Exclusive Mortgage Management
Guildford
Mortgage advice covering buy-to-let. Exclusive Mortgage Management charges a broker fee.
About Exclusive Mortgage Management
Exclusive Mortgage Management is a UK mortgage broker based in Guildford. Its website describes mortgage advice for buy-to-let. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Exclusive Mortgage Management records one area of mortgage advice on MortgageMatch: buy-to-let. The firm is listed in Guildford.
A single recorded area does not necessarily mean a narrow practice — it may just be what the firm chose to list. Ask what else Exclusive Mortgage Management handles.
Buy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting.
Read the buy-to-let guideFees: what this means for you
Charges a broker fee
You pay this firm for its advice on top of the lender's product fee, valuation and legal costs. Ask for the amount, the point at which it becomes payable and whether it is refundable if the case falls through — firms must disclose this before you commit. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
Verify before you share anything.
We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Exclusive Mortgage Management
Tailored to this listing.
- 1You list buy-to-let — how many cases like mine do you place in a year, and which lenders do you use for them?
- 2What is your fee, when is it payable, and do I get it back if the application does not complete?
- 3How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 4Do you see clients at your Guildford office, or is this handled by phone and video?
Getting in touch with Exclusive Mortgage Management
Exclusive Mortgage Management lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
Does Exclusive Mortgage Management charge a fee for mortgage advice?
Yes. Exclusive Mortgage Management is listed as fee-charging, so you pay the firm for its advice in addition to lender and legal costs. Ask for the exact amount, when it becomes payable and whether you get it back if the application does not complete. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
What types of mortgage does Exclusive Mortgage Management handle?
Exclusive Mortgage Management records buy-to-let, working from Guildford. Ask anyway if your case sits outside that list.
Does Exclusive Mortgage Management arrange buy-to-let mortgages?
Yes — buy-to-let is one of the areas Exclusive Mortgage Management lists. How much you can borrow is set mainly by the rent the property will achieve against a lender's stress rate, not by your income. Ask about limited-company lending too, since the tax treatment differs and the rates usually do as well.
Does Exclusive Mortgage Management only cover Guildford?
Exclusive Mortgage Management is listed in Guildford, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Guildford on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.