Most lenders will offer between 4.5 and 5.5 times your annual income, though some specialist lenders will go higher for certain professions or income profiles. 

Given Farnham property prices, we regularly help buyers access higher income multiples where eligible. Your exact figure depends on your income, outgoings, credit history, and deposit. We’ll give you a clear answer in your free consultation.

A minimum of 5% is required for most residential purchases, though lenders offer better rates with higher deposits. For Farnham and higher-value properties, some lenders require a minimum of 10%. We’ll help you understand which options are available at your deposit level.

From initial application to mortgage offer typically takes 2–3 weeks, depending on the lender and complexity of your case. Full completion (including legal work) usually takes around 12 weeks. We manage the process proactively and chase on your behalf to avoid unnecessary delays.

Yes — Farnham’s easy access to central London, excellent schools, and strong commuter links make it a consistently popular rental area. Average 2-bedroom rents of £2,000–£2,800 per month mean rental yields can be attractive relative to property values, particularly in Farnham and Guildford. We can advise on buy-to-let mortgage options and help you understand what lenders look for in terms of rental income coverage.

Our fee structure is designed to be clear, straightforward, and often £0.

• Free Initial Consultation: We never charge for our first meeting or for investigating your options.

• Large Mortgages (£500k+): For residential mortgages over £500,000, we charge £0 broker fee.

• Lifetime Client Benefit: Once you are a Compton Financial client, we offer a Lifetime No-Fee service—meaning we charge £0 for all your subsequent remortgages.

• Standard Applications: For mortgages under £500,000, we charge a transparent, one-off fee (e.g., £295–£495) based on the loan size. 

• See our full Fees page for more information

Absolutely. Navigating high-value mortgages for the self-employed, contractors, and company directors is one of our core specialisms.

We understand that entrepreneurs and professionals often have complex income structures—including retained profits, dividends, and multi-currency earnings—that standard high-street lenders often fail to understand. As whole-of-market brokers, we have established relationships with private banks and specialist lenders who offer bespoke, manually underwritten mortgages.

Recent Case Study: We recently secured a mortgage for over £5,000,000 for a client with a complex income profile, achieving a bespoke rate and terms significantly better than any publicly available market deal. Whether you are seeking a high-loan-to-income multiple or a tailored private bank solution, we ensure your application is presented in its strongest possible light.