Business Details
20 Years
experience
Award-Winning Mortgage Broker in Surrey
Xpress Mortgages is an award-winning specialist mortgage brokerage based in Surrey with a dedicated team of experienced advisers. Established in 2006, we offer a comprehensive range of residential and commercial mortgage products from over 100 lenders, ensuring clients receive tailored solutions that meet their unique financial circumstances. Our CeMAP-certified advisers specialise in first-time buyer mortgages, buy-to-let portfolios, adverse credit cases, and later-life lending, supported by a 275+ 5-star Google review rating. We maintain direct authorisation from the Financial Conduct Authority (FCA) and have consistently been recognised at national mortgage awards since 2012.Our team works extended hours (6am-8pm) to provide continuous support throughout the mortgage process, from initial consultation to completion, while maintaining transparent fee structures including a typical 195 application fee and 395 on mortgage offer. With a focus on combining technological efficiency with personal service, we act as a 'One Stop Shop' for mortgage needs, prioritising client interests through our 'hands-on' advisory approach.
Services
Residential Mortgages
Buy To Let
Remortgages
First Time Buyer
Adverse Credit
Commercial Mortgages
Later Life Lending
Equity Release
Mortgage Protection
Details
- Year established: 2006
Highlights and features
- Award-winning service with 275+ 5-star Google reviews
- Access to 1000s of mortgage products from 100+ lenders
- FCA regulated with CeMAP-certified mortgage experts
- Extended hours support from 6am to 8pm daily
- Transparent fee structure with clear pricing details
Associations and certifications
- Financial Conduct Authority
What people say
Expert market knowledge
Personalised service
Stress-free process
Quick responses
Professional team
Services
Residential Mortgages
We specialise in residential mortgage solutions for first-time buyers and home movers. Our advisers access 1000s of products across 100+ lenders to find suitable rates. With expertise in capital repayment and fixed/variable rate options, we guide clients through deposit requirements, stamp duty calculations, and affordability assessments.
Buy To Let
Tailored buy-to-let mortgage advice for property investors. We assess rental income requirements, loan-to-value ratios, and portfolio management strategies. Our specialists help clients navigate tax implications and secure competitive rates for single or multiple property investments.
Remortgages
Expert remortgaging services to help clients reduce payments or release equity. We analyse existing deals, compare market rates, and manage the transition process while considering early repayment charges and new fee structures.
Adverse Credit
Specialist mortgages for clients with credit challenges. We work with niche lenders to find solutions for past arrears, CCJs, or bankruptcy cases. Our advisers provide honest assessments and guidance to improve mortgage eligibility.
Mortgage Protection
Comprehensive mortgage protection packages including life cover, critical illness, and income protection. We ensure clients maintain home ownership during unforeseen circumstances like job loss, illness, or death through tailored insurance solutions.
People
Rachel Lummis
Director
Founder of Xpress Mortgages with 12 years' experience in estate agency. Holds CeMAP, CeRGI, CeCM, and CeARL qualifications. Elected to AMI board in 2023. Specialises in mortgage advice while managing firm operations.
Carmen Green
Director
Senior mortgage consultant since 2014, progressing to director in 2022. CeMAP and CeRER qualified. Specialises in first-time buyer mortgages and equity release. Recognised for exceptional client service in multiple awards.
Devina Heir
Mortgage Administrator
Joined in 2024 with four years' mortgage administration experience. Known for clear communication and client relationships. Focuses on creating stress-free experiences through transparent processes and approachable support.
Ella Whitman
Mortgage Administrator
CeMAP-qualified administrator since 2024. Passionate about helping clients achieve homeownership. Provides expert guidance through mortgage processes while building industry expertise in financial sector operations.
Questions
Are you regulated by the Financial Conduct Authority?
Yes, Xpress Mortgages Ltd is directly authorised and regulated by the FCA (registration number 670444) under UK regulatory regime.
What mortgage types do you offer?
We provide residential, buy-to-let, commercial, remortgage, adverse credit, and later-life lending solutions from 100+ lenders across the UK market.
How much can I borrow for a mortgage?
Typically lenders offer 4.5 times your income, but this varies by lender. Our advisers assess your circumstances to determine realistic borrowing limits.
What fees are involved in your service?
Our standard fees are £195 on application and £395 on mortgage offer. We disclose all costs upfront before proceeding with any transactions.
Do you offer mortgage protection services?
Yes, we provide life cover, critical illness insurance, and income protection policies to safeguard your mortgage payments against unforeseen circumstances.
How quickly can you complete a mortgage process?
We work efficiently to meet your timeline, typically guiding clients through the entire process from application to completion with regular progress updates.
