Meet Craig Smith, Your Woking Mortgage Advisor

Craig’s career in financial services spans more than 19 years, all of them spent working with buyers, movers and homeowners across Surrey and the surrounding area. During his time with one of the region’s leading estate agency groups, he developed a deep understanding of how the local property market works and what buyers at every stage actually need from their mortgage advice.

What sets Craig apart is his focus on long-term suitability. Rather than simply finding a deal that works now, he designs mortgage solutions that are built to fit a client’s broader financial situation and future plans. That approach earned him recognition as one of the top consultants in a large regional group, and it is the same approach he brings to every case at Coreco.

Craig joined Coreco because the whole-of-market model gave him access to niche and specialist products that tied advisors simply cannot offer. For clients with more complex situations, those extra options can make all the difference.

Outside work, Craig enjoys spending time with his family and getting out to live music and comedy events across the region.

Mortgages in Woking

Woking is one of Surrey’s most active property markets, driven by excellent transport links, a strong local economy and a wide variety of housing stock that suits buyers at different stages of life. Trains from Woking to London Waterloo take as little as 24 minutes, making it a popular choice for London professionals who want more space without leaving the commuter belt.

Average sold prices across the Woking area sit at around £535,000, though the range is wide. Flats typically sell for around £262,000, making them an accessible entry point for first-time buyers. Semi-detached homes average around £509,000, while detached properties average close to £901,000. Pockets like Horsell, Pyrford and Old Woking regularly attract buyers looking for larger family homes, and prices in those areas can go considerably higher.

The market has softened slightly from its 2023 peak, which means well-prepared buyers with mortgage approval in place are often in a strong negotiating position. That is exactly where having the right advisor matters most.

Whether you are navigating your first purchase, stepping up to a bigger home, or exploring buy-to-let in an area with solid rental demand, Craig’s local knowledge and whole-of-market access mean he can find a solution that fits your specific situation.

Areas we cover around Woking: Woking town centre (GU21/GU22) Horsell Knaphill Old Woking and Mayford Pyrford and Wisley Byfleet and West Byfleet Send and Ripley Guildford Camberley

Types of Mortgage Craig Can Help You With

Craig covers the full range of mortgage products available through Coreco. In Woking and across Surrey, he regularly works with clients on:

• First-time buyer mortgages, including Shared Ownership and government-backed scheme options
• Home mover mortgages
• Remortgages for a better rate or to release equity
• Buy-to-let mortgages, including portfolio landlord cases
• Self-employed and contractor mortgages
• Protection products alongside your mortgage
• Complex applications that fall outside standard lender criteria

Craig is happy to have an initial no-obligation conversation to understand your situation and talk through your options, whatever stage you are at.

Why Choose Coreco in Woking?

Coreco is an award-winning, whole-of-market mortgage broker with access to more than 90 lenders and over 12,000 mortgage products. For buyers in a market as varied and competitive as Woking, that breadth of access matters.

Craig’s long background in Surrey means he understands the local market, the lenders who perform well in this area, and the nuances of the different property types you are likely to encounter. Backed by Coreco’s full product range and support team, he handles straightforward cases efficiently and complex ones with real expertise.

What sets Coreco apart: Whole-of-market access across 90+ lenders Dedicated advisor throughout the entire process Specialists in both straightforward and complex mortgage cases Award-winning service with over 1,000 five-star Trustpilot reviews FCA authorised and regulated