Independent Mortgage Brokers & Advisors in Sandhurst
At Simmonds Mortgage Services we provide bespoke independent broker advice and support for clients in and around Sandhurst with all of their property concerns or requests. Be reassured that our style is to guarantee the reliable and correct advice tailored to your individual situation.
Buying or Remortgaging your property or Investment Portfolio is no easy task in today’s climate, this why dealing with an impartial, whole of market broker with experience is crucial.
You can review what our past clients have said about us by visiting Vouched for and Google to see our five star reviews.
Clear advice for your next property decision
Your mortgage needs to work with the way you live and earn. You might be buying with a partner, moving to a family home or approaching the end of a deal you arranged several years ago. We begin with your circumstances and explain what lenders will need to understand.
If your application is less straightforward, tell us early. We are comfortable working through company income, several sources of earnings and previous credit problems. We’ll investigate the options and be honest about what may be possible.
Our team serves Sandhurst 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.
How we help when a lender has already said no
A self-employed IT contractor in Berkshire came to us after a high street lender declined his remortgage. He worked through a limited company on a day rate and had credit problems. We reviewed his finances, assessed the borrowing using his contract earnings and approached a lender willing to consider the circumstances. His remortgage was approved.
In the published case, the client described Andrew and the team’s communication:
“The team were always available to answer my questions and kept me informed every step of the way.”
Read the Berkshire contractor mortgage case study.
This example comes from our work in Berkshire. It shows our approach to a more involved application; the options available to you will depend on your own circumstances.
Buying a property in Sandhurst
Your search might include Little Sandhurst or a home within reach of Sandhurst Memorial Park and Shepherd Meadows. These neighbouring green spaces sit in the south of the town by the River Blackwater. In Little Sandhurst, Ambarrow Court is a local nature reserve.
Location is one part of the decision. Before you commit to a property, consider the mortgage payment alongside maintenance, travel and any work you want to carry out. For a flat, ask about the lease and service charges. For a home near the river, ask your solicitor about the searches and investigate buildings insurance early.
Sandhurst station is served by Great Western Railway. If you travel for work, check your actual route, connections and costs rather than relying on a general journey time to London. We can help you explore a borrowing budget that leaves room for your other regular commitments.
First time buyer mortgages in Sandhurst
You do not need to have an offer accepted before speaking to us. Our first-time buyer mortgage advice helps you understand your potential borrowing and the documents you will need. We explain the deposit, mortgage costs and application stages in plain English.
If your earnings are high but include bonuses or other variable payments, our high-income first-time buyer service can investigate how lenders may assess them. We can also discuss joint borrower sole proprietor mortgages if someone is considering supporting the borrowing without owning the home. Everyone involved needs to understand their obligations.
Moving home in Sandhurst
Before deciding on your next home, let us review the mortgage you already have. Our home mover advice considers your available equity, any extra borrowing and the cost of leaving your current deal. It may be possible to take the deal to another property, subject to the lender’s approval.
If you want to keep your existing home and rent it out, we can explore let-to-buy mortgages. Both mortgages need to work together, and the intended letting must be acceptable to the lender.
Remortgages in Sandhurst
A deal ending is a useful point to review your borrowing. Our remortgage service compares options from your current lender with moving to another lender. We look at the full cost, including fees and any early repayment charge.
You may be planning improvements or dealing with a change in income since your last application. Tell us what has changed so we can assess the current position. If a longer term reduces the monthly payment, we’ll also explain its effect on the overall amount repaid.
Specialist mortgage advice for Sandhurst clients
Self employed income and contract work
If you run a business, the figure on a payslip may not show your full earnings. Our self-employed mortgage advice covers sole traders and limited company directors. We ask how you pay yourself, how long you have traded and what evidence is available. Our contractor mortgage advice also considers contract terms and working history when researching suitable lenders.
Credit history and previous mortgage refusals
A refusal leaves questions that deserve a proper answer. With our bad credit mortgage service, we review the details behind the decision, the dates of any credit problems and your finances now. We can then explain whether there may be a suitable route or whether you need to make changes before applying again.
Overseas earnings and residency
We provide foreign income mortgage advice for earnings paid from overseas, alongside foreign national mortgage advice. Income currency, employment arrangements and residency can affect lender requirements. Share those details at the start so we can focus the research.
High net worth borrowing
For a larger loan or finances spread across several sources, our high-net-worth mortgage advice looks at the wider position. We discuss the borrowing objective and the evidence needed before approaching lenders.
Buy to let mortgages in Sandhurst
Whether you are buying your first rental home or reviewing an existing portfolio, we offer buy-to-let mortgage advice based on the property, expected rent and your wider commitments. We also arrange limited company buy-to-let mortgages for borrowing through a company. Your tax adviser can help you assess the ownership decision.
More specialist property plans may need HMO mortgages for houses in multiple occupation or multi-unit freehold block mortgages. We also advise on holiday-let mortgages for clients buying holiday accommodation. Explain the intended use before assuming a standard rental mortgage is suitable.
Using savings or borrowing alongside an existing mortgage
We can explain offset mortgages, where eligible savings are linked to the mortgage for interest calculations. We also advise on second-charge mortgages, which add a separate loan secured against your home. We assess the costs and risks alongside alternatives, including a remortgage where appropriate.
Later life borrowing and protecting your household
If you are approaching retirement or considering using some of the value in your home, we can discuss equity release through a lifetime mortgage and retirement interest-only mortgages. We explain how repayments work and what the arrangement could mean for your future plans. Equity release may accumulate interest, reduce your estate and affect entitlement to means-tested benefits. It is a long-term commitment and is not suitable for everyone.
Our insurance and protection advice covers life assurance, critical illness cover and income protection. Depending on your circumstances, we can discuss decreasing term assurance, level term assurance, relevant life assurance and family income benefit. We’ll explain what the cover does and the conditions and exclusions that apply.
A further example of our approach
In another published case, a self-employed couple nearing retirement wanted to keep their home and rental property when their interest-only mortgage needed repaying. We combined specialist buy-to-let refinancing with a lifetime mortgage so they could retain both properties. This example from our wider client work shows why it helps to consider the borrowing on both properties together.
Read how we helped the couple keep both properties
Meet the advisers who can help in Sandhurst
Andrew Simmonds
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. His work includes company directors, landlords and later-life borrowers, as well as clients whose income or credit history needs closer investigation. Read Andrew’s profile.
Daniel Temperley
Daniel helps first-time buyers, homeowners and landlords with residential and buy-to-let mortgages. He explains the steps involved and supports clients as their applications progress. If you are moving or approaching the end of a deal, he can help you understand the borrowing options and what information a lender needs. 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
Considering a wider property search? We also help buyers in Crowthorne and Bracknell. If your search takes you further west, see our mortgage advice in Newbury. Our Berkshire mortgage advice page brings together the other areas we serve.
Sandhurst mortgage FAQs
Are your mortgage advisers based in Sandhurst
We serve Sandhurst from our Wokingham office at 22b Market Place, Berkshire, RG40 1AP. You can speak to an adviser by phone and arrange a meeting by appointment. Contact us to discuss the most suitable arrangement. You do not need to have chosen a property before getting in touch.
Are you an independent mortgage advisor serving Sandhurst
Yes. Simmonds Mortgage Services is an independent mortgage broker. We research products from a range of lenders and explain why a recommendation fits your circumstances. This does not mean every product from every lender is available through us. We’ll explain our service, fees and how we are paid before you proceed.
Is your mortgage advice free
Your initial chat is free. If we arrange a mortgage, a fee may apply depending on your circumstances. The typical mortgage arrangement fee is £499, payable once your mortgage offer is confirmed. For a lifetime mortgage, the typical fee is £799 at the same stage. We’ll confirm the applicable fee before you commit.
How much can I borrow to buy in Sandhurst
That depends on your income, regular commitments, deposit and the lender’s assessment, as well as the property. Start with a monthly payment you could manage alongside travel, household costs and any planned repairs. We can explore the borrowing options once we understand your finances. A town-wide house price average would not establish your personal budget.
Can I get a mortgage with salary and dividends
Potentially. We’ll ask about your company, trading history and how you take income. Lenders differ in their treatment of company directors and the evidence they require. Accounts, tax documents and bank statements may be needed. A recent change in profit or the way you pay yourself should be discussed before an application is submitted.
Can you help if I have missed payments or been declined
We can investigate. Tell us what happened and share any reason given for the refusal, alongside your credit information. The type, timing and extent of the issue all matter. Our Wokingham contractor case shows how a specialist assessment helped one client, but it does not guarantee an approval for another applicant.
Can I buy a new build home in Sandhurst
We can research mortgage options for the property you are considering. Share the reservation terms, expected completion date and any developer incentives early. The lender may have specific requirements for new builds and the length of time its offer remains valid. If completion is delayed, an extension may be possible or a fresh application may be needed.
Speak to a mortgage adviser about your Sandhurst plans
Whether you are ready to apply or still working out what is possible, we can help you understand the next step.
