One possibility might be that he married Catherine in Ireland?
From the Irish marriage indexes, a Thomas Summerfield married in Limerick district in March quarter 1878.
Volume 5 Page 429. Two marriages and four names on page 429 - one of them is a Catherine White.
For the second marriage, Banns were called at St John the Evangelist, Walworth, January 31, February 7 and 14th 1897. Thomas Hanley Summerfield of this parish Widower + Kate Marion Champion of S Mary Magdalene Reigate Surrey spinster.
Ancestry have been filming Surrey parish registers, so we may yet get to see this one online.