Mortgage Broker in Surrey

Expert mortgage advice across Surrey. From high value properties in Virginia Water and Oxshott to buy-to-let investments in Weybridge — WIS Mortgages handles complex Surrey mortgage cases with whole of market access and specialist lender knowledge.

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FCA
Authorised Broker · Reg 824411
90+
Lenders · Whole of Market
5.0★
Google Rated · 400+ reviews
Daily
Complex Cases · Approved

Local insight

Mortgages in Surrey

Surrey consistently ranks among the most expensive counties in England with average house prices in areas like Virginia Water, Oxshott and Weybridge regularly exceeding £1 million. The county attracts a high concentration of senior professionals, company directors, contractors and expats working in London who want larger homes and better value outside the capital. WIS Mortgages specialises in the complex income cases that are common in Surrey including Limited Company Director Mortgages using retained profits, Expat Mortgages for overseas buyers, High Net Worth Mortgages for premium properties and Contractor Mortgages for the large technology and finance contractor workforce.

Mortgage Services in Surrey

Whether you are buying, remortgaging or investing, we handle the complex cases others decline.

View all 30+ products
First-Time Buyer Mortgages

Buying your first home with as little as 5% deposit.

Learn more Contractor Mortgages

Day rate used for affordability. IR35 and umbrella accepted.

Learn more Foreign National & Visa Mortgages

Skilled Worker, Spouse and Tier 2 visa holders accepted.

Learn more Self-Employed Mortgages

One year accounts considered. Directors and sole traders welcome.

Learn more NHS & Key Worker Mortgages

Borrow up to 5.5× income. Overtime and shift pay included.

Learn more Buy-to-Let Mortgages

Standard BTL, HMO, SPV and holiday let mortgages.

Learn more Remortgage

Fixed rate ending? Compare 90+ lenders. Lock and switch.

Learn more Bridging Loans

Auction purchases, renovations and chain breaks.

Learn more

Areas We Cover in Surrey

We support clients across the whole of Surrey and the surrounding area - from city-centre flats to suburban family homes.

01
Weybridge
Premium commuter town, contractor and director mortgage cases
02
Esher
High value residential, self-employed and high net worth mortgages
03
Cobham
Premium village properties, expat and foreign national cases
04
Virginia Water
Ultra premium properties, high net worth and overseas investor mortgages
05
Oxshott
Exclusive residential area, complex income and director mortgage cases
Active coverage
Coverage zone · Surrey
5 areas · Multiple postcodes
Nationwide adviser network

Why Surrey Clients Choose WIS Mortgages

Specialist whole-of-market expertise, an FCA-regulated team, and a track record of saying yes to the cases that get declined elsewhere.

Complex Cases Welcome

Foreign nationals, contractors, self-employed and NHS workers - we handle the cases others decline.

01 - Approval First

Whole of Market Access

We compare 90+ lenders including specialist lenders not available on the high street.

02 - Lender Network

FCA Regulated

Authorised and regulated by the Financial Conduct Authority. Register number 824411.

03 - Regulatory

Ask how MortgagX works with advice from our team.

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Contact us

“Three lenders said no because of my contractor day rate. WIS got us approved in nine days on a property we'd already lost twice.”

Priya R.
IT Contractor
9 days
Offer to Exchange
£485k
Loan Amount
5.5×
Income Multiple
Case file
Property typeFlat (period conv.)
Income basisDay rate × 5
Deposit15%
LenderSpecialist · Top-5
Initial rate4.89% / 5y fix
Q.01
Can I get a high value mortgage in Surrey?
Yes. Surrey has some of the highest property values outside central London. WIS Mortgages handles High Net Worth Mortgages, Large Mortgages above £1 million and complex income cases for Surrey clients including Limited Company Directors, Contractors and professionals with multiple income streams.
Yes. WIS Mortgages specialises in Foreign National and Visa Holder Mortgages across Surrey. We work with lenders who accept Skilled Worker, Spouse and Tier 2 visa holders. Surrey is popular with overseas professionals and expats working in London and we handle these cases regularly.
Yes. Our Contractor Mortgages use your day rate to calculate affordability. Surrey has a large contractor population particularly in technology, finance and consulting. IR35, umbrella and limited company contractors are all accepted and can often borrow significantly more using the day rate method.
Surrey is one of the most expensive counties in England. Average house prices range from around £500,000 in parts of the county to over £1.5 million in Virginia Water and Oxshott. Most specialist lenders offer 4 to 5.5 times income depending on profession and income type.
Yes. Surrey offers strong rental yields particularly in commuter towns with good rail links to London. We offer Standard Buy-to-Let Mortgages, HMO Mortgages and SPV Mortgages through a limited company for Surrey landlords.
Yes. Our Expat Mortgages allow UK nationals living overseas and some foreign nationals to purchase Surrey property. Foreign currency income is considered and overseas deposits can be accepted with the right paper trail. Surrey is a popular choice for expats returning to the UK.

Find Out How Much You Can Borrow in Surrey

Use our free mortgage affordability calculator. No credit check, no contact details required - just an honest indication of what 90+ lenders could offer you today.

Try the Calculator
AffordabilityLive preview
Annual income£72,000
Deposit£48,500
Term30 years
Income basisContractor
Max borrowing
£396,000

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