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About Us

Sturgess Mortgage Solutions has more than 50 years experience of giving exceptional property and financial advice. The advice we give is based on our exceptional knowledge of the market, and is individually tailored to our client’s specific needs.

At the heart of our business is the core value of "Putting You First".

Our experienced team are there to guide you through what could be your first or last major financial transaction, taking away as much of the stress off you along the way.

Understanding the many facets of a mortgage can be challenging regardless of whether you are a first-time buyer, purchasing with friends, moving to your first family home or an experienced portfolio landlord, so we are here to help.

We are a business built on referrals and recommendations.

"The greatest compliment you can pay us is to refer your friends, family and colleagues."

Many of our clients take pride in the knowledge that they can refer us to their friends, family, and work colleagues without obligation but with complete peace of mind.

At Sturgess Mortgage Solutions we believe that a great mortgage broker builds genuine relationships with our success measured by relationships rather than figures.

More about Sturgess

Frequently Asked Questions

Can you help me to get a mortgage?

Of course! Navigating the mortgage market is now more complex than ever. However, Sturgess Mortgage Solutions simplifies the process and removes the stress out of arranging finance. You can book a consultation with one of our experts.

What does a mortgage broker do?

We search the market to find the right mortgage for your needs – whether you're buying, remortgaging, or investing. We handle the application, deal with lenders, and support you every step of the way. Think of us as your mortgage wingman.

How much can I borrow?

This depends on your income, outgoings, credit history, and deposit. We’ll do a full affordability assessment and give you a clear idea of your budget early in the process.

What’s the difference between going to a broker and my bank?

Your bank can only offer their own products. We compare multiple lenders across the market to get you the right deal – often with better rates and lower fees.

Do you charge fees?

We don’t charge anything upfront. Our fee is only payable once your mortgage offer is secured. We’ll always be open and honest about any costs.

I’m a first-time buyer – where do I start?

Start with a chat! We’ll walk you through deposit options, how much you can borrow, and get you a Decision in Principle, so you’re ready to make offers with confidence.

What’s a Decision in Principle (DIP)?

A DIP is a lender’s initial agreement to lend based on your financial info – it’s useful when viewing homes and often required to make an offer.

Can I use a Help to Buy or Lifetime ISA?

Yes – we can help you use your government savings schemes towards your deposit and guide you through the process.

When should I start looking at remortgaging?

We recommend starting the review process around 6 months before your current rate ends. That gives us time to lock in a great rate and avoid any standard variable rate surprises.

What if my circumstances have changed?

No problem – we’ll review your options whether your income, property value, or goals have shifted. There's usually a solution we can explore.

Do I need Life Insurance with my mortgage?

It’s not a legal requirement – but it’s highly recommended. Life Insurance can repay the mortgage if you pass away, giving your loved ones peace of mind.

What’s the difference between Critical Illness Cover and Income Protection?

  • Critical Illness pays a lump sum if you're diagnosed with a listed serious condition.

  • Income Protection pays a monthly benefit if you can't work due to any illness or injury – not just serious conditions.

We’ll explain which cover is right for your situation.

Do I have to come to your office?

Nope – we work with clients all over the UK via phone, email, or video call. If you’re local, feel free to pop into our Gorseinon High Street office for a coffee and a chat!

It varies, but from Agreement in Principle to offer typically takes 2–4 weeks depending on the lender and complexity. We’ll keep everything moving and keep you updated throughout.

It varies, but from Agreement in Principle to offer typically takes 2–4 weeks depending on the lender and complexity. We’ll keep everything moving and keep you updated throughout.

What if I’ve been declined elsewhere?

Don’t worry – we work with a wide range of lenders, including those who specialise in complex cases or poor credit. Let’s take a fresh look together.

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