Suite 120 Railway House, 14 Chertsey Road Woking, United Kingdom, GU21 5AH,
First class service! Straight forward to deal with, answered all questions quickly and a speedy turn around to mortgage offer being issued. I cannot recommend AJMS and the Team highly enough. I would…
Thank you so much to AJMS for helping out with my recent remortgage. Always available on his mobile to answer any questions I had and made the whole process as stress free as possible for me. I would…
AJMS was extremely helpful in arranging my remortgage. His excellent knowledge allows him to provide a fast, efficient and professional service. Previously I have tried to arrange these myself which …
Highly recommended explained everything well, went to and from the lender so many times making sure all was agreed before spending my money on a survey 5 star amazing service!
Thank you AJMS for helping us with our mortgage! We really appreciate your patience and for always being at the end of the phone to answer any questions no matter how big or small!
Thank you so much to AJMS for helping out with my recent remortgage. Always available on his mobile to answer any questions I had and made the whole process as stress free as possible for me. I would definitely recommend him to friends and family!
“I received protection advice from Brian at AJMS and we proceeded to arrange various insurances for myself & my partner. I am very happy with the service I received and the policy I was recommended, I wouldn’t hesitate to recommend Brian’s services to anyone looking to arrange their personal insurance. “
AJMS has been our mortgage/financial advisor for many years now. His knowledge and expertise is second to none and I can’t recommend his services enough!
Alexander James Mortgage Services - The Best Woking Mortgage Brokers
AJMS is extremely knowledgeable, professional, supportive and well versed in many financial services, including but not limited to Mortgages. I would highly recommend you engage with him and his company to assist with your financial needs and mortgage application. A one stop shop in financial services with friendly advice and exceptional service delivery. Happy Customer !!
Alexander James Mortgage Services - Woking Mortgage Brokers
AJMS has been very helpful and knowledgeable helping me out get the mortgage to get my first house. His knowledge does not only limit on mortgage but broader financial areas. I was a happy customer and would definitely ask him for your help if I will need to get more properties with mortgages or advice on financial planning.
I used AJMS over the course of the years for my property purchases. In all my dealings with him he has always given me impartial advice and in my opinion found the best rates on the market. I would recommend AJMS as an honest and genuine financial adviser.
We were recommended to use the services of Alexander James Mortgage Services by our then financial adviser.
In retrospect, this was an excellent recommendation as AJMS provided an outstanding service.
We were so impressed with the service that AJMS provided that when our youngest daughter decided to purchase a flat, we again secured the services of AJMS.
Who provided a first class service in helping her obtain a very competitive mortgage and appropriate life, critical illness, contents and health insurance cover.
And in the future will help her to set up a private pension fund.
So to anyone looking for sound, sensible and straightforward financial advice, we all recommend Alexander James Mortgage Services.”
Suite 120 Railway House, 14 Chertsey Road Woking, United Kingdom, GU21 5AH,
It’s Thursday, July 16, 2026, and as the summer sun shines over Jubilee Square here in Woking, many of us are thinking about our summer holidays, garden BBQs, and perhaps that long-awaited home renovation. But for the 1.8 million homeowners across the UK due to remortgage this year, there’s a more pressing conversation happening at kitchen tables: how to manage the monthly budget.
We know that looking at your outgoings can feel overwhelming. With the world feeling a bit more "expensive" lately, it’s tempting to look for quick wins to save a few pennies. Often, the first thing people consider trimming is their mortgage protection insurance. It’s one of those "invisible" costs that feels easy to ignore until you actually need it.
However, new research from MetLife UK (July 2026) reveals a startling paradox: while 75% of advisors say we are more concerned about our mortgage protection than we were a year ago, a huge 77% of clients have actually gone ahead and cancelled or reduced their cover! Even more surprisingly, 43% of people tell us they intend to take out protection but just don't get around to it.
We’re here to help you bridge that gap. Let’s talk through why keeping your safety net in place is the smartest financial move you can make this summer.
We often hear from our lovely clients in Woking that protection feels like an "extra" expense. But let’s look at it another way. If you were to swap just one or two "out-and-about" lattes a week for a home-brewed coffee in your favourite mug, you’d likely cover the monthly cost of a robust life insurance or income protection policy!
Think of mortgage protection like a state-of-the-art security system for your home. You wouldn’t dream of leaving your front door wide open when you go on holiday, would you? Your insurance is that digital lock that stays on 24/7, ensuring that even if life throws a curveball, your family stays exactly where they belong: in your home.
It’s a bit of a wake-up call, but the latest IPTF/Iress report from June 2026 shows that 85% of UK income protection needs are still uncovered. Even more concerning is that 86% of mortgage holders have no income protection at all.
When we sit down with families as your local mortgage advisor in Woking, we often look at the "maths of real life." On average, monthly income protection benefits are currently falling about £1,200 short of what a typical mortgage-holding household actually spends. That’s a significant gap!
Imagine trying to finish a jigsaw puzzle with 20% of the pieces missing. That’s what your finances look like without proper cover. If you couldn’t work due to illness or injury, that £1,200 shortfall could be the difference between staying comfortable and facing real stress.
It isn't all gloom and doom! In fact, the insurance market is evolving to look after us better than ever before. Just this month (July 2026), Royal London revised their income protection policies to include some fantastic new features that really speak to modern family life:
This is great news! It shows that providers are listening to what people actually need. We can help you find these modern policies that offer more than just a payout: they offer a genuine helping hand.
With 1.8 million borrowers due to remortgage in 2026, this is the perfect time to revisit your protection. When you’re looking for remortgage advice, we don’t just look at the interest rates (though we’re experts at that too!). We look at your whole world.
A remortgage is the natural "reset button." It’s the time to ask:
If your mortgage amount or your lifestyle has changed, your cover needs to change with it. As your mortgage broker in Woking, we act as your "guide-on-the-shoulder," making sure your protection matches your current reality, not the reality you had five years ago.
Insurance language can be confusing (and let’s be honest, a bit boring!). Let’s simplify the three big ones:
A pragmatic warning: Always check for "early repayment charges" or "waiting periods." We’ll talk you through these so there are no nasty surprises!
You could spend hours scrolling through comparison sites, but they don’t know that you’re worried about the commute from Woking station or that you’re saving up for your child’s school fees at a local primary.
We’re proud to be Woking’s best mortgage brokers, and we’re right here in your community. We have access to over 12,000 mortgage products, and because we’re impartial, our only goal is to find what’s right for you.
We handle all the paperwork: which we know is the bit everyone hates!: to make the process as stress-free as possible. Whether you’re a first-time buyer or looking to grow a Buy to Let portfolio, we’re here to help.
Don’t be part of the 43% who intend to get protected but never do. Start putting some extra pennies aside today by reviewing your subscriptions, and let’s use those savings to build a wall of security around your home.
Whether you're in the middle of Woking, or nearby in Camberley or Guildford, we’d love to help. Protecting your home isn't just about a policy; it’s about the peace of mind that comes from knowing that no matter what 2026 brings, your home is safe.
Want to chat? We’re always here to help. Drop us a message or pop into our office for a friendly, no-obligation chat about your mortgage and protection needs. Let’s make sure your "happily ever after" is fully insured!
Warmly,
The Team at Alexander James Mortgage Services