Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority do not regulate some buy to let mortgages.
We charge a fee of typically £495.00 and we are also paid an introductory commission from the lender. Alternatively you could chose to receive the commission from the lender and pay us a fee of an estimated 1% of the mortgage advance.
Curchods Mortgage Services have been in business over 20 years, providing advice on residential mortgages, buy-to-let mortgages, life assurance, health insurance and mortgage advice. Our trading partner Lifetime Wealth Management can provide advice on pensions and investments.
At Curchods Mortgage Services, we are independent of any one lender and all of our advisors are fully qualified with many years experience to advise, research, prepare and submit your mortgage application. If you need to secure a mortgage for your next property purchase, contact us to find out more.
Director - Senior Mortgage Consultant
Senior Mortgage Consultant
Senior Mortgage Consultant
I was approached by a client who has had discussions with his bank and also another mortgage consultant. He was told by both of them that with only one years trading and accounts then he would struggle to find any mortgage lender willing to lend to him.
He was directed towards one lender that ‘may’ look at the case, however this was declined on affordability due to the fact that he was paying a large school fee each month. This reduced the lending down to below half of what the client required.
With only one year's trading behind our client, the traditional approach to securing a mortgage was not being successful... read more
A new client was referred to Curchods Mortgage Services by one of our sales offices who were currently living in rented accommodation and had found a property they wanted to purchase for £335,000. They had managed to save 15% of the purchase price to cover the deposit for the property.
They had spoken to a number of local competitors mortgage advisers and had been told they could not find them a mortgage which would allow purchase to proceed.
Lenders were declining their mortgage application because our client was about to start a new job and would be on probation whilst his wife was earning self employed income... read more
I was introduced to a potential client who wanted to move home but were declined by their existing lender due a black mark on their credit file since taking out their original mortgage.
They spoke to three other high street banks and spent a total of six hours in meetings with the banks only to establish that none of them could help.
Our client could not secure the mortgage they needed because of the black mark on their credit file.
After meeting with the clients I was quickly able to demonstrate to the clients that they were not 'un-mortgageable' but that... read more
I was contacted by a client of US nationality, who wanted to buy a property for sale in the Cobham area and they currently resided in the United States.
They had seen a brand new property available for £1.5 million and they needed to borrow 75% of the property value.
The client was a Finance Director of a large Multi-National company with income derived from various allowances along with basic income.
Due to the nature of the client’s residency overseas currently and their Visa status... read more
I had a client who is a corporate lawyer working for a large American Law firm. The client is classed as an equity partner, responsible for her own tax and was renumerated by invoicing the law firm. Her partner is a fitness instructor on a part employed, part self-employed basis. She banks with HSBC and was promised a loan on a property in Putney of 70% of the property value. The client also has a rental property in the background, which is self-funding and mortgaged with HSBC as well.
A week before exchange of contracts HSBC declined the loan, Curchods Mortgage Services were asked to step in at short notice to try and... read more
“The service was excellent, very helpful and friendly. All of the admin team were great.”Mr B
“Martin was able to build a trusted relationship through the process and was very helpful.”Mr & Mrs S
“Mike Dean was extremely swift in sorting out our mortgage offer and the admin team were extremely responsive.”Mr & Mrs B
“Thanks for all your help Tim - we'll definitely pass your details on to anyone who needs a reliable and efficient mortgage advisor.”Mr C & Miss K
“Simon Labrow was my adviser. I would strongly recommend him to others and be confident that he would do a top quality job for them.”Mr & Mrs N
“We appreciate Mike Dean's help in finding and organising the right product, which was just in time and demanded the right amount to buy our desired property. ”Mr H & Mrs M
“Once again, many thanks to Chris and his colleagues for handling our application, all done with the minimum amount of fuss. Thank you!”Mr & Mrs M
“Tony was really helpful and made our experience a positive one. Everything was turned around quickly and was exactly as he said it would be. Our expectations were really well managed and we are delighted with the outcome. ”Mr & Mrs A
“The Shepperton team, Owen, Elizabeth and our Mortgage Advisor, Simon Labrow, have been fantastically supportive and understanding. The best estate agency team we have experienced ever and would recommend them to anyone.”Thornhill Way, Shepperton
“We would definitely recommend Curchods Mortgage Services to others, they have been brilliant.”Kashmir Close, New Haw
“Mike Dean was very helpful in dealing with my mortgage needs. He was very easy, approachable and recommend the right product having considered my circumstances.”St. Andrews Gardens, Cobham
“Martin Worland advised my wife and I last year and myself on a refinance this year. We have recommended Martin to a number of friends and colleagues and always appreciate his advice and support. We look forward to working with Martin again soon.”Mr P, Thames Ditton
“98% of our clients say they would recommend us and use us again, and we've been voted by the public as Surrey's Best Estate Agent for customer satisfaction for the last 3 years running in 2013, 2014 and 2015!”
Mortgage Services, Wix Hill House Epsom Road, West Horsley, Surrey, KT24 6DY
Monday - Friday 8.30am - 6pm