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.

Protection Services

Protection & Life Insurance in Guildford

Making sure your loved ones are financially secure matters just as much as choosing the right mortgage. Across Guildford, Burpham, Merrow and Godalming, we help families and individuals explore protection options that provide peace of mind. When tailored recommendations are needed, we’ll connect you with an FCA-regulated adviser who can match cover to your circumstances.

How We Help

Explain protection types in plain English
Check affordability alongside your mortgage or rent
Outline common exclusions and optional add-ons
Connect you with a regulated adviser for personalised cover

Common Types of Cover

Life insurance: Pays out a lump sum if you pass away during the policy term
Critical illness cover: Lump sum on diagnosis of specified serious conditions
Income protection: Regular income if illness or injury stops you working
Family benefit plans: Ongoing support for dependants

Why Protection Matters

Mortgages, rent and everyday bills continue even if something unexpected happens. Having the right cover in place means your family can stay in their home and maintain financial stability.

Local Notes

Guildford’s high property values often mean larger mortgage balances. Protection tailored to your loan and income helps safeguard your home and your family’s future.

Protection & Life Insurance FAQs

How much cover do I need?

It depends on your mortgage, income and family needs. An adviser can calculate the right level.

Can I cover both myself and my partner?

Yes — joint policies can be arranged, or separate policies for more flexibility.

Is protection expensive?

Basic life insurance is often more affordable than expected; costs rise with age, health and cover type.

Can I add protection after I’ve taken my mortgage?

Yes — you can arrange standalone cover at any point.

Next Steps

Share your situation and goals. We’ll outline options and connect you with an FCA-regulated adviser to arrange suitable protection.

🧮 Mortgage Calculator for Guildford Buyers and Homeowners

Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.

Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.

Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.

Contact Us Today -0203 656 5182

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