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! It’s a beautiful Saturday morning here in Woking, and if you’re reading this while enjoying your first coffee of the weekend, we hope you’re feeling relaxed.
At Alexander James Mortgage Services (AJMS), we know that thinking about mortgages on your day off might not sound like the most exciting way to spend your time. In fact, for many, the world of interest rates and "Loan-to-Value" ratios can feel a bit overwhelming or even stressful. That’s exactly why we’re here!
Our goal is to act as that "guide on your shoulder," helping you navigate the Woking property market with confidence. Whether you’re a first-time buyer looking at a new apartment near the station or a family planning a move to a leafy suburb in Camberley or Guildford, we’ve got the tips and answers you need to keep things simple.
Before you head out to the Woking Market or take a stroll through Horsell Common, take five minutes to look over these practical tips that could make your next mortgage application a breeze.
We all love a treat, whether it’s a fancy latte from a local Woking café or a specialty snack. Think of your mortgage application like your morning brew: it’s the small, consistent habits that count!
When lenders look at your bank statements in 2026, they aren’t just looking at your salary; they’re looking at your "disposable income", basically, what’s left over after you’ve had your fun. Start putting some extra pennies aside now. By swapping a few "out and about" coffees for home-brewed options for a couple of months, you can show lenders you have a healthy surplus. It sounds simple, but it’s a great way to prove you’re ready for home ownership!
Let’s be honest: gathering documents is confusing and boring. However, being organized is the secret to a stress-free experience. We recommend creating a "Mortgage Folder" (digital or physical) today.
Include your last three months of payslips, your P60, and proof of your deposit. If you’re self-employed, having your latest tax assessments ready is a game-changer. When you work with a mortgage broker in Woking like us, we handle the heavy lifting of the paperwork for you, but having these bits ready means we can get your application moving even faster!
Your credit score is like a financial passport. Even small things, like an old mobile phone contract registered to a previous address, can cause a hiccup. Log in to a credit-checking service and make sure everything is up to date. Don’t be afraid to negotiate or fix errors you find: it’s your data, after all! A clean credit file often leads to better interest rates, which means more money in your pocket for that state-of-the-art kitchen you’ve been dreaming of.
We get asked a lot of questions every week. Here are the most common ones we’re hearing this summer:
This is the big question for 2026! With the Bank of England base rate sitting around 3.75%, we’re seeing a lot of people move away from long-term 5-year fixes. Many Woking homeowners are opting for shorter 2-year fixes or even tracker mortgages in the hope that rates might ease further in the future.
However, there is no "one size fits all" answer. It depends on your budget and how much certainty you need. If a rate rise would make you lose sleep, a fixed rate provides that security. We can talk you through the pros and cons of over 12,000 mortgage products to find the one that fits your life perfectly.
Yes! This is great news! Even though the market is steadier than in previous years, there are still hundreds of "95% Loan-to-Value" (LTV) deals available. For many young professionals in Woking, saving a massive 20% deposit feels impossible, but a 5% deposit can get you through the door of your first home. If you're looking for remortgage advice or your first home, we can help you find lenders who are particularly friendly to low-deposit buyers.
We know, talking about "what if" scenarios can be stressful. But think of mortgage protection insurance as a safety net for your family. If you were unable to work due to illness or injury, how would the mortgage get paid?
We’re a one-stop shop, meaning we don’t just find you a loan; we help secure your future with life insurance, critical illness cover, and income protection. It’s all about giving you peace of mind so you can enjoy your home without the "what ifs" hanging over your head.
When you’re looking for a mortgage advisor in Woking, you want someone who knows the local area as well as they know the financial markets. We aren’t tied to any single bank; we provide impartial advice with access to a vast range of products.
We pride ourselves on:
Our mission is to relieve the stress of the mortgage journey. Whether you are moving house, investing in a Buy to Let, or simply looking for the best remortgage advice to lower your monthly payments, we are your local experts.
Summer is a season of new beginnings, and there’s no better time to get your mortgage plans in order. Whether you’re just starting to save or you’re ready to make an offer on a property, we’d love to help you take the next step.
Don’t let the jargon or the paperwork hold you back. Pop into our office or give us a call: we’re locally based and ready to support your specific journey. You can also check out our latest reviews to see how we’ve helped other Woking residents achieve their property dreams!
Ready to start? Let’s make it happen!
Warmly,
The Team at Alexander James Mortgage Services