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Fast & Friendly Mortgage Advice in Essex

Appointments Available on Evenings and Weekends

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

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We love helping all our customers, especially the ones who really need Mortgage Advice in Essex - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01245 847678.

Book Online

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01245 847678.

Malcoms Image

We love helping all our customers, especially the ones who really need Mortgage Advice in Essex - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

What our customers say

Mortgage Broker in Essex | Mortgage Advice in Essex

Welcome to our website for Essexmoneyman. We are a Mortgage Broker in Essex & surrounding areas, here to help you with a new or existing mortgage.

 

When you use our services, the availability of a Mortgage Advisor in Essex increases as you can see your Mortgage Advisor in Essex when it suits due to them being available seven days a week. They will be on hand, ready to recommend the best deal for you, offering open and honest Mortgage Advice in Essex.

 

As an excellent Mortgage Broker in Essex, we have a great reputation and have, over the years, built up our teams experience so that you can find a great deal.

 

We make sure that each Mortgage Advisor in Essex who works for us has an abundance of experience leaving you fulfilled by being provided Mortgage Advice in Essex, especially to First Time Buyers and existing homeowners.

Popular mortgage scenarios we have come across:

  • A First Time Buyer seeking initial mortgage advice throughout the whole home buying process?
  • A Home Mover wanting an idea of how much you can borrow and how much your monthly repayments will be?
  • Hoping to Remortgage for a better deal, change the term of your mortgage, add, or remove people’s names, and / or raise additional money?

How do I arrange a Free Mortgage Consultation?

We can provide Mortgage Advice in Essex anytime you fancy. It is up to you when you would like to interact with us. Whenever you choose to approach us, we will provide you with the same, high-quality Mortgage Broker experience.

Considering Mortgage Advice from your Bank?

You can visit your bank for Mortgage Advice in Essex. However, their Mortgage Advisors are only allowed to offer products from one company. Also, their Mortgage Advisors are often hard to communicate. If you are actively viewing properties, this can be frustrating, especially if you are hoping to speed up your mortgage application.

 

We do advise rather than talk to your local bank, and it’s handy to seek Mortgage Advice from a Mortgage broker in Essex like us.

Been Declined? Mortgage Advice in Essex for Complex Situations

Do not fear – you are in safe hands with us! We are very experienced Mortgage Brokers in Essex, and we have in-depth knowledge of lending criteria.

 

The most popular reasons for being declined are income mix, low credit score, property type, failed affordability, and the bank will not lend enough. The good news is that we work with an extensive panel of Mortgage Lenders, and we can usually help with most mortgage scenarios.

Why Choose us as your Mortgage Broker in Essex?

You can contact us from early until late, seven days a week if you want to discuss a new mortgage or one, we are currently processing.

 

 

Our Mortgage Advisors will search through 1000’s of Mortgage Deals on your behalf to recommend the most suitable one for you, unlike the majority of Mortgage Brokers who get restricted to their products. We work independently to Estate Agents, meaning we only have your interests at heart.

What does a Mortgage Broker in Essex do?

We make sure that here at our Mortgage Broker in Essex, we are always on your side and that we work solely for you.

 

 

We are here to support you through the journey of your mortgage when you approach us to help you with your mortgage. It is all part of our job to make you feel relaxed, be honest, find you the most suitable mortgage deal and to provide help and guidance right up until your completion day.

 

 

We understand that buying a new property is not always easy, and the home buying process can be very daunting, especially if you are a first-time buyer or have not moved home in a while.

 

 

But if you choose us as your Mortgage Broker in Essex then we make sure that you’ll only see the bright side of mortgages and the enjoyable side of the applications – which is how it should be – we’re here to help you through every step of the way.

 

 

Rest assured, your dedicated Mortgage Advisor in Essex will be there when you need them to go the extra mile for you.

Mortgage advice in Essex – Options:

First Time Buyer Mortgage Advice Essex

Our Mortgage Advisors in Essex are here to walk you through every step, from initial mortgage enquiry, right until you get the keys to your new home.

Moving Home Mortgage Advice Essex

Simply, wanting Mortgage Advice in Essex, such as knowing how much you can borrow on a new mortgage, what happens to your old one and how much this will cost?

Remortgage Advice Essex

Seeking a better mortgage deal by using our Mortgage Broker in Essex, to reduce or extend the term, to add or remove a name, or raise money on your home?

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

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Common mortgage questions

Your free initial mortgage consultation in Essex will last roughly around one hour. Your mortgage advisor will then recommend a mortgage for you with no obligation for you to proceed and you are then able to decide whether or not you wish to go ahead with the mortgage.

As your mortgage broker in Essex, we will need to carry out a Fact Find to establish what your needs are, prior to us recommending the most suitable mortgage for you and your circumstances. A credit check will be required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, you will be able to receive a formal mortgage offer.

To avoid the potential of having an offer rejected, we recommend you obtain an Agreement in Principle before viewing properties in Essex. We recommend that at the very latest, you should obtain one before you look at making an offer, as this can assist your bargaining position.

Your Agreement in Principle will usually last for between 30 and 90 days, depending on the lender that you go with. If it happens to expire, your mortgage broker in Essex can easily refresh this.

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 required by a high street lender when purchasing a house in Essex, is typically 5%. If you have had past credit issues, this could be higher.

If you have had previous credit problems, the good news is you can still get a mortgage, though you may possibly have to put down a higher deposit than those with good credit, often around 15% of the property purchase price.

Once you have put forward at least one year’s accounts, you will be able to get a mortgage. A vast amount of lenders will use your salary plus dividend to determine the maximum mortgage you are eligible for, whereas others may go off your net profit.

For an employee to prove their income, they’re usually required to provide three payslips, whilst for self-employed applicants they’ll need the latest 2 years’ accounts. You will also need to present the lender with proof of ID, address and the latest 3 months’ bank statements.

When you engage in a free mortgage consultation with one of our Mortgage Advisors in Essex, your discussion will take around one hour. Our team can usually produce an Agreement in Principle within 24 hours of your appointment and achieve a formal mortgage offer within three weeks.

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.


Essexmoneyman, Elizabeth House, 28 Baddow Road, Chelmsford, Essex, CM2 0DG.

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