Fast & Friendly Mortgage Advice in Essex
Appointments Available on Evenings and Weekends
Read our 3 Reviews
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 OnlineTo speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01245 847678.
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 Online5.00 Rating3 Reviews
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...
1 year 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...
1 year 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 !!
1 year ago
- Mortgage Advice
- Why Us?
Mortgage Broker in Essex | Mortgage Advice in Essex
Welcome to Essexmoneyman, home of expert mortgage advice in Essex. We are a long-standing, experienced Mortgage Broker in Essex & surrounding areas, ready and willing to help out homeowners and home buyers alike with new or existing mortgages.
One of the major benefits of our mortgage advice service, is our online booking feature and appointment availability.
This allows for a much easier booking process for potential customers. Rather than waiting a month for someone to respond, you get to choose your own appointment, at time slots that suit you (subject to availability).
Once you’re booked in, you’ll be able to speak with a dedicated mortgage advisor in Essex, who will run through your case and recommend the best course of action to take, based on your circumstances and what you’re looking to achieve.
As an open & honest Mortgage Broker in Essex, we have a brilliant reputation for helping customers, both new and existing.
In addition to this, we have a great deal of collective mortgage experience. We will utilise this experience to help our customers clear their mortgage hurdles.
Popular Mortgage Scenarios in Essex
During our time as providers of fast & friendly mortgage advice in Essex, we have come across a wide variety of mortgage scenarios.
Here are some of the most popular mortgage scenarios that 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 book a free mortgage appointment in Essex?
With the implementation of our online booking feature, you now have the freedom to book appointments at times that are convenient to both your personal and professional schedules.
Want a lunch time appointment? See if there’s a time slot that works for you. Have a preference for evening appointments after work?
We have staff working late, every day of the week! Take a look and book in at a time of your choosing, subject to availability.
Considering mortgage advice in Essex from your bank?
Whilst it may seem like a logical choice to go direct to your bank for mortgage advice in Essex, there are downsides to it. First of all, that bank can only offer their own product. 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 have a large mortgage panel that we work with. This means you won’t only have one banks product to work with, you’ll have plenty more!
We will review lending criteria and match it up with your case, recommending the most appropriate mortgage deal for you and what you’re looking to achieve.
Mortgage Advice in Essex for Complex Situations
Sometimes customers can find it a little more difficult to get a mortgage, due to unfortunate hurdles cropping up either prior to or during the mortgage process.
Worry not, as our trusted mortgage advisors in Essex have an in-depth knowledge of mortgage lending criteria.
A selection of the more frequent scenarios that we come across, where a customer might be finding it challenging, include having a mixed income, low credit score, the type of property is making the process difficult, failed affordability, or they have been to the bank and they aren’t willing to lend enough.
The good news for these customers, is that we work with an large panel of mortgage lenders, many of whom offer niche, specialist mortgage products to customers in need.
Whilst nothing is ever guaranteed with a mortgage, you’ll have the comfort of knowing there may be options out there for you.
Why choose us as your mortgage broker in Essex?
Our team are available from early until late, 7 days a week, with appointments at times that are better suited for the day-to-day life of a customer.
This, along with our responsive nature and keeping customers informed on a regular basis of what is going on, is what sets us apart from the rest.
A trusted mortgage advisor in Essex will be able to search through 1000’s of mortgage deals on your behalf to recommend the most suitable one for you and what you are looking to achieve with your mortgage process.
As a company, we’ll be here all throughout the process, to answer any mortgage questions you have, and to provide both guidance and support.
We’re here for you; your needs as a customer always come first.
Our goal is to help you to reach mortgage success through providing a high standard of Mortgage Advice in Essex.
What does a mortgage broker in Essex do?
We are always on hand to guide and support you all throughout your mortgage process. It’s our aim to ensure all of our customers feel relaxed, are treated with an open & honest service, and end up with the most appropriate mortgage deal for their circumstances.
It understandably isn’t always easy when purchasing a property, the home buying process can be a daunting one.
This is especially the case if you are a first-time buyer in Essex or have not moved home in a while.
As your trusted and experienced Mortgage Broker in Essex, we’ll make sure that we’re there for you, from the start of your application, right the way until completion, and beyond.
Our service goes beyond just the mortgage, making any appropriate insurance recommendations to protect you and your family.
Mortgage advice in Essex – Options:
We search 1000's of mortgage deals across a large number of lenders, including:
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.
