Skip to content 
About GP Norgate and how I work
At GP Norgate, I provide independent mortgage advice based on your circumstances, not a generic recommendation. With over 25 years’ experience in the mortgage industry, I take the time to understand your income, plans and concerns, then guide you through your options clearly and without pressure.
Whether you are buying your first home, moving, remortgaging, investing in property or exploring later life lending, my aim is to simplify the process and help you move forward with confidence.
Mortgage advice for every stage of life
Your mortgage needs will change over time, and your advice should reflect that. From first time buyers to experienced landlords and homeowners planning for later life, I provide mortgage advice based on your circumstances.
My aim is to reduce stress, explain your options clearly, and help you secure a mortgage that works for you both now and in the future.
Why clients choose GP Norgate
With over 25 years’ experience, I provide clear, independent mortgage advice built on trust, knowledge and personal service.
Independent, Whole-of-Market Advice
I provide independent mortgage advice with access to a wide panel of UK lenders. With over 25 years’ experience, my recommendations are always tailored to your circumstances and are never tied to any single provider.
Expertise in Complex & Flexible Solutions
I specialise in complex and non standard cases, offering flexible mortgage solutions for self employed clients, multiple income streams, credit challenges and specialist property types.
Clear, No-Pressure Guidance
My advice is clear, jargon free and pressure free. I take the time to explain your options in plain English, so you can make confident and informed decisions.
Support from First Call to Completion
You will receive a free initial consultation and full support from application through to completion, helping ensure a smooth and stress free process at every stage.
Mortgage advice for home buyers and homeowners
Buying, moving or remortgaging is rarely just about finding the lowest rate. Lenders assess affordability and criteria differently, and the right mortgage depends on your income, plans and the type of property involved.
I provide independent mortgage advice for home buyers and homeowners in Farnham, Surrey and Hampshire, helping you understand your options, choose the right lender and move through the process with clarity and confidence.
Residential Mortgages
Mortgage advice for buying, moving or reviewing your home mortgage, with clear guidance at every stage.
Remortgage
Reviewing your existing mortgage and exploring options to reduce payments or release equity.
First Time Buyer Mortgages
Clear guidance to help you understand deposits, schemes, affordability and the buying process.
Buy to Let Mortgages
Mortgage advice for landlords buying, remortgaging or expanding a property portfolio.
Let to Buy Mortgages
Advice on renting out your current home while arranging a mortgage for your next move.
100% Mortgages
Exploring lender options and guarantor style solutions where a full deposit is not available.
Specialist independent mortgage advice for complex circumstances
Not every mortgage application fits a standard lending model. Self employment, multiple income streams, investment properties or credit issues can all require a more tailored approach and access to specialist lenders.
I specialise in complex and non standard mortgage cases in Farnham and the wider Surrey and Hampshire area, offering clear advice and flexible solutions.
Self-Employed Mortgages
Mortgage advice for self-employed applicants, including sole traders and partnerships with non-standard income.
Contractor Mortgages
Specialist mortgage advice for contractors paid via limited companies, umbrella arrangements or short-term contracts.
Director Mortgages
Mortgage advice for company directors, taking dividends, salary and retained profits into account.
SME Owner Mortgages
Supporting small business owners with mortgage advice that reflects how their business and income are structured.
Shared Ownership and Equity
Guidance on shared ownership and equity based schemes to help you get onto the property ladder.
Next Time Buyer Mortgages
Mortgage advice for buyers moving on from their first home and planning their next purchase.
Later life independent mortgage advice that puts your future first
Later life lending has changed significantly in recent years, with more flexible and responsible options now available for homeowners aged 50 and over. Whether you are looking to release equity, manage retirement income, remain in your home for longer or offset an InheritanceTax liability, having the right advice is essential.
I provide clear and balanced guidance on later life mortgage options, helping you understand how each solution works and the long-term implications before you make a decision. My approach is always considered, transparent and focused on your future plans.
All advice is delivered with care, clarity and a strong focus on your long-term wellbeing.
Book your free consultation
Based in Farnham, Surrey, I work with clients across Surrey, Hampshire and nearby towns. Appointments are available face to face, by phone or online, whichever suits you best.
Your free consultation is an opportunity to talk things through in a relaxed, no pressure environment. During the consultation, I will:
- Discuss your current situation and future goals
- Explain your mortgage options clearly and honestly
- Outline the next steps and likely timescales
- Answer any questions you may have along the way