Mortgage and protection advice for Reigate
Modern Mortgage Solutions is based in Banstead, helping clients in Reigate, Redhill and the surrounding villages. Whether you are moving within the borough, buying your first home or reviewing an existing mortgage, we can help you understand your choices.
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 Reigate
We help clients in and around Reigate, 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
Moving home
Selling and buying at the same time needs careful planning. We can explain porting, borrowing more and how the timings fit together.
Higher-value and complex purchases
If your income includes bonuses, dividends or several sources, or you need a larger loan, we can explain what lenders tend to look for.
Remortgaging
Coming to the end of a fixed rate? We can review the options and help you switch.
Buy-to-let
Landlords with property in Reigate and Redhill can talk to us about buy-to-let finance and structures.
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 call, WhatsApp or send an enquiry, and we will arrange a time to talk that suits you. Our phone lines are open Monday - Friday, 9am - 6pm.
Questions people ask
Do you have an office in Reigate?
No. We are based in Banstead, helping clients in Reigate 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.