Business Details
20 Years
experience
Award-Winning Mortgage Brokers in Surrey
Xpress Mortgages is an award-winning specialist mortgage brokerage based in Surrey with a dedicated team of experienced professionals. Since 2006, we have provided tailored mortgage solutions by accessing over 100 lenders and thousands of products to secure the best deals for our clients. Our services span residential, buy-to-let, commercial, and specialist mortgages, supported by comprehensive protection and conveyancing advice.With 275+ five-star reviews, we prioritise transparency, personalised guidance, and a hands-on approach, ensuring clients receive expert support from initial consultation to completion and beyond. Our team's extensive industry experience, including director-level roles in mortgage trade bodies, reinforces our commitment to excellence and client satisfaction.
Services
Residential Mortgages
Buy To Let
Remortgages
Commercial Mortgages
Adverse Credit
Later Life Lending
Wills & Probate
Conveyancing
Mortgage Protection
Equity Release
Details
- Year established: 2006
Highlights and features
- We offer 275+ five-star Google reviews demonstrating client satisfaction.
- Our team includes directors with roles in national mortgage trade bodies.
- We provide access to 100s of lenders and 1000s of mortgage products.
- Our process includes ongoing support from application to completion.
- We guarantee transparent fees with no hidden costs.
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Knowledgeable team
Stress-free process
Prompt communication
Tailored advice
Services
Residential Mortgages
We specialise in residential mortgages for first-time buyers, home movers, and investors. Our advisers assess your financial situation to recommend competitive fixed or variable-rate products tailored to your needs. With access to 100s of lenders, we secure optimal terms and rates while guiding you through the application process.
Buy To Let
Our buy-to-let mortgages cater to property investors seeking competitive rates and flexible terms. We provide expert advice on portfolio management, tax-efficient structures, and landlord insurance to maximise returns. Our team simplifies the application process for both novice and experienced landlords.
Remortgages
We help homeowners remortgage to secure better rates, release equity, or adjust loan terms. Our service includes market analysis to identify savings opportunities and assistance with legal and valuation requirements, ensuring a seamless transition to a more suitable product.
Commercial Mortgages
We offer commercial mortgages for businesses purchasing or refinancing non-residential properties. Our solutions include flexible repayment options and competitive rates tailored to business cash flow needs, supported by specialist lenders catering to diverse industries.
Mortgage Protection
Our mortgage protection policies safeguard against life events impacting repayments. Options include life cover, critical illness, and income protection insurance to ensure financial security. We tailor policies to align with mortgage terms and personal circumstances.
People
Rachel Lummis
Director
Rachel founded Xpress Mortgages in 2006 after 12 years in estate agency. She serves on the Association of Mortgage Intermediaries board and specialises in first-time buyer and buy-to-let mortgages.
Carmen Green
Director
Carmen joined Xpress Mortgages in 2014, progressing to director in 2022. She specialises in first-time buyer mortgages and equity release, combining technical expertise with client-focused service to deliver tailored solutions.
Devina Heir
Mortgage Administrator
Devina joined in 2024 with four years of mortgage administration experience. Known for her clear communication and client relationships, she ensures a stress-free experience through transparent and approachable support.
Ella Whitman
Mortgage Administrator
Ella joined in 2024 with a CeMAP qualification. She supports clients through the mortgage process with care and expertise, focusing on making home-buying journeys positive and straightforward for first-time buyers.
Questions
What mortgage options are available for first-time buyers?
We offer competitive first-time buyer mortgages with low deposits, fixed rates, and government schemes. Our advisers help you navigate options to find the best fit for your budget.
How do you compare mortgage rates?
We access 100s of lenders and 1000s of products to compare rates, fees, and terms. Our advisers analyse your financial situation to recommend the most cost-effective options.
What fees are involved in applying for a mortgage?
Our typical fees are £195 on application and £395 on mortgage offer. We disclose all costs upfront, with no hidden fees during the process.
Can you help with adverse credit mortgages?
Yes, we specialise in adverse credit mortgages, working with lenders who cater to clients with past credit issues to secure competitive rates and manageable terms.
Do you offer mortgage protection insurance?
Yes, we provide life cover, critical illness, and income protection policies to safeguard your mortgage repayments against unforeseen circumstances.
How long does the mortgage process take?
The process typically takes 6-12 weeks, depending on lender requirements. We streamline applications with prompt communication and proactive support to expedite completion.
Reviews (4)
Nicky Trimboy
Dec 13, 2021
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Positive:Professionalism,Quality,Responsiveness
Rachel was absaloutely brilliant, so fast and responsive and went the extra mile to get my mortgages sorted. I would highly recommend and I will definitely be using Rachel again for all my mortgage needs. Thank you for a great service especially so close up to Christmas
Rachel was absaloutely brilliant, so fast and responsive and went the extra mile to get my mortgages sorted. I would highly recommend and I will definitely be using Rachel again for all my mortgage needs. Thank you for a great service especially so close up to Christmas
Sudhakar Kunchi
Dec 03, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Carmen, dealt with our mortgage renewals twice and we are very happy with their professional support and advice. Very happy and would recommend them.
Carmen, dealt with our mortgage renewals twice and we are very happy with their professional support and advice. Very happy and would recommend them.
Alex Valuev
Nov 05, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Carmen and her team were fantastic from start to finish! Would recommend to anyone and will definitely use in the future.
Carmen and her team were fantastic from start to finish! Would recommend to anyone and will definitely use in the future.
Les Thomson
Oct 25, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Excellent service - very quick to respond and found me a far better mortgage deal than I could find myself. Everything was explained perfectly and the whole process was quick and straightforward. I would have no hesitation in using Xpress Mortgages again for any future mortgage needs.
Excellent service - very quick to respond and found me a far better mortgage deal than I could find myself. Everything was explained perfectly and the whole process was quick and straightforward. I would have no hesitation in using Xpress Mortgages again for any future mortgage needs.
