Mortgage and protection advice for Cheam
Modern Mortgage Solutions is based in Banstead, helping clients in Cheam, North Cheam and Worcester Park. We help local buyers, movers and homeowners with clear, personal mortgage advice.
We have been guiding clients since 2005, from first-time buyers to seasoned property investors. We help with residential mortgages, remortgages, buy-to-let, complex cases and protection insurance.
Areas we cover around Cheam
We help clients in and around Cheam, including:
If you are not sure whether we can help, just ask: we serve clients across Surrey and the UK.
Situations we can help with
Family homes
If you are moving to a bigger home, we can explain how lenders assess affordability and how your current mortgage might move with you.
First homes
If you are buying your first property, we can walk you through the process from agreement in principle to completion.
Remortgage reviews
If your deal is ending or your circumstances have changed, we can review the options available to you.
Self-employed applicants
Running your own business can make the paperwork different. We can explain what evidence lenders usually ask for.
Every case is different. Whether a lender will offer you a mortgage, and on what terms, depends on your circumstances and the lender's criteria. We will explain your options once we understand your situation.
How it works
- Initial consultationWe take time to understand your goals, circumstances, and finances - no jargon, no pressure.
- Market searchWe look for products that suit your needs and explain the options clearly.
- ApplicationWe handle the paperwork, liaise with lenders, and keep you updated at every stage of the process.
- CompletionCollect your keys. Before your deal expires, we will contact you to discuss what options are available.
Getting in touch
We are based in Banstead. Speak to us by phone or WhatsApp, or send an enquiry and we will come back to you. Our phone lines are open Monday - Friday, 9am - 6pm.
Questions people ask
Do you have an office in Cheam?
No. We are based in Banstead, helping clients in Cheam and the surrounding area. You can speak to us by phone or WhatsApp, or send an enquiry.
Do you charge a fee?
Fees are dependent on individual circumstances and will be payable on application. The typical fee would be £495; maximum 2% of the mortgage loan.
Can you help if I am self-employed or a contractor?
Yes, we can help with non-standard situations, including self-employment, contractors, complex income streams and bonus structures. See our complex mortgages page and document checklist.
Can you tell me today's rates?
Mortgage pricing changes regularly, so we provide the latest options directly based on your circumstances. Call us or send an enquiry.
Please note: This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender.