Mortgages
Providing clear, independent mortgage advice for home buyers, homeowners and landlords.
Mortgage advice designed to support real life decisions
Every mortgage decision involves more than just rates. Lender criteria, affordability and future plans all play a part in finding the right solution.
I provide mortgage advice for home buyers, homeowners and landlords across Farnham, Surrey and Hampshire. With access to a wide range of lenders and no ties to any single provider, my advice is focused on what is most suitable for your circumstances.
I offer a free initial mortgage review and manage the application process on your behalf, handling paperwork, deadlines and lender communication to reduce stress and save you time.
Whether you are buying, moving, remortgaging or investing in property, my role is to give you clarity and support you through the process from start to finish.
Residential Mortgages
Residential mortgages cover a wide range of situations, from buying your first home to moving or reviewing an existing mortgage. I provide clear advice to help you understand your borrowing options, lender criteria and the implications of different mortgage products. My role is to guide you through the process and help you choose a mortgage that suits both your current needs and longer-term plans.
Remortgage
Remortgaging can be an opportunity to review your existing mortgage and consider whether a different deal may better suit your circumstances. This may include securing a new rate, reducing monthly payments or releasing equity. I review your current arrangement and explore alternative options across the market to help you make an informed decision.
First Time Buyer Mortgages
Buying your first home can feel overwhelming, particularly when navigating deposits, mortgage schemes and affordability checks. I provide clear, step-by-step guidance to help first time buyers understand how the process works, what lenders look for and what to expect at each stage, making the journey as straightforward as possible.
Buy to Let Mortgages
Buy to let mortgages are designed for landlords purchasing or remortgaging investment properties. I provide mortgage advice for a range of buy to let scenarios, including first time landlords and those looking to grow a portfolio. Advice is tailored to rental income, property type and lender requirements, helping you choose a suitable structure for your investment.
Let to Buy Mortgages
Let to buy allows you to rent out your current home while purchasing a new property to live in. This type of arrangement involves careful planning and coordination between lenders. I provide clear advice on how let to buy works, the criteria involved and how to structure both mortgages in a way that supports your move.
100% Mortgages
For some buyers, saving a deposit can be a barrier to getting on the property ladder. While true 100 percent mortgages are limited, there are lender solutions and guarantor-style arrangements that may help where a full deposit is not available. I can explain how these options work, who they may be suitable for and the risks to consider.
Why clients choose GP Norgate
With over 25 years’ experience, I provide clear, independent mortgage advice built on trust, knowledge and personal service.
Independent, Whole-of-Market Advice
I provide independent mortgage advice with access to a wide panel of UK lenders. With over 25 years’ experience, my recommendations are always tailored to your circumstances and are never tied to any single provider.
Expertise in Complex & Flexible Solutions
I specialise in complex and non standard cases, offering flexible mortgage solutions for self employed clients, multiple income streams, credit challenges and specialist property types.
Clear, No-Pressure Guidance
My advice is clear, jargon free and pressure free. I take the time to explain your options in plain English, so you can make confident and informed decisions.
Support from First Call to Completion
You will receive a free initial consultation and full support from application through to completion, helping ensure a smooth and stress free process at every stage.
Book a free mortgage consultation
This is a relaxed, no obligation conversation where we can talk through your situation, answer your questions and decide on the next steps.
Clear answers to common mortgage questions
Buying a property or arranging a mortgage can feel complex, especially if it’s your first time or your circumstances aren’t straightforward. Below I outline some of the most common questions clients ask before getting started.
If you don’t see your question answered below, you’re always welcome to get in touch for personalised advice, your initial consultation is completely free.
How much can I borrow?
The amount you can borrow depends on your income, outgoings, credit history and the lender’s affordability criteria. During a free consultation, I can give you a clear indication of what may be achievable and which lenders are likely to be suitable.
What deposit will I need?
Deposit requirements vary depending on the type of mortgage, lender and your circumstances. Some mortgages require as little as 5%, while others may need a larger deposit. I can explain your options and whether any schemes or alternative solutions may be available.
When should I speak to a mortgage adviser?
It is usually best to seek advice as early as possible, ideally before making an offer on a property. This helps ensure you understand your budget, avoid surprises and are in a strong position when dealing with estate agents and sellers.
How long does the mortgage process take?
Timescales vary depending on the lender, property and complexity of the application. I will outline expected timescales at the outset and keep you informed throughout the process so you always know what to expect.
Is the initial consultation really free?
Yes. Your initial consultation is completely free of charge and there is no obligation to proceed. If you decide to move forward with a mortgage application, any broker fee will be explained clearly in advance.
Not sure if your situation is straightforward?
Some mortgage applications fall outside standard lending criteria due to income structure, employment type or property complexity. If your circumstances are not straightforward, specialist mortgage advice may be more appropriate.
I also provide tailored advice for complex and non-standard situations, including self-employed clients, contractors, company directors and specialist property cases.