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Fast & Friendly Mortgage Advice in Essex

7 Days a Week 8AM - 10PM

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.

For your FREE mortgage consultation call 01245 847678

About Us

For your FREE mortgage consultation call 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.

About Us

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 8 am-10 pm, 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 1000s of mortgage deals across a large number of lenders, including:

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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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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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