Mortgage and protection advice for Sutton
Modern Mortgage Solutions is based in Banstead, helping clients in Sutton and the surrounding neighbourhoods. Whether you are buying a first flat or a family home, we can explain your mortgage options in plain English.
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 Sutton
We help clients in and around Sutton, 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
First-time buyers
Buying your first flat or house is a big step. We explain deposits, affordability checks and each stage of the process, and our first-time buyer guide sets out the steps.
Remortgaging
If your current deal is ending, we can review your options and help you move to a new deal.
Buy-to-let investors
If you own, or are thinking of buying, a rental property in Sutton, we can talk through buy-to-let finance in a personal name or a limited company.
Protecting your family
Taking on a mortgage is often the moment people think about life insurance, critical illness cover or income protection. We can explain how they work.
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 reach us by phone or WhatsApp, or send an enquiry through the website. Our phone lines are open Monday - Friday, 9am - 6pm.
Questions people ask
Do you have an office in Sutton?
No. We are based in Banstead, helping clients in Sutton 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.