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Moving Home Mortgage Advice in Essex

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We Take the Stress Away From Moving Home in Essex!

If this is your first time moving home or you haven’t done the process in a while and selling can seem scary. That is without a professional Mortgage Advice Team on your side! We’re here to hold your hand throughout the whole Moving Home Process and whatever hurdles we should meet along the way. We’re with you from your initial enquiry right through to your completion day.

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Moving Home Mortgage Advice in Essex

People have gotten in touch to seek Mortgage Advice in Essex and here are some of the reasons they may be doing so:

  • Is your current property on or soon to be ‘on the market’ and you’re wanting to know how much you can borrow and how much your repayments will be?
  • Have you sold your house and are wanting to make an offer on a new property?
  • Already had your offer accepted and want to get going with your mortgage application?
  • Would like a Mortgage Agreement in Principle Certificate to back-up any offers you are ready to make?
  • Already visited your Bank’s Mortgage Advisor and been declined? i.e. poor credit, income mix, the bank won’t lend enough, not fitting their lending criteria etc
  • Do you have an unusual or complex mortgage situation and need help?

If you fall into any of these categories or even something else, we will do all we can to help.

Why choose Essexmoneyman as your Moving Home Mortgage Broker?

As a fast and friendly Mortgage Broker in Essex, we work with you to make sure you end up with the closest mortgage that you’re trying to choose without any outside involvement from Banks, Building Societies or Estate Agents. Our Mortgage Advisors in Essex will look out for only your best interests!

 

  • Free no obligation mortgage consultation for all customers.
  • We are not tied to any Estate Agents, Bank or Builders and have your sole interests at heart.
  • Our expert mortgage advisors are here 8am – 10pm to answer all of your mortgage needs. Getting through to an advisor will never be a problem.
  • We can search 1000’s of mortgages to find you the best deal for your circumstances.
  • We can offer face to face or over the telephone Mortgage Advice in Essex.

 

Contact us to book your free moving home mortgage consultation.

What our customers say

Common mortgage
questions

Your free mortgage consultation in Essex will last around one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.

As your mortgage broker in Essex, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check gets required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

To avoid possible rejection, we recommend you obtain an Agreement in Principle before you begin viewing properties in Essex. At the very latest we also recommend, you should obtain one prior to making an offer to assist your bargaining position.

An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. This can always be refreshed if it happens to expire.

If you’re thinking about the future of your property, whether you’re looking at debt consolidation or home improvements, you may eligible for a second mortgage. This may also be a possible option if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

The minimum deposit you would require when purchasing a house in Essex with High Street Lenders is typically 5%. This can be higher if you have had credit issues in the past.

The good news is you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.

Once you have submitted at least one year’s accounts, you can get a mortgage. A large majority of Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.

For an employee to prove income, It’s usually three payslips and the latest 2 years’ accounts for Self Employed. You will also need to produce proof of ID, address and 3 months’ bank statements.

A standard initial mortgage consultation with one of our Mortgage Advisors in Essex can take around 1 hours. We can normally produce an Agreement in Principle within 24 hours and achieve a formal mortgage offer within 3 weeks.

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We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links

Essexmoneyman.com & Essexemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.


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