01 - MORTGAGES
Taking the stress out of thefinancial side of home ownership.
Securing the right mortgage is one of the most important steps when buying a home, especially in the Bracknell, Wokingham and wider Berkshire markets. At Sears, our in-house independent mortgage advisers work for you, not the lender, helping you make informed decisions with clarity and confidence.
- Independent advice
- Whole-of-market
- No upfront fee
- In-house team
02 - WHY US
Why use Sears for your mortgage?
Here's what sets our service apart:
- 01
Whole-of-market search
We search the entire mortgage market, not just a few products.
- 02
Exclusive rates
Access to exclusive deals and rates you might not find elsewhere.
- 03
Free expert advice
Our service is typically backed by lender commission, meaning no fee for you.
- 04
Paperwork handled
We handle all the paperwork and communication, making the process as smooth as possible.
03 - EDUCATIONAL
Understanding your mortgage options
There are several types of mortgage to consider and our independent mortgage advisers will guide you through each so you understand which is best for your situation.
REPAYMENT VS INTEREST-ONLY
Repayment
01With a repayment mortgage, you gradually pay down both the capital and interest over the term.
Interest-Only
02With interest-only, you pay just the interest each month - you'll need a plan in place to repay the capital at the end.
INTEREST RATE STRUCTURES
Fixed Rate
01Your interest rate stays the same for a set period - giving you certainty in your monthly payments.
Tracker Rate
02Follows the movement of the Bank of England base rate. Payments may go up or down.
Discounted / Capped / Offset
03Each offers different flexibility or protection - and we'll explain which might suit you best.
04 - PROCESS
How our process works
- 1
STEP 1
Discovery
Discuss your plans and budget with our adviser, what type of home, the area, deposit level and affordability.
- 2
STEP 2
Market search
We'll search the mortgage market, identify suitable products, show you indicative repayments and explain any risks.
- 3
STEP 3
Application
Once you select a product, we'll make the application, liaise with the lender, gather documentation and monitor progress.
- 4
STEP 4
Offer & completion
After offer in principle, we guide you through the full mortgage offer, legal process and completion, keeping you informed each step of the way.
05 - LOCAL
Local expertise for Berkshire buyers
Since our offices cover both Bracknell and Wokingham, our advisers understand the local property market, typical values and what lenders are comfortable with in the region. That means you benefit from advice tailored to your area, whether you're buying in town, a village home or investment property across Berkshire.
- Bracknell
- Wokingham
- Crowthorne
- Arborfield
- Finchampstead
- Winnersh
Arrange a mortgage consultation
Your mortgage questions answered
Frequently asked questions
Having a mortgage agreed in principle and therefore being in a proceedable position can give you stronger negotiating power when you find a property.
Most buyers aim for at least 10%–20% of the purchase price, though specialist advice may offer different routes.
Fixed rate locks your payments; tracker moves with the base rate, each has pros and cons.
Yes, we’ll explain exit fees, early repayment charges and how to plan ahead.
Yes, lenders consider local market values and trends, so our local insight in Bracknell, Wokingham and the surrounding areas helps.
Ready to explore your mortgage options?
Contact our mortgage advisers today at our Bracknell or Wokingham office and get expert advice to help you finance your property with confidence.