Business Details
20 Years
experience
Award-Winning Mortgage Brokers in Surrey
Xpress Mortgages is an award-winning specialist mortgage brokerage based in Surrey with a dedicated team offering comprehensive mortgage solutions. Established in 2006, we provide access to hundreds of lenders and thousands of mortgage products, prioritising client needs through a professional yet approachable service. Our advisers are committed to delivering tailored advice, ensuring clients secure the most suitable deals while maintaining transparency and trust. With over 275 five-star Google reviews, we pride ourselves on our hands-on approach, guiding clients seamlessly through the application process. Our team's expertise spans residential, buy-to-let, and commercial mortgages, supported by partnerships with trusted estate planning specialists.Regulated by the Financial Conduct Authority, we combine market knowledge with a client-centric ethos to deliver exceptional service. Our extended working hours (6am - 8pm) reflect our dedication to accessibility and responsiveness. Awards such as the Mortgage Strategy Awards and British Mortgage Awards underscore our industry recognition. We offer protection services like life cover and income protection to safeguard clients' investments. Our 2024 fee structure includes 195 on application and 395 on mortgage offer, with clear communication about costs from the outset.
Services
Residential Mortgages
Buy To Let
Remortgages
Adverse Credit
Commercial Mortgages
Equity Release
Life Cover
Income Protection
Details
- Year established: 2006
Highlights and features
- We are FCA regulated for your protection
- Award-winning team with 18 years' industry experience
- Access to 100s of lenders and thousands of mortgage products
- 275+ five-star Google reviews from satisfied clients
- Extended working hours 6am8pm for client convenience
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Knowledgeable team
Stress-free process
Quick and thorough
Highly recommended
Services
Residential Mortgages
We specialise in residential mortgages for first-time buyers and home movers. Our advisers assess your circumstances to recommend suitable products from 100s of lenders. With access to both high street and specialist lenders, we secure competitive rates while providing ongoing support throughout the application process.
Buy To Let
Our buy-to-let specialists help property investors secure financing for rental properties. We offer market insights and access to specialist lenders with competitive rates. The team provides tailored advice on investment strategies and helps navigate tax implications while ensuring compliance with regulatory requirements.
Remortgages
We help homeowners remortgage to better rates or release equity. Our process involves reviewing current deals, identifying savings opportunities, and managing the transition. We provide clear comparisons of available products to maximise financial benefits while minimising disruption.
Adverse Credit Mortgages
We assist clients with credit challenges in securing mortgage financing. Our specialists understand complex credit histories and work with niche lenders. We provide honest assessments of options while offering guidance to improve approval chances through tailored lending solutions.
Equity Release
Our equity release specialists help homeowners access property wealth while maintaining residency. We explain lifetime mortgage options and home reversion plans with transparent cost breakdowns. We ensure clients understand long-term implications while connecting them with specialist lenders offering competitive rates.
People
Rachel Lummis
Director
Founder of Xpress Mortgages with 18 years' experience, Rachel combines estate agency background with mortgage expertise. She serves on the AMI board and maintains hands-on client advisory roles while leading the firm's strategic direction.
Carmen Green
Director
Senior mortgage consultant since 2014, Carmen specialises in first-time buyer mortgages and equity release. Recognised for exceptional service, she became a director in 2022 and holds CeMAP and CeRER qualifications while managing client relationships.
Devina Heir
Mortgage Administrator
Joining in 2024, Devina brings four years' mortgage administration experience. Known for clear communication and client-focused approach, she manages documentation processes while ensuring smooth transactions through her organisational expertise.
Ella Whitman
Mortgage Administrator
Qualified CeMAP mortgage administrator since 2024, Ella supports clients through the mortgage journey. Her focus on clear guidance and process transparency helps first-time buyers navigate homeownership while delivering consistent administrative support.
Questions
What mortgage types do you offer?
We provide residential, buy-to-let, commercial, remortgage, adverse credit, and equity release mortgages through 100s of lenders.
Are you regulated by the FCA?
Yes, Xpress Mortgages Ltd is directly authorised and regulated by the Financial Conduct Authority (FCA 670444).
What fees do you charge?
Our standard fees are £195 on application and £395 on mortgage offer, with full transparency about costs from the outset.
Do you offer protection services?
Yes, we arrange life cover, critical illness cover, and income protection to safeguard mortgage payments against unforeseen circumstances.
What areas do you serve?
While based in Byfleet, Surrey, we serve clients nationwide through our online and telephone advisory services.
