Stuart Johnston – Mortgage and Protection Broker in Leatherhead, Surrey

Stuart Johnston is a Mortgage Broker in Leatherhead and an adviser at Kingston Finance Ltd. He provides mortgage and protection advice to individuals, families, and property investors who require clear, structured guidance when arranging finance.

Kingston Finance Ltd offers advice on residential mortgages, buy-to-let mortgages, commercial finance, bridging finance, second-charge mortgages, protection and general insurance. Advice is tailored to each client’s circumstances and delivered in line with current UK regulatory standards.

Mortgage Advice in Leatherhead and Surrounding Areas

If you are searching for a mortgage broker in Leatherhead, it is important to work with an adviser who takes time to understand your full financial position. Stuart supports clients who are purchasing their first home, moving property, refinancing an existing mortgage, raising capital through a second-charge mortgage, or expanding their property portfolio.

Recommendations are based on affordability, lender criteria and suitability. Where appropriate, options from a broad panel of lenders are considered to identify competitive, practical solutions.

How Mortgage Advice Is Delivered

Every case begins with a detailed fact-find. This ensures any recommendation is suitable for your needs and aligned with your financial objectives.

The process includes:

• Reviewing income, expenditure and credit history
• Explaining available mortgage types and repayment options
• Outlining lender criteria, potential fees and associated costs
• Liaising with lenders, solicitors and other relevant professionals where required

Clients are encouraged to ask questions throughout the process. Information is explained clearly so you can make informed decisions with confidence.

Areas of Advice

• Residential Mortgages: Support for first-time buyers, home movers and those purchasing a new main residence. Advice reflects current lending criteria and affordability requirements.
• Remortgages: Guidance for homeowners approaching the end of a fixed rate period or reviewing their current mortgage arrangements.
• Buy-to-Let Mortgages: Advice for landlords purchasing or refinancing investment property. Tax treatment depends on individual circumstances and may change.
• Commercial and Semi-Commercial Finance:  Funding solutions for business premises and mixed-use properties, subject to lender assessment and criteria.
• Bridging Finance: Short-term lending options where appropriate, often used for time-sensitive transactions or property refurbishment projects.
• Second Charge Mortgages: Advice for homeowners seeking to raise additional funds while retaining their existing mortgage arrangement, subject to suitability and affordability.
• Protection and General Insurance: Guidance on personal protection and insurance products designed to help safeguard income, property and family finances.

Supporting a Range of Client Circumstances

Stuart works with a wide range of clients, including:

• Self-employed applicants with variable income
• Homeowners reviewing monthly commitments
• Property investors planning portfolio growth
• Applicants with historic credit issues, where lenders may consider cases subject to underwriting

Each application is assessed on its own merits. Mortgage approval is subject to lender assessment, status and affordability.

Location and Availability

Based in Leatherhead, Stuart supports clients locally and in surrounding areas. Advice can also be provided remotely where appropriate.

Speak to Stuart Johnston

If you require mortgage advice in Leatherhead, an initial discussion can help you understand your options and the steps involved. The focus is on providing clear, structured guidance so you can make decisions aligned with your financial plans.

Mortgage advice should always be based on suitability, affordability and your long term objectives.