Lakshmi Bhavaneni – Mortgage and Protection Broker in Ashford, Surrey

Ashford is one of the areas where Lakshmi Bhavaneni provides trusted mortgage advice. If you’re looking for a Mortgage Broker in Ashford, Surrey, she offers clear guidance for buyers, landlords, and property investors. Her services extend across commercial and semi-commercial mortgages, buy-to-let loans, HMOs, bridging finance, limited company mortgages, protection, and general insurance.

Whether you’re expanding your portfolio or purchasing business premises, Lakshmi offers tailored support grounded in UK lending rules.

Mortgage Broker  in Ashford, Surrey – Areas We Cover

Ashford is one of the key areas served, alongside nearby towns such as:

• Staines-upon-Thames

• Sunbury-on-Thames

• Egham

• Chertsey

• Walton-on-Thames

• Feltham

Clients in these locations benefit from precise, regulated mortgage advice that reflects lender expectations and market activity.

Specialist Advice in Bridging Finance

Bridging finance is a short-term loan used to buy property quickly. It’s ideal when time-sensitive purchases require funds before a traditional mortgage is arranged. Lakshmi Bhavaneni supports:

• Property purchases at auction

• Buying before your current home sells

• Renovation or conversion projects

• Chain-break solutions to prevent fall-throughs

All bridging finance cases are reviewed carefully to ensure clear exit strategies, full compliance with FCA rules, and realistic loan terms based on property value and income.  Find a mortgage broker in Ashford

Support with Buy-to-Let and HMOs

Lakshmi offers expert support for buy-to-let and House in Multiple Occupation (HMO) mortgages in Ashford. Lenders often apply strict rental stress tests, licensing checks, and minimum income criteria. Lakshmi helps clients:

• Secure competitive rates for single lets and HMOs

• Understand local authority rules for shared properties

• Manage portfolio refinancing or limited company ownership

• Meet deposit and rental coverage requirements

Commercial and Semi-Commercial Mortgages

Ashford’s property market includes units with mixed residential and business use. Lakshmi helps investors:

• Finance shops with flats above

• Buy or refinance office spaces

• Purchase warehouses or industrial units

• Meet loan-to-value and lease term criteria

Every case is assessed individually to match lender rules on rental yield, property type, and business income.

Limited Company Mortgages for Property Investors

More landlords are purchasing property through limited companies for tax reasons. Lakshmi helps you:

• Compare lenders that accept SPVs and trading companies

• Understand interest coverage ratios and director guarantees

• Manage complex applications involving multiple shareholders

She ensures your company structure meets all lender requirements, avoiding delays or declined applications.

General Insurance and Protection

Mortgages are long-term commitments, and protecting your income is essential. Lakshmi provides regulated advice on:

• Life insurance

• Critical illness cover

• Income protection

• Buildings and contents insurance

Every policy is recommended based on affordability, employment status, and lender expectations.

Multilingual Advice – English, Telugu & Hindi

Lakshmi Bhavaneni is multilingual. She speaks English, French, Hebrew, and Yiddish. This benefits clients who prefer to discuss complex financial matters in their first language. It also helps international clients investing in UK property.

Clarity matters. Language should never be a barrier when securing a mortgage or planning long-term protection.

Why Clients in Ashford Trust Lakshmi Bhavaneni

Ashford is one of the prime areas Lakshmi serves, and she is known for her local insight, lender access, and regulated advice. Clients appreciate:

• Direct contact with the broker throughout the process

• Help meeting UK affordability and document requirements

• Clear, jargon-free guidance that’s always compliant

• A reliable service for first-time buyers and experienced landlords alike

Ready to Buy or Refinance in Ashford, Surrey?

Whether you’re purchasing a commercial unit, expanding a rental portfolio, or needing fast bridging finance, Lakshmi Bhavaneni is here to help. Based in Ashford and working across Surrey towns, she ensures every mortgage application meets UK lender criteria, while keeping your plans on track.