Our Mortgage Services
Buying a property can be one of the biggest decisions in life, and getting the right advice makes all the difference. Whether you’re a first-time buyer, looking to remortgage, or even looking to purchase a second home or buy-to-let, this is where Simmonds Mortgage Services excel. Our 5-star services are trusted by clients across Berkshire and beyond.
Fill out our contact form on the right, and we’ll be in touch with mortgage advice tailored to you.
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Providing individual mortgage advice, unique to you
As independent advisers with access to the entire mortgage market, we’ll search high and low to find the perfect deal for you, and we won’t settle for anything less.
Explore our mortgage solutions below or get in touch to discuss your situation.
Sound familiar? Take a look at the specialist mortgage solutions we provide.
Why you might need to work with a mortgage broker
Buying a home, remortgaging, or planning your next move is a big step, and you deserve to feel confident while doing it.
That’s why Simmonds Mortgage Services is here to take the weight off your shoulders with expert mortgage and protection advice that’s centred around your needs.
We regularly help clients who are:
Self-employed with complex income
Investing through a limited company
Over 55 and exploring retirement interest-only or equity release
Experiencing complex financial situations and worried about their options
Wanting to help a family member get a mortgage without owning the property
Frequently asked questions about mortgages
What's the difference between a standard and specialist mortgage?
When we talk about standard mortgages, we're usually referring to those offered by high-street lenders for applicants who meet straightforward criteria. Specialist mortgages are there for people with more unique financial circumstances, such as a complex wealth structure, low credit rating, or challenging property type. Specialist lenders provide more flexible underwriting and can often consider cases that other mortgage lenders might turn away.
What counts as complex income?
If your income comes from less traditional sources, then it's likely considered complex. This often includes self-employed earnings, multiple income streams, bonuses or commission, rental income, foreign currency earnings, or irregular payments. It doesn't mean a mortgage is off the cards. As specialist brokers, we'll help you present your earnings to lenders in a way that improves your chances of approval.
Are specialist lenders more expensive?
Sometimes, but not always. As independent brokers, we can search the entire market for exclusive deals and better interest rates that other mortgage brokers might miss.
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
We’ve built our reputation on being open, honest, and clear, as well as having your best interests at heart. But don’t just take our word for it, take a look at our 5-star reviews from over 400 happy clients.
Call us on 0118 469 3037 for a free, friendly chat about your mortgage needs. We’ll help you take the next step towards your dream home.
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.
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Contact Us
Get in touch with us by calling 0118 469 3037 for a free chat about your specific circumstances. Let us help you secure your dream home.