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 back to our Summer Mortgage Series 2026 here at Alexander James Mortgage Services! As August brings warm sunshine and a wonderful rhythm to our gorgeous town of Woking, it’s also the perfect moment to pause and reflect on how well-protected our homes truly are.
When you picture your dream home: perhaps a state-of-the-art kitchen where Sunday family breakfasts come together, or a quiet, sunlit home office overlooking the garden: you are building a sanctuary. But life can sometimes throw unexpected curveballs. That is why we want to talk about something crucial yet frequently overlooked: mortgage protection insurance.
Think of mortgage protection insurance quite simply as sunscreen for your mortgage. Just as you wouldn’t step out under the glaring August sun without a layer of protection, you shouldn't navigate the unpredictable weather of life without safeguarding your monthly repayments. It might feel like an extra item on an already overwhelming financial to-do list, but we are here to talk you through it, relieve the stress, and make it completely approachable!
Protection conversations are very much on the rise across the UK, even as family budgets face ongoing cost pressures. According to figures published in August 2026, Royal London reported that protection new business sales rose by 6% year-on-year to £483m in the first half of 2026, driven largely by income protection enhancements and inheritance tax planning.
Furthermore, the Association of Mortgage Intermediaries (AMI) has just opened its seventh annual Protection Viewpoint survey for advisers, highlighting how critical protection advice remains in today's shifting economic climate.
However, rising living costs are currently pushing some homeowners to cancel or scale back their policies despite growing awareness. We completely understand why every penny counts right now. When energy bills and weekly grocery shops fluctuate, it can be tempting to trim any policy that doesn't feel immediately urgent. But cutting protection is a bit like cancelling your car insurance because you haven't had an accident yet: the moment you need it most is usually the one you least expect.
One of the biggest pitfalls we see homeowners fall into involves misunderstandings around policy wording. Recent research published in June 2026 by LifeSearch and the HomeOwners Alliance revealed a striking statistic: a staggering 47% of UK homeowners wrongly believe that standard income protection covers redundancy. Even more surprising, 61% of current income protection policyholders hold this exact misconception!
Jargon can be confusing, so let’s simplify it right away:
Knowing the difference is vital. If redundancy is a primary concern for you and your family here in Woking, standard income protection alone might not rescue you unless unemployment cover has been explicitly added or paired with an MPPI policy.
The good news is that the insurance market is evolving to meet these exact challenges. Just this week (August 2026), Walsham Brothers announced they have selected Omni Protect as their first distribution partner for a new Mortgage Payment Protection Insurance range covering accident, sickness, and unemployment for up to two years.
Innovations like this mean homeowners have access to robust, flexible safety nets designed to keep your mortgage firmly on track, even if employment landscapes shift unexpectedly. Whether you are self-employed, running a small business, or climbing the corporate ladder in Woking, having a tailored policy means you never have to lie awake wondering how your mortgage will get paid if health or employment takes an unexpected turn.
We know that managing household finances can sometimes feel complex and overwhelming. But building financial resilience doesn't mean you have to overhaul your entire lifestyle overnight.
Let’s look at a lighthearted analogy: many of us happily spend £4 or £5 a day on an artisanal coffee on our morning commute: adding up to over £100 a month. By simply brewing your favourite blend at home a few days a week, you could redirect those savings directly into comprehensive mortgage protection insurance that secures your family's future. It’s all about small, manageable shifts rather than drastic sacrifices!
As your trusted mortgage broker Woking specialists, we always blend pragmatic warnings with immediate solutions. For instance, if you are looking to restructure your borrowing or review your current deal, beware of potential early repayment charges (ERCs) attached to your existing mortgage product. Always check the fine print or speak with an expert before making sudden moves.
You don't have to figure this out alone. As an experienced mortgage advisor Woking families rely on, our team at Alexander James Mortgage Services acts as your guide-on-the-shoulder. We provide impartial advice with access to over 12,000 mortgage and protection products, handling all the paperwork to make the entire process completely stress-free.
Whether you need tailored remortgage advice, guidance on Buy to Let portfolios, or robust life and critical illness cover, we are your one-stop shop for financial peace of mind.
Don't let mortgage protection remain a nagging worry on your summer to-do list. Start putting some extra pennies aside, review your current setup, and don’t be afraid to reach out for a friendly, no-obligation chat.
We’re always here to help you protect what matters most. Visit our news and expert advice page to explore more guides, or get in touch with our Woking team today to talk through your options and secure your family's financial future!