Expert Mortgage Advice in Surrey & Nearby
Stress-Free Mortgage Solutions, Tailored to You
Finding the right mortgage doesn’t have to be complicated. Whether you're a first-time buyer, moving home, remortgaging, self-employed, or investing in property, we provide clear, honest guidance to help you secure the most suitable deal.
Access to 100+ lenders for the most suitable rates
No upfront consultation fees
Jargon-free support from start to finish
Trust & Expertise-Focused
Why Choose SWS Financial?
Finding the right mortgage isn’t just about getting the most suitable rate—it’s about having the right support from start to finish. At SWS Financial, we do more than just compare deals; we make the entire mortgage process simple, stress-free, and tailored to you.
Personalised Mortgage Advice
We take the time to understand your needs and match you with the right mortgage from over 100 lenders.
End-to-End Support
Unlike many brokers, we don’t stop at mortgage advice. We assist with estate agents, solicitors, and surveyors to keep things moving.
Appointments That Fit Your Schedule
We’re open 7 days a week, offering evening and weekend appointments so you never feel rushed.
Specialist in Self-Employed Mortgages
Struggling to get approved as a business owner or freelancer? We specialise in finding solutions for complex cases.
No Upfront Fees
Our initial consultation is completely free, with no obligation. You only pay if we successfully arrange your mortgage.
Clear, Jargon-Free Guidance
Mortgages can be confusing, but we break everything down in simple, easy-to-understand terms.
Our Mortgage Solutions
Tailored Mortgage Solutions for Every Situation
No matter your situation, SWS Financial has the expertise to match you with the right mortgage. With access to 100+ lenders, we’ll find a deal that fits your needs and budget. Not sure which mortgage is right for you? Let’s discuss your options!
First-Time Buyer
Buying your first home? We’ll guide you through every step, helping you secure the most suitable mortgage from over 100 lenders with confidence.
Moving Home
Need a new mortgage for your next property? We’ll find the most suitable deal, handle the paperwork, and make your move seamless.
Remortgage
Looking to lower payments or release equity? We’ll compare the most suitable options to save you money and improve financial flexibility.
Self-Employed Mortgages
Business owner or freelancer? We specialise in tailored mortgage solutions, even for complex incomes.
Buy-to-Let
Whether you're a first-time landlord or growing your portfolio, we’ll help you secure a competitive investment mortgage.
New Build Mortgages
Buying a brand-new home? We’ll help you navigate developer incentives and lender requirements to get the most suitable deal.
A Hassle-Free Mortgage Process, From Start to Finish!
Getting a mortgage doesn’t have to be complicated. At SWS Financial, we make it easy with a smooth, step-by-step process:
Step 1: Tell Us About Your Needs
Fill out our form or give us a call. We’ll listen to your situation and goals.
Step 2: We Find the Most Suitable Mortgage for You
We compare deals from 100+ lenders, ensuring you get the right fit.
Step 3: Clear, Jargon-Free Advice
We break down your options and answer all your questions.
Step 4: Stress-Free Approval
We handle the paperwork and coordinate with estate agents, solicitors, and lenders.
Step 5: Mortgage Secured, Move In Confidently
With everything in place, you’re ready to complete your purchase or remortgage.
Client Testimonials
Real Stories, Real Results
We take pride in providing 5-star service to every client. Here’s what some of our happy homeowners say about working with us.
FAQ
Got Questions? We’ve Got Answers.
Mortgages can be confusing, but we’re here to make the process simple. Here are answers to some of the most common questions our clients ask.
How much deposit do I need for a mortgage?
The minimum deposit required depends on the type of mortgage and lender. Generally:
- First-time buyers & home movers – Most lenders require at least 5% of the property value (95% mortgage).
- Remortgages – If you already own a property, you typically need at least 10-20% equity to secure a better deal.
- Buy-to-let – Lenders usually require 25% or more as a deposit.
- Self-employed – You may need 10-20%, but some lenders offer lower deposit options.
A larger deposit can unlock better mortgage rates, reducing monthly payments. Not sure how much you need? Get in touch for expert advice!
Do I really need a mortgage broker? Can’t I just go to my bank?
While you can go directly to your bank for a mortgage, working with a broker like SWS Financial gives you access to 100+ lenders, meaning you’re not limited to just one bank’s offers. Banks only offer their own mortgage products, while we compare multiple lenders to find you the most suitable deal. Plus, we provide expert guidance, handle the paperwork, and help navigate the entire process—something your bank won’t do.
Can I get a mortgage if I’m self-employed?
Yes! Being self-employed can make getting a mortgage slightly more complex, but it’s absolutely possible. Lenders typically require:
- 2-3 years of accounts or tax returns
- Evidence of a stable income
- A larger deposit in some cases
At SWS Financial, we specialise in self-employed mortgages and work with lenders who understand fluctuating incomes. Even if you’ve been self-employed for a short time, we can explore your options.
What’s the difference between a fixed-rate and a variable-rate mortgage?
A fixed-rate mortgage means your interest rate stays the same for a set period (e.g., 2, 5, or 10 years), so your monthly payments won’t change. It’s great for budgeting and stability.
A variable-rate mortgage means your payments can go up or down, depending on interest rate changes. There are different types, including tracker mortgages (which follow the Bank of England base rate) and discount mortgages (which follow the lender’s rates).
Not sure which one is right for you? We’ll explain the pros and cons based on your situation.
How long does the mortgage process take?
The time it takes to get a mortgage depends on various factors, but on average:
- Mortgage in Principle – Can be obtained in 24-48 hours
- Full Mortgage Application – Usually takes 2-3 weeks for approval
- Completion (Receiving the Funds) – Typically takes 8-12 weeks (can be faster for remortgages)
At SWS Financial, we’ll guide you through the process and help speed things up by handling paperwork, liaising with lenders, and keeping everything on track.
What happens if my mortgage application is declined?
If your mortgage application is declined, don’t worry—it doesn’t mean you can’t get a mortgage. Lenders reject applications for different reasons, such as:
- Low credit score
- Insufficient income or affordability concerns
- High levels of existing debt
- Self-employment income not meeting criteria
At SWS Financial, we can help you find another lender who may still approve your application. We’ll also offer guidance on improving your credit score and strengthening your application for better chances of success.
SWS Financial provides expert, tailored mortgage advice across Surrey, Berkshire, Hampshire, and West London—helping you secure the right mortgage with confidence.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
SWS Financial Services, 1st Floor, Healthaid House, Marlborough Hill, Harrow, Middlesex, England, HA1 1UD.
SWS Financial Services Ltd is an Appointed Representative of Andrew Nolan Mortgage Ltd., authorised and regulated by the Financial Conduct Authority, and is entered on the Financial Services Register under reference 976427. Andrew Nolan Mortgages LTD, Parkhill Business Centre, Walton Road, Wetherby, West Yorkshire, LS22 5DZ (FCA 918720).
Registered in England company number 12490992.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
There may be a fee for arranging a mortgage. The precise amount will depend upon your circumstances, typically between £299 – £999. In some instances there may be no fee charged. This will be confirmed in the initial meeting.