About Simmonds Mortgages
At Simmonds Mortgage Services, we’re a small, tight-knit team of friends who believe in keeping things simple, honest, and real. No chatbots. No call centres. No confusing jargon. Just straight-talking mortgage advice from people who genuinely care.
Accreditations: Simmonds Mortgage Services Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Registered Office: Simmonds Mortgage Services Ltd, 22b Market Place, Wokingham, Berkshire, RG40 1AP. Company Number: 1152 8784 Registered in England & Wales.
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Working with Simmonds Mortgage Services
With years of experience and in-depth industry knowledge, we cut through the noise to give you clear, expert guidance—without the fluff. Whether you’re buying your first home, remortgaging, or investing in property, we’re here to help you make smart decisions that work for your life, not someone else’s sales target.
We’re proud to be known for our 5-star service and down-to-earth approach. You can reach us anytime—no awkward hours, no waiting weeks for a reply. Just honest advice, when you need it.
About Andrew Simmonds
“What inspired me to become a mortgage broker was the desire to help people navigate one of the most important financial decisions of their lives—buying a home and investing in property. I’ve always had an interest in finance and the housing market and property investment, but what really drew me to this field was the opportunity to make the process less overwhelming for clients. Being able to guide someone through the mortgage journey, explain their options clearly, and help them feel confident in their decisions is incredibly rewarding. At the end of the day, it’s about building trust and making homeownership and investing in property more accessible and less stressful.”
Andrew Simmonds
Managing Director
Our Values
Meet the Team
Andrew and Dan are happy to meet or chat at a day, time and location most convenient to you, with no obligation to you. These meetings are usually arranged by prior appointment.
Andrew Simmonds
Simmonds Mortgage Services is owned and run by Andrew Simmonds. He has been a Mortgage Adviser for over 10 years and is committed to offering all clients the best possible customer service experience, as well as offering individually tailored advice specific to the client’s needs and objectives. You will be dealing with Andrew throughout the whole process, which means you also know you will get a reply to your email and returned phone call if you are unable to reach him first time.
Andrew is happy to meet at a day, time and location most convenient to you, with no obligation to you. These meetings are usually arranged by prior appointment.
Simmonds Mortgage Services has a large client base around the Berkshire and London area, however we are happy to deal with clients throughout the country on a telephone based advice service.
Daniel Temperley
Mortgage Broker & Advisor
Daniel Temperley is the newest addition to Simmonds Mortgage Services; he brings his vast knowledge in both the residential and the buy to let market to advise what’s best for clients whether they are looking to purchase their first home, remortgage their current home, becoming a first-time landlord or a current landlord looking to diversify their portfolio.
He is passionate about offering the best client journey that meets all their needs and aspirations whether his clients are countrywide or local.
Daniel will do his upmost to visit his clients however most conversation can be done over the phone. He will be with you throughout the whole process with constant updates of the applications progress and rapid response back to you should you have a question or query.
480+ Five-Star Reviews (and Counting)
Buying a home is one of the biggest decisions you’ll ever make and for most people, the greatest loan you will ever take out, so it’s absolutely crucial that you are confident in the support and guidance you receive on your journey.
Simmonds Mortgage Services pride ourselves on being open, honest and jargon free, as well as having your best interests at heart. However, don’t just take our word for it, here is what our previous clients have said about us:
Frequently Asked Questions
Is it worth worth getting a mortgage broker?
Now, more than ever, a mortgage broker is an essential part of the home buyer journey. The mortgage market is volatile and rates can change by the hour, let alone daily. This means that relying solely on comparison sites can be misleading and end in disappointment.
Most rate tables that show the best rates currently available will not be a reflection of the whole of the market, as certain sites will have affiliations with some lenders and not others. There are also some lenders, especially in the more specialist areas, where the lenders are not available to the public, and will only be accessible by broker.
This means that as well as making your life simpler throughout your mortgage application by taking on the lionshare of the work, a whole of market mortgage broker has the absolute best chance of finding you a mortgage suited to your needs that offers the best rates on the market.
What's the difference between a mortgage broker and a lender?
This is a common question and the answer is quite simple, it’s like going to directly to an airline, versus a travel agent. A lender, typically a bank or building society, will only have access to and be inclined to recommend their own products. This means that you could miss out on a whole range or mortgages that are not only cheaper, but possibly better suited to your needs, if you go directly to a lender.
A whole of market mortgage broker, like ourselves, can give you an unbiased view of every mortgage available from every lender.You can, therefore, feel confident that we will be recommending you the most suitable product!
Should you talk to more than one mortgage broker?
The relationship with your broker is important, you need to get along with and trust the intentions of the person that will help you with such a significant life decision.
To ensure we’re a good fit for you, feel free to call us for a quick chat and set up an initial meeting to discuss how we can help
What documents do I need for mortgage broker?
You will need a few documents ahead of your decision in principle application, which is a pre-application, where we guage what the lender may be willing to offer you in terms of loan size.
When it comes to the main application, the documentation required will vary slightly from lender to lender, but we will keep you informed from day one, to prevent any delays to the process.
For your initial meeting we recommend having the following documents ready:
- Photo ID - such as a passport or driving license
- Proof of your current address - utility bill etc
- Three month’s worth of bank statements
- Proof of income - this will be three-six month’s of payslips if employed and at least 12 month’s worth of accounts and tax calculations, if self-employed
- A list of your outgoings
How long does a mortgage application take?
Each application is different, and there will be many factors that affect how long it takes to get from application to completion, particularly whether you join a chain or other buyers or opt for a new-build or empty home.
The average time for a UK mortgage application is two to six weeks, however, this depends on how straightforward your application is. At Simmonds Mortgages, we’ll do everything we can to ensure that your application progresses as quickly and efficiently as possible.
Not sure where to start? Give us a call and one of our mortgage experts will be in touch to help.
Get a mortgage tailored to you with Simmonds Mortgage Services
Simmonds Mortgage Services is an independent mortgage broker, meaning we’ll search the entire specialist mortgage market and make decisions based entirely on your situation, no matter how complex it may be.
Get in touch with us on 01184 693 037 or book a call with a specialist advisor to chat about your circumstances. We’re here to listen, answer your questions, and provide advice to help you take the next exciting step.
Andrew’s blog
Getting a mortgage can be scary but you don’t have to feel alone. Simmonds Mortgage Services are experts for a reason and we love to share our knowledge. Read Andrew’s blog to learn more about mortgages.
Can you get a mortgage later in life?
