register. Kaeltripton.com is an independent directory service, unaffiliated with Surrey Mortgage Advice Ltd or any listed firm. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

Surrey Mortgage Advice Ltd | Mortgage Brokers | Knaphill | Est. 2024