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Speak to an Advisor 7 days, 8am - 10pm
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Speak with a mortgage advisor 7 days a week, 8am - 10pm
01245 847678Speak to an Advisor
& Surrounding Areas
Speak with a mortgage advisor 7 days a week, 8am - 10pm
Enquire Online 01245 847678
Welcome to Essexmoneyman, your home of trusted, expert mortgage advice in Essex.
Our team is committed to making the home buying and remortgaging process stress-free and straightforward.
To speak with a mortgage advisor in Essex, book your FREE initial mortgage appointment online.
Welcome to Essexmoneyman, your home of trusted, expert mortgage advice in Essex.
Our team is committed to making the home buying and remortgaging process stress-free and straightforward.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
A mortgage broker in Essex like us helps you find the most suitable mortgage deal for your situation by comparing a wide range of products from different lenders. They work on your behalf, offering expert advice to guide you through the mortgage process, from your initial application to completion.
Using a mortgage broker in Essex can be beneficial, especially if you have unique circumstances such as being self employed, having a low deposit, or adverse credit. In these cases, a mortgage broker in Essex can connect you with specialist lenders that offer products tailored to your needs. Additionally, we handle all of the paperwork and communicate with lenders, estate agents, and solicitors to ensure a smooth process.
If you’re buying a property or remortgaging in Essex, speaking with a mortgage broker can also save you both time and effort, as they aim to secure the most suitable rates and terms available to your situation.
Using a mortgage broker in Essex like us can simplify the process of finding a mortgage that suits your needs. For example, we have extensive knowledge of the local market and access to a wide range of lenders, including those offering specialised products that might not be available directly to the public.
Here’s why you might consider using us as your mortgage broker in Essex:
Expert Guidance: We offer tailored advice based on your unique circumstances, whether you’re a first time buyer in Essex, self employed in Essex, or looking for a buy to let mortgage in Essex.
Access to 1000s of Lenders: We have access to a broad panel of lenders, including high street banks and specialist lenders, increasing your chances of securing a competitive deal. This is especially helpful if you have a complex situation, such as a low deposit or a history of adverse credit.
Saving You Time: Rather than spending hours comparing mortgage deals yourself, one of our mortgage advisors in Essex will do this for you. They handle all the paperwork and liaise with lenders on your behalf, making the process much smoother.
Support Throughout the Process: We will guide you from your initial application all the way through to completion. We’ll also keep track of any changes in the mortgage market, ensuring you stay informed about opportunities to remortgage for better rates in the future.
As your mortgage broker in Essex, we will take every bit of stress out of the mortgage process, using our expertise and local knowledge to find the most suitable mortgage for your situation.
The mortgage application process in Essex usually involves four main steps.
First, you start with your free initial consultation with us, where we assess your financial situation and help you secure an Agreement in Principle (AIP). This document shows how much you can borrow and gives sellers confidence that you are a serious buyer.
Next, once your offer on a property is accepted, we will assist you in submitting a full application and gathering documents like proof of income and expenses. The lender then arranges a property valuation to confirm its worth.
The third step is underwriting, where the lender reviews your application, credit history, and the property’s value. If approved, you’ll receive a formal mortgage offer.
Finally, during the legal and completion stage, our recommended solicitor handles all legal checks and the transfer of funds, allowing you to get the keys to your new home.
For your mortgage application, you’ll need documents like proof of identity (passport or driving licence), proof of income (payslips, tax returns if self-employed), bank statements, and details of any debts or regular expenses.
Our mortgage advisors in Essex will guide you through the document requirements to ensure a smooth process.
Booking a free initial mortgage appointment with us in Essex is simple. You can do this either online through our website or by giving us a call.
When you contact us, you’ll be able to choose a date and time that suits your schedule, as we offer appointments seven days a week, including evenings.
During your appointment, our experienced mortgage advisors in Essex will discuss your situation, answer any questions, and guide you on the most suitable mortgage options available.
We’re here to make the process as straightforward as possible and support you every step of the way.
Whilst it may seem like a logical choice to go directly to your bank for mortgage advice in Essex, there are downsides to it.
First of all, that bank can only offer their own products. You don’t have the option of product comparison, as there is nothing to compare!
Further to this, banks are notoriously difficult to communicate with. You could be waiting weeks or months for a mortgage appointment, only receiving sporadic updates once your process starts.
Here at Essexmoneyman, we pride ourselves on providing a responsive, customer-friendly service.
There is no waiting around, you can book yourself in whenever you like! Our team will also keep regular communication, ensuring you are up to date at every stage of the process.
Additionally, we are able to access 1000s of mortgage products, unlike banks that can only select from their own range.
If you need mortgage advice in Essex for complex situations, we’re here to help.
Whether you’re self employed in Essex, have a low credit score, or need assistance with niche mortgage products like buy to let or let buy in Essex, our experienced mortgage advisors in Essex can guide you through the process.
We have access to a wide range of specialist lenders and will tailor our advice to suit your unique circumstances.
By working with us, you’ll benefit from expert knowledge, ensuring you secure the most suitable deal for your situation.
Our Customers Love Us
5.00 Rating5 Reviews
Evan
Couldn’t be happier with the service from Jason and Stacey. Very professional and so helpful. Highly recommend this company. Thanks for everything
1 month ago
Richard
Very good service and excellent communication - definitely recommended
1 year ago
Shane
I cannot praise this team enough, they have been amazing. Especially Tom who went above and beyond to sort out my really complex mortgage and get me a deal which meant I could move to my new house. I would thoroughly recommend Essexmoneyman, they...
2 years ago
Shane
I cannot praise this team enough, they have been amazing. Especially Tom who went above and beyond to sort out my really complex mortgage and get me a deal which meant I could move to my new house. I would thoroughly recommend Essexmoneyman, they...
5 years ago
Imogen
We shopped around trying to find the most suitable deal, should have come straight to Essexmoneyman, Nathan and Laura found me a perfect mortgage. When we had picked our product, they were speedy in ensuring they processed our applications quickly...
2 years ago
Imogen
We shopped around trying to find the best deal, should have come straight to Essexmoneyman, Nathan and Laura found me a perfect mortgage. When we had picked our product, they were speedy in ensuring they processed our applications quickly and taking...
5 years ago
Jim
Matt and anna made the whole process super easy during the pandemic. as first time buyers we were worried but they made sure we were able to enjoy our first home together. thank you !!
2 years ago
Jim
Matt and anna made the whole process super easy during the pandemic. as first time buyers we were worried but they made sure we were able to enjoy our first home together. thank you !!
5 years ago
The deposit you need for a mortgage in Essex can vary depending on factors like your credit history, whether you’re a first time buyer in Essex or if you’re looking for a buy to let mortgage in Essex etc. Here’s a breakdown of what you might need in different scenarios:
If you’re a buyer with a good credit history, most lenders will generally require a minimum deposit of 5% of the property’s value.
For example, if you’re looking to buy a home in Essex valued at £200,000, a 5% deposit would be £10,000. A larger deposit (e.g., 10% or more) can help you access more favourable mortgage rates, potentially lowering your monthly payments.
If you have a bad credit history, such as missed payments, defaults, or County Court Judgements (CCJs), lenders might view you as a higher risk.
In this case, you may be required to provide a larger deposit, typically 10% to 15% or even more, depending on the severity of your credit issues.
By putting down a larger deposit, you show lenders that you’re committed to the purchase, which can often improve your chances of getting a bad credit mortgage in Essex.
For buy to let mortgages in Essex, lenders usually expect a minimum deposit of 25%-40% of the property’s value. This higher deposit requirement reflects the additional risks involved in letting out a property.
As your mortgage broker in Essex, we can help you assess your situation and find the right mortgage product that matches your deposit amount and financial circumstances.
The mortgage process in Essex typically takes around 4 to 6 weeks from the time you submit your full application to completion.
This timeline can vary depending on factors such as how quickly you provide the necessary documents, the lender’s processing speed, and the property valuation
The legal work involved, like property searches and title checks, also plays a part in the overall process.
By working with our mortgage advisors in Essex, we aim to make things run as smoothly as possible, keeping you updated every step of the way.
It’s best to obtain an agreement in principle (AIP) in Essex before you start viewing properties.
An AIP gives you a clear idea of how much you can borrow and shows sellers and estate agents that you’re a serious buyer.
This can give you an edge in a competitive market, as it demonstrates your financial readiness.
It’s also helpful to have an AIP when you’re negotiating offers, as it proves you have the lender’s initial backing to secure the mortgage.
An agreement in principle (AIP) in Essex typically lasts for 60 to 90 days, depending on the lender.
If it expires before you find a property or complete your purchase, it’s usually straightforward to renew it. Simply get back in touch with your mortgage advisor in Essex and they can arrange for your AIP to be renewed within 24 hours.
Keeping your AIP up to date is important, as it ensures you have an accurate picture of your borrowing power and can act quickly when you find the right home.
If you’re in a complicated situation, we can definitely help with tailored mortgage advice in Essex.
Whether you’re self employed, have a complex income structure, bad credit, or need support with a unique property purchase, our experienced team is here to guide you.
We specialise in finding solutions for tricky circumstances and work with a range of lenders who offer flexible products to suit various needs.
Yes, you can get a second mortgage in Essex for various purposes, such as purchasing a buy to let property, a holiday home, or raising funds against the equity in your current home.
The requirements for a second mortgage can differ from a standard residential mortgage, often requiring a higher deposit and a solid financial profile.
As your mortgage broker in Essex, we can help you explore your options, assess affordability, and find the most suitable second mortgage product for your needs.
Yes, you can get a mortgage when self employed in Essex.
Lenders typically require you to provide at least one to two years’ worth of accounts, tax returns, or SA302 forms to prove your income.
The self employed mortgage process is a little more complex than the process for employed applicants. This is why it is best to speak with one of our mortgage advisors in Essex when looking to get a mortgage when you’re self employed.
As a mortgage broker in Essex, we have access to 1000s of self employed mortgages in Essex, we aim to find the most suitable product for your personal and financial situation.
Yes, you can get a mortgage over 50 in Essex.
Many lenders are open to providing mortgages to individuals over 50, though they may have specific criteria. For example, they might look at your income, retirement plans, and the mortgage term to ensure you can comfortably make repayments into later life.
Our team offers expert mortgage advice in Essex and can help you explore your options, whether you’re buying a new home, remortgaging, or releasing equity.
A bridging loan in Essex is a short-term funding option used to ‘bridge’ the gap between buying a new property and selling your current one or to quickly finance a property purchase that traditional lenders might not support.
These loans can be useful in various situations, such as purchasing a property at auction, renovating an uninhabitable home, or resolving a broken property chain. While bridging loans provide quick access to funds, they often come with higher interest rates due to their short-term nature.
If getting a bridging loan in Essex is something you’re looking to achieve, make sure to get in touch with our specialists today. We can take a look at your situation and try to find you a solution based on your circumstances.
Regulatory Information
Essexmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain, you can view your rights below:
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Essexmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Essexmoneyman 2025.
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Essexmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Essexmoneyman 2025.
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