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,
Welcome to August! As the summer sunshine hits its peak and we enter a brand-new month, many of us find ourselves pausing to reflect on our plans for the rest of the year. Whether you are dreaming of a cosy home office transformation or planning a brand-new kitchen where family dinners come alive, August brings a wonderful sense of fresh opportunity.
Here at Alexander James Mortgage Services, we know that navigating the property market can sometimes feel overwhelming, stressful, and confusing. Between interest rate headlines and endless paperwork, it is easy to feel like you are trying to decipher a foreign language. But don’t worry! Think of securing a mortgage a bit like ordering your favourite artisanal coffee versus brewing a reliable, comforting cup at home: it's all about finding the blend that suits your taste and budget without any unnecessary fuss. As your local guide-on-the-shoulder, we are here to talk you through every step of the journey, keeping things clear, friendly, and completely stress-free.
As we kick off August 2026, the mortgage landscape continues to stabilise following the turbulence of recent years. With the Bank of England base rate holding steady at 3.75%, typical two- and five-year fixed residential rates are clustering around the mid-5% mark (roughly 5.5% to 5.8%), while savvy buyers with strong credit profiles and lower Loan-to-Value (LTV) ratios are continuing to secure competitive headline deals in the low-to-mid 4% range.
If you are currently sitting on a Standard Variable Rate (SVR): which typically hovers around 7%: moving onto a fixed deal can deliver immediate, meaningful relief to your monthly outgoings. However, before you make any hasty moves, it is vital to check for any early repayment charges (hidden penalties your current lender might charge if you exit your deal early). Don’t be afraid to negotiate or explore your options early! As your trusted mortgage broker Woking specialists, we scan over 12,000 products to find the exact match for your circumstances.
August is often seen as a quieter holiday month, but for savvy homeowners and buyers across Woking, it is actually the perfect window to get ahead of the autumn rush. Here are the questions we are hearing most often from our clients this week:
Not at all! In fact, most lenders allow you to lock in a new mortgage rate up to six months before your current deal expires. By securing a rate now, you protect yourself against potential market shifts while retaining the flexibility to switch to an even better deal if rates drop before completion. If you need expert remortgage advice, now is the ideal time to start the conversation.
Waiting for the "perfect" moment in the financial markets can sometimes feel like waiting for a rainy day in the Sahara: it might happen, but you could miss out on great opportunities while you wait. Instead of trying to time the market perfectly, focus on what fits your monthly budget today. Our job as your dedicated mortgage advisor Woking experts is to weigh up trackers versus fixes so you can sleep soundly at night.
Start putting some extra pennies aside where you can, and check your credit report for any lingering errors. Simple habits: like avoiding new credit card applications right before an application and keeping your spending steady: make a massive impression on lenders.
As late summer rolls toward crisp autumn days, preparation is key. Preparing your home and your finances for the changing seasons goes hand in hand.
Just as you might check your roof tiles or service your boiler before the colder weather sets in, reviewing your mortgage and protection policies ensures your household is fully winter-proof. If you are a landlord looking to expand your portfolio in Woking, or a first-time buyer taking those exhilarating first steps onto the property ladder, getting your paperwork in order during August means you will be ready to move swiftly when the right property catches your eye.
Life is full of wonderful surprises, but it can also throw curveballs when we least expect them. That is why comprehensive mortgage protection insurance should always be part of your financial foundation.
Whether it is life insurance, critical illness cover, or income protection, these policies act as a safety net for your family. Think of protection insurance like an umbrella in your bag on a sunny August afternoon: you might not need it right this second, but you will be endlessly grateful it is there if the skies suddenly open. We act as a complete one-stop shop, helping you secure the right coverage without trailing through endless comparison sites alone.
Navigating mortgages, remortgaging, and protection doesn't have to feel like a lonely uphill climb. At Alexander James Mortgage Services, we pride ourselves on being approachable, responsive, and deeply rooted in the local community. Whether you are searching for a premier mortgage broker Woking or seeking tailored remortgage advice, we are always here to help.
Take a moment to explore our remortgage advice page or read up on our dedicated mortgages in Woking services. Better yet, drop us a line or pop in for a chat. Let's make this August the start of something wonderful for your home and your future!