Residential Mortgages

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The Financial Conduct Authority does not regulate some forms of Buy to Lets. Your property may be repossessed if you do not keep up repayments on your mortgage.

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Our Latest Reviews

Rob secured me a 10-year fixed rate Mortgage just as rates were starting to rise at the start of 2022. We are currently paying a very low interest rate because of his expertise.
Dom APrevious client 01/2022
Rob helped us move house during the height of Covid and made a tricky time as smooth and easy as possible for us. He found us a great rate and was always on hand.
Tom MPrevious client 07/2020

I have 9 Years’ Experience as a Mortgage Broker. So, your Mortgage Application is in safe hands

I spend hours each month maintaining close relationships with the lenders. This gives the smoothest and most efficient application process possible

You’ll have one dedicated advisor from start to finish and can stay updated via Whatsapp for quick and easy communication

Residential Mortgages

Farnham Finance is the trusted choice for residential mortgages because I bring nine years of dedicated experience as a UK mortgage broker.

I combine deep market knowledge with a personal, detail-driven approach, ensuring that every client receives clear guidance, tailored recommendations, and confident support from first enquiry to completion.

I pride myself on offering a transparent and cost-effective service, which is why I never charge a broker fee. To make the process even more rewarding, I provide £20–£200 cashback on completion, giving each client an added benefit at a time when every saving matters.

My commitment is simple: I work solely in the client’s best interests, sourcing competitive products and managing the complexities on their behalf. With Farnham Finance, I aim to make securing the right mortgage straightforward, efficient, and genuinely stress-free.

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Your home may be repossessed if you don’t keep up repayments on your Mortgage.

Questions and answers:

How much can I borrow?
The amount that you can borrow on a residential mortgage varies, as every lender assesses affordability differently. I consider each client’s full circumstances, including income, credit commitments, regular expenditure, and any existing debts, to provide an accurate indication of borrowing potential.
 
While many lenders work within standard income multiples, I also have access to selected lenders who may offer up to 7 times a client’s income, depending on their profile and stability of earnings. These higher-income-multiple options are typically available to clients with strong financial backgrounds, low debt levels, and clean credit histories.
 
I guide each client through the criteria to ensure expectations are realistic and aligned with lender requirements. My aim is to help every client understand their true borrowing power and secure the most suitable mortgage for their needs.

Your monthly mortgage payments depend on two key factors: the size of the mortgage and the length of the mortgage term. Generally, the larger the loan, the higher the monthly payments will be. Likewise, spreading the mortgage over a longer term can lower the monthly cost, although it usually means paying more interest overall. The type of interest rate chosen—such as fixed or variable—also affects payment levels and how they may change in the future.

I take your full financial position into account to provide clear illustrations of what their payments could look like across different terms and mortgage options. By explaining the figures in a straightforward way, I help each client choose a structure that fits comfortably within their budget while supporting their long-term goals.

I would generally suggest taking the Mortgage over the shortest affordable term for you, this means that you would pay the least interest possible over the Mortgage Term.

The best type of Mortgage for you depends entirely on your own unique circumstances, financial goals, and attitude to risk. Fixed-rate mortgages offer stability, with payments that remain the same for a set period, making them ideal if you want certainty in your monthly budgeting.

Variable or tracker mortgages, on the other hand, can move in line with interest rate changes, which may suit you if you are comfortable with potential fluctuations in exchange for possible savings. Discounted and flexible mortgages provide other options, depending on how your income and plans may evolve.

I take time to understand each of my client’s priorities, future plans, and overall financial position before recommending the most suitable mortgage structure. My aim is to ensure every client feels confident, informed, and well-matched to the right product.

The amount of deposit you will need will depend on the lender, the property, and your overall financial position. While many lenders require a standard deposit, there are options available for clients with small deposits, and in some cases, mortgages with no deposit may be available depending on your circumstances

Generally, interest rates improve as the deposit increases because the lender’s risk reduces. The most competitive rates are generally found at 60% Loan to Value (LTV)—this means the mortgage makes up 60% of the property’s value, and the client provides the remaining 40% as a deposit.

I assess each client’s circumstances to outline which deposit levels and products are available to them, helping them understand how different LTVs affect affordability, eligibility, and long-term costs.

The interest rate I would recommend is influenced by several key factors, with Loan to Value (LTV) playing one of the biggest roles. In general, the lower the LTV, the stronger the your position, which often leads to more competitive rates. Personal circumstances also have a significant impact, including income stability, credit history, existing commitments, and overall financial profile. Each lender applies its own criteria, meaning the same client may be offered different rates depending on the provider.

I review every aspect of your situation to identify which lenders are likely to offer the lowest overall cost Mortgages. By comparing products across the market, I ensure each of my client receives clear, realistic expectations and access to the most suitable and competitive interest rates available to them.

The fees involved in a residential mortgage can vary depending on the lender, the product selected, and the type of application. One of the most common costs is the Arrangement Fee, which would generally be between £0 and £1999 on a Residential Mortgage. Depending on the size of your Mortgage it may be worth having a product with an Arrangement Fee to give a lower cost overall. I will work with you to recommend the lowest overall cost option here.

There may also be standard legal and valuation fees, although many lenders offer free valuations and legal work, particularly on remortgages, to make the process more cost-effective.

Other potential charges include booking fees, transfer fees, and solicitor costs, depending on the complexity of the case. I review each client’s circumstances and the products available to ensure all fees are fully explained upfront. My aim is to help every client understand the true cost of each option so they can make clear, informed decisions.

The time it takes to complete a residential mortgage can vary depending on the lender, the property, and your individual circumstances. On average, a mortgage offer may take anywhere from a few days to several weeks, with the full process through to completion often taking a little longer for purchases than for remortgages.

Applying through a broker can make the process faster and more efficient, as I handle the paperwork, ensure documents are correctly prepared, and approach lenders that best suit your profile from the outset. This helps reduce delays and improves the likelihood of a smooth, efficient process. I guide each of my clients through every stage, keeping the process organised so they always know what to expect and when.

Your home/property may be repossessed if you do not keep up repayments on your mortgage.

 

MEET YOUR ADVISER

Meet Robert Lewis-Crosby

Robert is an experienced mortgage adviser pecialising in residential and landlord finance. He has a customer-centric philosophy towards understanding customer needs and delivering value – this is reflected in everything he does from his communication style to his low advice fees. Speak to Robert today about your mortgage requirements.

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The Financial Conduct Authority does not regulate some forms of Buy to Lets. Your property may be repossessed if you do not keep up repayments on your mortgage.