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    Introduction

    At Alexander James Mortgage Services, we take pride in assisting individuals from the local area.

    We enjoy a personable approach to our service and are happy to meet with our clients at your convenience, at our local office spaces in Woking, Farnborough or Reading – be it after hours, on a video call or for a coffee in a more informal environment. Whether you’re purchasing your first home or in need of professional remortgaging services, Alexander James Mortgage Services can help you get the mortgage you need, at the rate you want. We offer impartial advice, comprehensive mortgage products, and we handle the paperwork. Let’s make things simple and stress free.

     

    Our Services

    First-time buyers

    As a first-time buyer, it’s normal to feel a bit lost. But don’t panic! We are here to help. We will guide you through the process, ensuring you get a fantastic mortgage deal while minimising the stress of home buying. You can expect jargon-free, straightforward advice tailored to your unique situation. After all, no two mortgage applications are the same. The goal is to find the right solution for you.

    Frequently Asked Questions

    How much deposit do I need? You will typically need a minimum 5% deposit.

    How much stamp duty will I pay? The amount you pay depends on the value of the property. However, as a first time buyer (FTB) you may be eligible for stamp duty relief

    How does shared ownership work? Shared ownership lets you buy a share of a property. You will then pay rent on the remaining share of the property. Over time, you have the option to buy more shares in your home, a process known as ‘staircasing’.

    How much can I borrow? That’s the golden question! Your borrowing capacity varies based on several factors. For personalised advice, give us a call or reach out for a personal illustration. We will help you navigate the mortgage maze with confidence!

    Remortgage

    At Alexander James Mortgage Services, we take pride in assisting individuals from the local area. When your fixed-rate mortgage is approaching it’s end don’t wait until the last minute. You could tie in your mortgage six months before the product end date to avoid paying the higher standard variable rate (SVR) that kicks in after your product term ends.

    Our track record includes helping clients to:

    • Reduce mortgage payments
    • Secure more favourable interest rates
    • Accelerate mortgage payoff

    Our expert team of mortgage advisers is here to guide you toward a mortgage deal tailored to your needs.

    You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

    Moving house

    Relocating to a new home can be a daunting task, with numerous details to manage and coordinate. At times, your mortgage application may appear to be slowing you down.

    Our team of experienced local advisers is by your side every step of the way. From your initial inquiries about finding your dream home to the exciting moment when you start unpacking your belongings, we’re here to ensure a seamless transition.

    Contact us today to learn how we can assist you in making your move smoother and stress-free.

    Additional borrowing

    If you’re considering expanding and enhancing your home, we can help. Our expertise lies in securing the necessary funds to turn your dream into reality.

    Whether you’re curious about affordable borrowing options for your ideal home improvements or need advice on releasing equity, we’ve got you covered.

    If you’re considering additional borrowing for debt consolidation, our expertise can guide you towards potentially reducing your overall interest rate and managing your finances more efficiently. Whether you’re juggling with credit card balances, personal loans, or other debts, exploring this option can help you find the solution for your specific circumstances.

    Get in touch to discuss your current situation with us.

    You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

    Buy-to-let

    Our dedicated team is here to guide you in finding the ideal Buy-to-Let mortgage that aligns seamlessly with your investment objectives.

    Whether you’re a first-time property investor embarking on this exciting journey or an experienced investor aiming to expand your portfolio, we offer personalised advice tailored precisely to your unique requirements.

    Navigating the mortgage landscape can be bewildering but fear not! By reaching out to us, you’ll avoid the confusion of selecting the right mortgage.

    Let’s work together to secure the most suitable deal for you. Contact us now, and let’s make your investment dreams a reality.

    There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage. Your property may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

    Visit

    Contact Us

    +44 7957 558 998

    Our Office

    Suite 120 Railway House, 14 Chertsey Road Woking, United Kingdom, GU21 5AH,

    Picture of AJMS on google maps

    Professionalism, Quality, Responsiveness, Value!

    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…

    I would definitely recommend him to friends and family!

    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…

    Professional!

    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!

    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!

    Fantastic 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!

    I would definitely recommend him to friends and family!

    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!