Harsh Sapra | Your Trusted Mortgage and Protection Broker in Ashford, Surrey

Are you searching for a reliable Mortgage Broker in Ashford, Surrey? I’m Harsh Sapra, and I help individuals and businesses across Ashford and the wider Surrey area access finance solutions tailored to their needs.
Multilingual Support: I speak English, Hindi, Gujarati, and Marathi. This ensures you can speak in the language you are most comfortable with. Clear communication is key, especially with complex mortgage options.

Expert in Commercial and Semi-Commercial Mortgages

Whether you’re buying a mixed-use property or refinancing a commercial building, I can assist. I work with a broad panel of UK lenders who offer products for both established firms and first-time commercial buyers.

These mortgages often require detailed income evidence, business plans, or rental forecasts. I make sure every application meets current lending standards and presents your case clearly to potential lenders.

Buy-to-Let and HMO Mortgages

Looking to grow your rental portfolio? I provide clear, no-jargon advice on Buy-to-Let and House in Multiple Occupation (HMO) mortgages. Whether it’s a single unit or a licensed HMO, I can find a product that fits your strategy.

I also assist with portfolio landlord lending and limited company buy-to-let applications, with a focus on competitive interest rates and long-term cost efficiency.

Bridging Finance – Fast, Flexible Funding

Bridging loans are ideal for time-sensitive purchases or when standard mortgage options are not yet available. I help clients secure short-term funding for auction purchases, refurbishments, or breaking a chain during a property sale.

My knowledge of UK lenders offering regulated and unregulated bridging ensures you get terms suited to your situation. Speed matters—many of my clients complete in days, not weeks.

Limited Company Mortgage Advice

Buying through a limited company is popular with professional landlords. I guide clients through setup, lender criteria, and tax implications. Not all lenders deal with limited companies, so it’s vital to choose one that fits your goals.

Protection and General Insurance

It’s not just about property. I also help clients find suitable income protection, life cover, and buildings and contents insurance. Whether you’re covering a mortgage or securing rental income, I’ll recommend policies that fit your budget and needs.

Locations Served Near Surrey

In addition to Ashford, I also assist clients in:

✔ Staines-upon-Thames ✔ Sunbury-on-Thames ✔ Chertsey ✔ Weybridge ✔ Egham ✔ Walton-on-Thames

Why Work With Me?

✔ I have access to an extensive panel of UK lenders and insurers.
✔ I understand complex cases, including adverse credit or non-standard properties.
✔ I manage your case from start to finish, liaising with estate agents and solicitors.
✔ I tailor my advice to your goals—whether you’re buying, refinancing, or investing.

Get in Touch

If you’re based in Ashford, Surrey, or nearby, and need advice on bridging loans, commercial finance, or buy-to-let mortgages, I’m here to help. Let’s make sure your next property move or investment is backed by the right advice.