Independent mortgage advice for Ascot buyers and homeowners
Whether you are buying an apartment, moving to a larger family home or reviewing an investment property, we begin with what you want to achieve. We explain the mortgage options, help with the application paperwork and deal with lender questions along the way.
A larger deposit or strong earnings can still leave questions about a mortgage. You may take salary and dividends, receive annual bonuses or earn in another currency. We look at how those finances can be evidenced and assessed. If something limits your options, we’ll explain it early.
Our team serves Ascot from our office in Wokingham. Advice is available by phone, with meetings by appointment. Your initial chat is free. If we arrange a mortgage, a fee may apply, typically £499 once the mortgage offer is confirmed. We’ll explain the fee for your circumstances before you proceed.
Don’t just take our word for it! Check out the five-star reviews from our happy clients on VouchedFor and Google. Their experiences speak volumes about the quality of service we provide. We’re proud of our track record and the trust we’ve built with our clients.
Why choose to get a mortgage in Ascot?
Ascot, Berkshire, is a charming and picturesque town located in the Royal Borough of Windsor and Maidenhead, just a stone’s throw away from the capital. It’s a perfect place to live if you’re looking for a peaceful, green, and affluent area that’s also well-connected to the city. The town is home to the famous Ascot Racecourse, which attracts visitors from all over the world. Additionally, Ascot has some of the best schools in the country, making it an ideal place to raise a family.
Investing in property in Ascot is also a smart move. The town’s location and reputation make it an attractive option for investors looking for a strong and stable return on investment. Property prices in Ascot tend to be higher than in many other areas, thanks to its exclusivity and popularity. However, the area is still considered a good investment, with strong rental yields and increasing property values.
Ascot has much to recommend it as a place to live, work, or start a business. If you are looking to move to or invest in property in the area, then contact Simmonds. We offer mortgage advice that’s centred around finding you the very best deal based on your goals and financial situation.
Book your meeting online to discuss mortgage rates and options.
How can our mortgage brokers help you in Ascot?
At Simmonds Mortgage Services, we are a highly qualified and expert team, committed to helping you get a complete understanding of the options and plans available to you. We’re here to make the home-buying process feel much easier so you can focus on your new property.
First-time buyer mortgages
Buying your first home is an exciting step. But with Ascot property prices typically higher than average, many first-time buyers need a clear plan to make their purchase possible.
We help you understand realistically how much you can borrow, what size deposit you’ll need, and which lenders are most likely to support your application. Whether you’re looking at apartments near the centre or family homes in surrounding areas, we’ll help you find a mortgage deal that fits your budget and gets you onto the property ladder.
Home mover mortgages
If you’re already living in Ascot or moving into the area, your next step might be upgrading to a larger property, relocating for schools, or finding a home that better suits your lifestyle.
We work closely with home movers to make sure your mortgage keeps pace with your plans. From reviewing your current mortgage to securing a new deal for your next home, we help you move forward feeling clear and confident… even in a fast-moving market.
Remortgaging in Ascot
With property values in Ascot often performing well, many homeowners are in a strong position to review their mortgage.
Remortgaging could help you find a better interest rate, lower your monthly payments, or release equity for things like home improvements or other financial goals. We compare options across the mortgage market to make sure you’re not overpaying and that your mortgage continues to suit your needs as they evolve.
Buy-to-let mortgages for landlords in Ascot
Ascot’s strong rental demand, driven by professionals, families, and those relocating to the area, makes it an attractive location for buy-to-let investors.
Purchasing your first rental property or growing your portfolio? We provide expert advice to help you get the most from your investment. We’ll guide you through lender requirements, rental yield considerations, and the best buy-to-let mortgage options available so you can make informed decisions with confidence.
Specialist mortgage advice in Ascot
We regularly work with clients in Ascot whose circumstances don’t fit a standard application, and that’s where our experience makes all the difference.
You may be self-employed, have a complex income structure, a history of bad credit, or be purchasing a high-value property. The role of our specialist mortgage services is to match you with the right mortgage solution, even when things aren’t as straightforward.
Equity release products
If you’ve built up significant equity in your Ascot property, you may be considering ways to access it later in life.
Equity release can provide financial flexibility, whether you’re looking to support family, fund lifestyle changes, or simply make the most of your assets. We offer clear, supportive advice to help you understand your options and decide whether it’s the right step for you.
Other protection and insurance services we offer
Getting a mortgage is a huge life commitment, and part of our job is to ensure you’re protected even if something unfortunate happens. We help you keep hold of your new home and charming new life with mortgage protection and cover.
Our mortgage and protection advisers assist with:
- Life Assurance
- Critical Illness Cover
- Income Protection
Meet the mortgage advisers who can help in Ascot
Andrew Simmonds – mortgage advisor
Andrew is the founder of Simmonds Mortgage Services. His financial planning career began in the early 2000s, and he later built a mortgage division before establishing the firm. He holds CeMAP and the IFS Level 3 Certificate in Equity Release. He advises on company income, landlord borrowing and later-life mortgages, including cases that need detailed research. The Berkshire contractor example above reflects that approach. Read Andrew’s profile.
Daniel Temperley
Daniel advises on residential and buy-to-let mortgages for first-time buyers, homeowners and landlords. The Berkshire family’s move described earlier is an example of his work. He helps clients understand the recommendation and supports them through the application, including questions about existing borrowing. Meet Daniel and the team.
Start with a conversation
Tell us what you are planning and where you need help. We’ll discuss your finances, explain the service and fees, and identify the information needed. Your adviser researches the options and explains the recommendation. If you proceed, we support the application and handle lender questions as they arise.
Book a free initial mortgage chat | Call 0118 469 3037
Start your mortgage journey in Ascot with Simmonds Mortgage Services
At Simmonds Mortgage Services, we combine expert guidance and personalised advice to help you find the right mortgage deal. We’ll search the entire specialist mortgage market and make decisions based entirely on your situation, no matter how complex it may be.
If you’re ready to take the next step, 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 guide you through the entire process.
Frequently asked questions about getting a mortgage in Ascot
What is the property market like in Ascot?
Ascot is a really sought-after area, and it’s easy to see why. You’ve got a great mix of beautiful homes, excellent schools, and a lifestyle that balances countryside living with easy access to London. Property prices here tend to be higher than in some surrounding areas, with average house prices reaching £889,376 over the last year, ranging from luxurious detached properties and period cottages to modern town-centre apartments and newbuild homes.
If you need help working out how far your budget will go or what you can realistically afford in the area, we’re always happy to talk it through with you and help you plan your next step confidently.
What areas are there in Ascot?
Ascot is made up of several lovely areas, each with its own feel and property styles. You’ve got North Ascot and South Ascot, which are both popular with families, as well as areas like Sunninghill, Sunningdale, and Winkfield. Each offers something slightly different, whether that’s larger family homes, modern developments, or quieter village-style living. Where you live often comes down to your budget, commute, schools, and the type of property you’re after. We’ll always make sure your mortgage options line up with your plans.
Do you have an office in Ascot?
Our office is at 22b Market Place, Wokingham, Berkshire, RG40 1AP. We advise clients in Ascot by phone and arrange meetings by appointment. You can contact us while planning your purchase or remortgage, even if you have not chosen a property. Ask the team about arrangements if you would prefer to meet.
Are you an independent mortgage advisor serving Ascot?
Yes. Simmonds Mortgage Services is an independent mortgage broker. We research products from a range of lenders and explain why we recommend a particular option. This does not mean every product from every lender is available through us. We’ll explain the service, fees and how we are paid before you proceed.
What will your mortgage advice cost?
The initial chat is free. An arrangement fee may apply if we arrange your mortgage, depending on the circumstances. The typical fee is £499, payable once the mortgage offer is confirmed. For a lifetime mortgage, the typical fee is £799 at the same stage. We’ll confirm your fee and explain other costs to consider.
Can you help with a larger mortgage for an Ascot property?
Yes, we advise on substantial borrowing and more involved finances. We need to understand the loan required, deposit, income and existing commitments. Lenders may apply different criteria at higher loan amounts. Your assets and earnings need to be evidenced, and a substantial deposit does not guarantee approval.
Will a lender consider salary and dividends from my company?
They may do, but the assessment depends on the lender and your circumstances. We ask how long the company has traded, how you take income and what the accounts show. Changes in profits or dividend payments are worth discussing early. We’ll explain which documents are needed and investigate the relevant lending options.
Can I use bonuses or overseas earnings to support borrowing?
Possibly. We advise on variable pay and foreign income, but lenders differ in what they accept and how much they count. Tell us about payment history, currency and the evidence available. We’ll check the relevant criteria rather than assume every income source can be used in full.
What should I check when buying an apartment in Ascot?
Ask about the remaining lease term, service charges, ground rent and planned major works. Building-safety information may also be relevant. These details can affect lender acceptance and the ongoing cost of owning the property. Share the particulars with us early and ask your solicitor to review the lease and legal documents.
Can I port my mortgage when moving to Ascot?
You may be able to take the existing deal to the new property, subject to lender approval. Your finances and the property will still be assessed. Extra borrowing may have a different rate and deal end date. We compare the options and any early repayment charges, as illustrated by our Berkshire home mover case.
Can I remortgage to fund improvements to my home?
It may be possible, depending on your equity, income and the work involved. Tell us what you want to do and share any budget or quotations. We can consider a remortgage and discuss alternatives, including additional secured borrowing where appropriate. The costs and effect on your repayments need checking before you decide.
Is buying a rental property in Ascot a good investment?
That cannot be established from the postcode alone. Compare realistic rent with mortgage costs, maintenance, management fees and periods without a tenant. We can assess mortgage options and lender requirements, but cannot guarantee rental income or price growth. Get separate tax advice and investigate the local letting market for the specific property.
Can I let a property to visitors attending race meetings?
Tell us exactly how you intend to let it before applying. Short stays can have different mortgage requirements from a long-term tenancy. We can discuss whether holiday-let or other suitable mortgage options are available. You should also check any lease restrictions, insurance terms and necessary permissions. Racecourse proximity does not establish that short letting is permitted or profitable.
What are my mortgage options as I approach retirement?
We can explore later-life borrowing, including retirement interest-only mortgages and lifetime mortgages. These have different repayment arrangements and suitability requirements. We discuss your income, property and future plans, including alternatives. Equity release is a long-term commitment and can affect your estate and means-tested benefits.
Speak to a mortgage adviser about your Ascot plans
Whether you are ready to apply or still working out what is possible, we can help you understand the next step.
