What’s the minimum deposit I need?

Most lenders require at least 5%, but putting down more can unlock better rates and lower monthly payments.

Do I need to speak to a mortgage broker?

We can introduce you to a regulated mortgage broker where advice is required. They’ll recommend the right mortgage based on your specific needs.

How long does the process take?

On average, it takes 4 to 8 weeks from mortgage application to offer — but it can vary depending on the lender and legal process. We’ll help keep things moving.

Can I combine multiple pensions into one?

Yes — pension consolidation is common, but depends on your scheme types and if any benefits would be lost.

What if I don’t know where my pensions are?

We’ll help you track them down using pension tracing tools and provider contact checks.

Can I access my pension early?

Generally from age 55 (rising to 57 in future), but early access may reduce your future income.

Residential Mortgages SUTTON

🏠 Helping You Secure the Right Mortgage

Whether you’re buying your first home, moving to a new property, or refinancing your current one, we support buyers and homeowners across Sutton, Cheam, Belmont and the wider South London area.

We assist with residential mortgage applications for all types of buyers — including first-time buyers, home movers, and remortgaging clients. From understanding your borrowing power to navigating lender requirements, we’re here to make the process smoother.

🤝 What We Can Help With

🔍 Residential mortgage advice and support
📑 Home mover and remortgage applications
📉 Competitive fixed, tracker, and variable-rate options
🏦 Liaising with lenders and helping you prepare documentation

🏘️ Types of Residential Mortgages

🧍 First-time buyer mortgages
🔁 Remortgages for better rates or releasing equity
🔑 Home mover mortgages
👨‍👩‍👧‍👦 Family-assisted and joint borrower options

❓ Residential Mortgage FAQs

💰 How much can I borrow?

Lenders typically offer 4 to 4.5 times your income, depending on your affordability, credit history, and existing commitments. We can help you estimate your borrowing range and monthly costs.

🏦 What documents will I need?

You’ll usually need payslips, bank statements, proof of deposit, and ID. If you’re self-employed, tax calculations and SA302s may be required. We’ll guide you through what’s needed.

⏳ How long does the mortgage process take?

Most applications take around 4 to 8 weeks from submission to offer. Timings depend on how quickly you can provide documentation and how fast your lender processes cases.

📞 Speak to a Local Expert

We support clients across Sutton and nearby areas with professional, local guidance on residential mortgage options. Whether you’re buying or remortgaging, we’re here to help you move forward confidently.

📩 Get in Touch

Use our contact form, request a callback, or give us a call — whatever works best for you.

🧮 Mortgage Calculator for Sutton Buyers and Homeowners

Planning ahead is key — and our mortgage calculator gives you a simple way to estimate your monthly repayments before making any commitments. Whether you’re buying a property in Sutton or considering a remortgage, it’s a quick way to check affordability.

Just enter your loan amount, interest rate, and term to get an instant idea of what your repayments could look like. It’s a great first step in understanding your options and budgeting with confidence.

Ready to explore your numbers?
Try our Mortgage Calculator now and start planning your next move in Sutton.

Contact Us Today -0800 8786 047

Please feel free to complete our form and one of our friendly team will happily contact you.