Mortgage and protection advice for Epsom
Modern Mortgage Solutions is based in Banstead, helping clients in Epsom and Ewell with residential, remortgage, buy-to-let and protection 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 Epsom
We help clients in and around Epsom, 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
Commuters buying into the area
If you commute for work, we can explain how lenders look at your income, commitments and deposit when you are buying.
Growing families
Moving from a flat or terrace into a larger home often means borrowing more or porting your mortgage. We can help you understand the options and plan the timing.
Fixed rates coming to an end
If your deal is ending, we can review the options and help you switch, whether that is a new lender or a new product with your existing one.
Self-employed and contractors
If you run your own business or work on contracts, we can explain the 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. You can speak to us by phone or WhatsApp, or send an enquiry at any time. Our phone lines are open Monday - Friday, 9am - 6pm.
Questions people ask
Do you have an office in Epsom?
No. We are based in Banstead, helping clients in Epsom 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.