Darren Ralph

read moreAt Sutton Mortgage Brokers we value our reputation as a trusted local mortage brokers. With us, you'll get access to exclusive rates from some of the UK's biggest lenders, all explained clearly, without the jargon. Everything's set up to make it really easy to get what you need, so you can afford the home you've set your heart on. With expert guidance you can trust, we make sure you get the right advice, whether you want to chat on the phone, drop into an office or get things done via the web. It's entirely up to you.

read moreWe are able to help whether you are a first-time buyer, moving home, looking for a Buy to Let Mortgage, Equity Release or just looking to get a better a deal on your current mortgage. Being Independent means, we are able to source the best mortgage products from the whole of the market. We compare mortgages from all the UK lenders and aim to help make the process as straightforward as possible and that any recommendation we make is the best deal for you. Getting a mortgage is one of the most important financial decisions you will take in your lifetime; there are many mortgage products to choose from and not all will suit your personal circumstances.

read moreWe search the UK Life Insurance market on your behalf to find you the most appropriate, competitive and affordable cover for your personal circumstances, to try to save you both time and money. This helps give your family financial protection should you pass away within the policy term. It means you leave a lump sum to your family - helping your loved ones to maintain their living standards, if you have a mortgage this could be used to repay part or even all of your mortgage depending on the sum assured.

read moreWhatever life insurance advice or products, you are seeking, we will take the hassle out of the search for you. There are literally thousands of deals available and we make the whole research process fast, efficient and simple.

read moreThis will cover the cost of repairing damage to the structure of your property, should your property suffer from unexpected events like fire, storm, floods or theft. The lender normally insists that buildings insurance is put in place prior to your mortgage completing to protect their interest in your property, your conveyancer will normally request a copy of policy schedule prior to your mortgage completing. It's important to make sure you insure your property for the amount it would cost to completely rebuild your home, this is known as the sum assured.

read moreMoving home is an exciting time but also can be a stressful time as you have to balance selling your property and buying your new home at the same time. We will answer all these questions you may have and be there to guide you every step of the way, from initial assessment of what you can afford in terms of overall mortgage and monthly repayments, through choosing a specific product that's right for you and taking care of the application process.

read moreMany borrowers choose to remortgage in order to take advantage of the new rates on offer. You may want to remortgage because your current fixed rate deal is due to expire and want to avoid paying the lenders standard variable rate which could be higher. There are other reasons you may consider a remortgage this could also be to consolidate debt or raise funds to pay for home improvements.

read moreA home or buy-to-let property is likely to be the most expensive purchase people will ever make. Before marketing the property for sale, sellers have to arrange a Home Report to show to buyers interested in their property. Stamp Duty Land Tax (SDLT) is a progressive tax paid when purchasing a freehold, leasehold or shared ownership residential property over 125,000 (40,000 for second homes) in England, Northern Ireland and Wales (separate Land and Buildings Transaction Tax in Scotland). During the course of dealing with us we will ask you to provide us with detailed personal information relating to your existing circumstances, your financial situation and, in some cases, your health and family health history (Your Information).