Local Mortgage Brokers – Farnham

Visit our mortgage brokers in Farnham.

Our team of local mortgage brokers here in Farnham are here to help you with all your mortgage and protection needs.

With access to thousands of mortgage products from 90 different lenders, we can find the right mortgage for you. Here at Mortgage Decisions, our team of brokers is available five days a week to help customers find the perfect mortgage that suits their unique needs and circumstances. Our team will guide you through the application process from start to end.

Our local mortgage brokers are experts in:

With mortgage brokers in Hampshire including Southampton, Winchester, Bishops Waltham, Alton, Chandlers Ford, Alresford, Romsey and Park Gate, you are never too far from mortgage help.

Contact details & opening times

40 Downing Street
Farnham
GU9 7PH

Telephone: 01252 891886
Email: hello@mortgagedecisions.co.uk

8.30am – 6.00pm
8.30am – 6.00pm
8.30am – 6.00pm
8.30am – 6.00pm
8.30am – 6.00pm

Why choose the Mortgage Decisions team in Farnham?

Mortgage Decisions is a financial company focused on finding our customers the right product and insurance services. We offer various mortgage and life insurance products in Farnham and Hampshire. 

Working with a wide network of lenders, including banks, credit unions and credit lenders, allows us to offer various mortgage options, including products not available to the general public.  

We have a deep understanding of the Farnham property market, including average house prices, trends, and local lenders. This can help determine how much you can borrow and find the right mortgage product for you and your family. 

At mortgage Decisions, we understand that mortgage shopping can be a time-consuming process. That’s why we offer to guide you through the entire mortgage application process, from initial enquiry to completion, ensuring a smoother experience. Our in-depth knowledge of the mortgage market also allows us to recommend the most suitable product for you, considering factors like interest rates, fees, and loan terms.

Speak to our experts

With access to 1000s mortgages from over 90 high street lenders, we can help you find the right mortgage. Our five-star Google reviews back this up. Call us now and speak to a member of our experienced team.

Why get a mortgage in Farnham?

There are several reasons why getting a mortgage in Farnham might be a good decision.  Farnham is a small town in Surrey known for its picturesque surroundings, good schools, cobbled streets, lively market town centre, and proximity to London (with a direct link to London Waterloo), making it an attractive place to live. 

Farnham is a sought-after location, offering good property value retention or even appreciation over time. Depending on your budget and needs, Farnham provides a range of properties for sale, from characterful period homes to modern apartments.

If you have children or plan to start a family, there are good local schools to be found locally, making it an attractive place to raise kids.

Farnham has an award-winning, certified monthly Farmers’ Market with nearly forty regular stallholders, allowing you to buy seasonal, fresh produce. 

If you enjoy nature, there are plenty of countryside walks to explore and park picnics to enjoy, providing an excellent work-life balance. During May, Farnham hosts a free walking festival, showcasing the history and heritage of the town and its beautiful surrounding countryside.

Rest assured; there are plenty of other events to be enjoyed, including the Farnham Duck Race in May and Farnham Carnival in June. 

Farnham offers something for everyone, from swimming, golf, football, and rugby to private gyms, skateparks and arts and crafts groups.

Mortgage in Farnham

If you are looking for a mortgage broker in Farnham, you have come to the right place.

We offer a wide range of mortgages in Farnham, including:

1. First time buyer mortgages

First-time buyer mortgages are a specific type of mortgage designed to help people purchase a property for the first time. They typically come with lower down payment requirements and more flexible underwriting guidelines than traditional mortgages. If you are thinking about buying a home for the first time, you should definitely consider getting a first-time buyer mortgage. These mortgages can help you to make your dream of homeownership a reality.

2. Remortgages

If you already own a property in Farnham and are looking for a better deal at the end of your mortgage term, we can help. By switching to a new mortgage deal with a lower interest rate, you could potentially save hundreds of pounds each month on your repayments. Remortgaging can also be an opportunity to shorten your mortgage term. This means paying off your loan faster and saving on overall interest costs.

3. New build mortgages

A new build mortgage is a type of mortgage designed for financing the purchase of a newly build property that hasn’t been lived in before. While they are similar to standard mortgages, there can be some advantages to using a new-build mortgage, especially if you’re set on a brand-new home. Some housebuilders might offer incentives alongside the mortgage, such as cash contributions towards your deposit or help with legal fees. This can ease the financial burden of buying a newly built property.

4. Buy to let mortgages

Buy-to-let (BTL) mortgages are for individuals who want to purchase a property to rent out to tenants rather than live in themselves. Generally, you’ll need a larger deposit for a buy-to-let mortgage, typically ranging from 20% to 40% of the property value. This is because lenders perceive renting as carrying more risk than owner-occupancy. At Mortgage Decisions, we have access to a vast array of buy-to-let mortgage products from various lenders. This significantly increases your chances of finding the most suitable mortgage that aligns with your investment goals and financial situation.

5. Shared ownership mortgages

Shared ownership mortgages are designed to help people purchase a share of a property, typically between 25% and 75%, and pay rent on the remaining portion owned by a housing association or developer. This can be a good option for first-time buyers who may need help to afford a full deposit on a property on the open market. Shared ownership mortgages can be a pathway to homeownership in Farnham for those needing help to afford a full purchase on the open market. We can guide you through the process and make sure shared ownership aligns with your long-term 

6. Bad credit mortgages

Bad credit mortgages, also known as adverse credit mortgages, are for borrowers with a poor credit history. These mortgages typically come with higher interest rates and stricter lending criteria compared to standard mortgages. However, they offer a lifeline for those who wouldn’t qualify for a traditional mortgage due to past credit issues like defaults, late payments, or even bankruptcy. Navigating the bad credit mortgage market can be challenging. We have connections with a wider range of lenders, including those specialising in bad credit mortgages. We can find a suitable lender willing to work with your credit history.

This is just a limited list of mortgage products we offer in Farnham.

Other mortgages we offer include:

Explore the full list of our mortgages on our website.

 

Frequently asked questions

Can I apply for a mortgage without a broker?

Is it better to go to a mortgage broker or a bank?

Is it worth paying a mortgage broker?

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

Very efficient service from start to finish. Good communication. Impressed all round.

  • 5 star review on TrustPilotMick T

Kevin and Beccy have been extremely helpful - firstly in exploring viable options to suit my situation and secondly keeping me in the loop and dealing with queries that arose along the way. This is my second mortgage with them, both of which had possibly unusual elements and they were able to navigate me through them and find me good mortgages.

  • 5 star review on TrustPilotThea E

Thank you, Kevin, and Beccy for a proactive service securing a better than expected mortgage rate.

  • 5 star review on TrustPilotSarah T

The best mortgage advisors in our opinion. I was kept up in the loop from day one. Extremely friendly and professional service. Thank you once again.

  • 5 star review on TrustPilotPawel W

Amazing experience!!! I can't thank Jack and Russell enough for all they have done!!! Kept informed every step and felt very supported by them thank you!!

  • 5 star review on TrustPilotKerry S