How many mortgage brokers are in Guildford?

48 FCA-regulated firms are listed for Guildford. Common focus areas include Buy-to-Let, Commercial, Ltd Co, Bridging, Development.

Why use a mortgage broker in Guildford instead of only my bank?

Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Guildford often know which underwriters are comfortable with nearby property types and survey quirks. Flat prices create opportunities for first-time buyers to negotiate. Brokers familiar with local lenders who understand commuter-belt property values can often secure better terms than high-street banks.

What does mortgage advice typically cost in Guildford?

Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.

What should I check before choosing a broker in Guildford?

Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Commercial, Ltd Co), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Can I get a mortgage in Guildford with adverse credit?

Often yes. Guildford has advisers who work with specialist lenders when high-street banks say no. Earlier advice usually means more routes stay open.

Mortgage Brokers in Guildford, South East

Q: What do typical property prices look like in Guildford?

The average price in our data is £523,409 (broadly flat year-on-year). The South East market was flat in 2025, with prices unchanged year-on-year. Proximity to London means the region tends to follow the capital's trends, though commuter towns have shown slightly more resilience.

About Guildford

Plain-English context for buyers and people remortgaging — what the market looks like, how advice works here, and what to do next.

Compact table of top mortgage brokers in Guildford
#	Broker	Verified	Rating
1	Feel Financial Services Ltd	Unverified	5.0 (60)
2	Just Mortgages Guildford	Unverified	5.0 (23)
3	Guildford Financial	Unverified	5.0 (9)
4	Horsham Mortgage Broker	Unverified	5.0 (1)
5	Time of Life Mortgages Ltd	Unverified	5.0 (3)
6	Henlys Mortgages	Unverified	5.0 (2)
7	Curchods Mortgage Services	Unverified	5.0 (254)
8	Harding Financial Ltd	Unverified	5.0 (3)
9	Switch FS	Unverified	5.0 (87)
10	Montfort	Unverified	5.0 (2)

Local snapshot

Guildford (South East) lists 48 FCA-regulated mortgage brokers on Mortgage118. Typical sold prices here average £523,409 — down 0.2% year-on-year.

The South East market was flat in 2025, with prices unchanged year-on-year. Proximity to London means the region tends to follow the capital's trends, though commuter towns have shown slightly more resilience.

What local advisers focus on

Together they cover Buy-to-Let, Commercial, Ltd Co, Bridging, Development, Self Build — useful whether you are buying for the first time, remortgaging, or building a buy-to-let portfolio.

Quick answers

How many mortgage brokers are in Guildford?: 48 FCA-regulated firms are listed for Guildford. Common focus areas include Buy-to-Let, Commercial, Ltd Co, Bridging, Development.
What do typical property prices look like in Guildford?: The average price in our data is £523,409 (broadly flat year-on-year). The South East market was flat in 2025, with prices unchanged year-on-year. Proximity to London means the region tends to follow the capital's trends, though commuter towns have shown slightly more resilience.
Why use a mortgage broker in Guildford instead of only my bank?: Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Guildford often know which underwriters are comfortable with nearby property types and survey quirks. Flat prices create opportunities for first-time buyers to negotiate. Brokers familiar with local lenders who understand commuter-belt property values can often secure better terms than high-street banks.
What does mortgage advice typically cost in Guildford?: Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.
What should I check before choosing a broker in Guildford?: Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Commercial, Ltd Co), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Prices and rates

Typical prices £523,409.

Annual movement about 0.2% (flat).

Mix of home types (averages)

Detached: £932,459
Semi-detached: £516,115
Terraced: £423,844
Flats: £267,889
First-time buyer purchases: £387,086

Borrowing costs in context

The Bank of England Bank Rate is one input to mortgage pricing; see the Bank base rate page on this site for the figure we publish. The deal you are offered still depends on deposit, term, fixed vs variable, and affordability stress tests — not any single headline rate.

Choosing advice

You can compare 48 firms side by side. 1 shows 10+ years trading history.

Collective review score is 4.8/5 across 44 brokers with ratings — use it alongside specialisms and fee transparency.

Strongest demand on our list is for Buy-to-Let, Commercial, Ltd Co, Bridging. Commercial and development lending options appear on the roster — useful if you are outside vanilla residential.

Street-level detail

Averages near £523,409 push more cases into larger loans and non-standard security conversations — underwriting gets picky on valuers and lease terms.

On the ground, a good adviser spots survey quirks, lease issues, and lender overlays that postcode-level stats miss.

Most offer a no-obligation first call so you can sense-check strategy before paying anything.

From application to completion

Shortlist two or three firms from the list above that match your situation (Guildford is already filtered for you).
Read profiles for fees, specialisms, and how they prefer to work (phone, video, face-to-face).
Book a first call — use it to test clarity and responsiveness, not just the rate quote.
Agreement in Principle (AIP) — when you are ready, your broker can run this so offers carry more weight with agents and vendors.

Find the Best Mortgage Brokers or Advisers in Guildford

Directory snapshot — Guildford

Need help choosing a broker?

Top 10 mortgage brokers in Guildford

Feel Financial Services Ltd

Just Mortgages Guildford

Guildford Financial

Horsham Mortgage Broker

Time of Life Mortgages Ltd

Henlys Mortgages

Curchods Mortgage Services

Harding Financial Ltd

Switch FS

Montfort

More areas in South East

Explore Postcode Districts Near Guildford

Market data for Guildford

Market data panel