Simmonds Mortgage

Simmonds Mortgage Services is a UK-based mortgage brokerage operating from Wokingham, Berkshire, which extends its services to clients across the country through telephone-based advice. The firm is led by Andrew Simmonds, a Mortgage Adviser with over a decade of experience in the industry. The company's foundational principle is to simplify the often complex mortgage process, providing clear, honest, and straightforward advice to its clientele. Simmonds Mortgage Services operates with a small, close-knit team dedicated to offering a personalised experience without relying on chatbots or call centres.

The company adopts a client-first, proactive methodology, prioritising a thorough understanding of each client's financial situation and objectives before discussing specific mortgage products. This approach involves listening to client goals, anticipating potential challenges, and guiding individuals through every stage of the mortgage application process. Simmonds Mortgage Services undertakes the administrative burden, including affordability calculations, comparing various lenders, and communicating with them on behalf of the client. The firm is committed to ensuring clients receive individually tailored advice that aligns with their specific needs and objectives, fostering confidence in their financial decisions.

Simmonds Mortgage Services offers a broad spectrum of mortgage solutions designed to cater to diverse client requirements. These services encompass standard offerings such as mortgages for first-time buyers, home movers, and remortgaging options for those looking to lower repayments, release funds, or switch lenders. The company also assists with equity release, second charge mortgages, and solutions for individuals with adverse credit histories or those interested in offset mortgages. For those looking to build or expand a property portfolio, the firm provides expert support for buy-to-let mortgages, guiding both new and experienced landlords in making informed investment decisions.

A significant area of expertise for Simmonds Mortgage Services lies in specialist mortgage solutions, which are tailored for individuals with unique financial circumstances or complex property types. The firm assists clients who are self-employed with complex income structures, contractors, or those earning foreign income, connecting them with lenders who understand non-traditional financial profiles. Simmonds Mortgage Services also provides bespoke solutions for high-income first-time buyers and high net worth individuals, offering discreet advice and access to exclusive products and private lenders for significant purchases. The company's capabilities extend to property investment, including multi-unit freehold block (MUFB) mortgages and Houses in Multiple Occupation (HMO) mortgages, which are specialist finance solutions for multi-let property investments.

This expertise in multi-let properties, such as HMOs and MUFBs, positions the company to support clients involved in various forms of property investment, including those that may encompass student accommodation, by matching them with specialist lenders who understand these unique market segments. Furthermore, the company offers limited company buy-to-let mortgages, let-to-buy mortgages, holiday let mortgages, joint borrower sole proprietor (JBSP) mortgages, and retirement interest-only mortgages. Beyond mortgages, the firm also provides advice on insurance and protection. Simmonds Mortgage Services operates as an Appointed Representative of Stonebridge Mortgage Solutions Ltd, a firm authorised and regulated by the Financial Conduct Authority, ensuring adherence to industry standards and regulations.

The company has garnered a strong reputation for its service quality, evidenced by over 400 five-star reviews on Google. In recognition of its commitment to client satisfaction and professional excellence, Simmonds Mortgage Services was named the "Best Mortgage Advisor Southern England 2023" at the ESTAS Awards, a prestigious property award in the UK. This accolade reflects the firm's dedication to providing outstanding customer service and expert guidance to its clients.