First-time buyers
From Stoughton to Burpham, start with an informal chat about your deposit, budget and the kind of property you are after, with no cost for the introduction and no obligation.
Mortgage introductions · Guildford
Your local Guildford Mortgage advisers
Your Guildford fixed rate ending soon, or buying your first home across the GU postcodes? Horizon HQ introduces homeowners and buyers to FCA-authorised mortgage advisers who compare the whole market, so you don’t roll onto your lender’s standard rate by accident. The introduction is always free; you never pay Horizon a penny.
FCA-authorised advisers across the GU postcodes
First-time buyers, movers & remortgages
Self-employed & contractor income welcome
Free introduction, you never pay Horizon
First-time buyers, movers & remortgages
Self-employed & contractor income welcome
Free introduction, you never pay Horizon
The Guildford market
Why Guildford
Guildford is a major Surrey town and county hub, valued for its historic cobbled high street, university, and strong professional employment base. It enjoys fast mainline rail towards London Waterloo and easy reach of the A3 and M25, which keeps it popular with professional and commuter buyers. Property values here tend to sit at the higher end, and a settled, well-established owner base makes remortgaging a frequent reason to seek advice.
The housing stock is broad: period and characterful homes near the centre and in the surrounding villages, established family suburbs, riverside and town-centre apartments, and newer developments on the edges. With higher values and varied incomes common locally, mortgage cases here are often more nuanced than they look. Our partner advisers understand how the Guildford market behaves, and the introduction to an FCA-authorised one is always free.
Who we help in Guildford
Whatever stage you are at, we match you to a local, FCA-authorised adviser who looks at the whole market for your situation.
Movers & home purchases
Moving within Guildford or into the town from elsewhere? We introduce you to an adviser who knows the local market, from leafy Onslow Village to family homes in Merrow.
Remortgages
If your deal is ending or you are on a standard variable rate, an adviser will review the whole market for you so you don’t roll onto a higher rate by default.
Self-employed & contractors
We can introduce you to advisers used to working with self-employed, contractor and complex-income applicants, who know how your income is best evidenced.
Across Guildford’s neighbourhoods
We introduce buyers and homeowners to advisers right across the GU postcodes, including:
Burpham
A popular residential suburb to the north-east with plenty of family housing, well suited to movers.
Merrow
An established area east of the centre, with a mix of family homes and good local amenities.
Stoughton
A residential district to the north-west, often a practical option for first-time buyers.
Onslow Village
A sought-after, leafy area to the west with established homes and a strong identity.
Shalford
A village to the south with a more semi-rural feel and characterful properties.
Worplesdon
A village area to the north-west, known for greener surroundings and higher-value homes.
Neighbourhood photos via Geograph, licensed CC BY-SA 2.0: Burpham © Des Blenkinsopp; Merrow © Des Blenkinsopp; Stoughton © Shazz; Onslow Village © Colin Smith; Shalford © Colin Smith; Worplesdon © Des Blenkinsopp.
How a Guildford introduction works
Getting matched to the right adviser is simple. Here’s how a free Horizon introduction works, from your first message to expert advice.
Tell us where you are
Share a little about your plans, a first purchase, a move within Guildford, or a remortgage as your deal ends.
We connect you, free
We match you to a local, FCA-authorised adviser who compares the whole market for your situation. The introduction is free, you never pay Horizon.
Your adviser takes it from here
The matched adviser gives the regulated advice and handles your application. They may charge a fee, disclosed and agreed with you upfront.
Ready to speak to a Guildford mortgage adviser?
Whether you are buying your first home in Guildford, moving across the GU postcodes, or remortgaging before your fixed rate ends, get in touch and we will connect you with the right adviser. Introductions are completely free, you never pay Horizon a penny.
Get a free Guildford introduction →
Our mortgage introductions are made to:
Guildford mortgage questions
Can you help with a remortgage in Guildford?
Yes. If your current deal is ending or you’re on your lender’s standard variable rate, we can introduce you to an FCA-authorised adviser who will review the market for you. We’re an introducer only and don’t give advice ourselves, the adviser handles that, and the introduction is free.
I’m a first-time buyer in Guildford, where do I start?
A good first step is an informal chat with a mortgage adviser about your deposit, budget and the kind of property you’re after. We’ll introduce you to a local, FCA-authorised adviser who can talk you through your options. There’s no cost for the introduction and no obligation to proceed.
Can you help self-employed or contractor buyers in Guildford?
We can introduce you to advisers in our partner network who are used to working with self-employed, contractor and complex-income applicants. They’ll look at how your income is best evidenced and which lenders suit your situation. As an introducer, we don’t assess affordability ourselves.
My fixed rate is ending, what should I do?
It’s worth speaking to a mortgage adviser before your fixed period ends, as rolling onto a standard variable rate can cost more. We can put you in touch with an FCA-authorised adviser who will explain your options. We don’t recommend any particular course of action ourselves, that’s the adviser’s role.
Does Horizon charge me a fee for the introduction?
No, Horizon’s introduction is completely free, and you never pay Horizon a penny. Horizon HQ is an introducer, not an adviser. Any mortgage adviser we match you to may charge a fee for their regulated advice, which is disclosed and agreed with you upfront before you proceed and is typically around £549 depending on your circumstances.
Is Horizon HQ regulated by the Financial Conduct Authority?
Horizon HQ Ltd is an approved introducer and is not itself authorised or regulated by the Financial Conduct Authority. All regulated mortgage advice is provided by our suitable authorised and regulated partners. Horizon HQ Ltd is an approved introducer of Asset Harbour Mortgages & Protection Ltd, whose FCA number is 630539.