From your initial contact with us, right through to the finalisation of your mortgage and beyond, we’re committed to providing you with the best possible support and guidance. As a mortgage broker in Walton-on-the-Naze, here are just a few services we can help you with:
Regardless of your mortgage goals, you’ll find value in chatting with a certified mortgage advisor in Walton-on-the-Naze. They will compare available market options to ensure you secure the most suitable deal for your unique situation.
We understand that navigating the mortgage process can be daunting, especially for those in Walton-on-the-Naze who are stepping onto the property ladder for the first time and have no previous experience of purchasing or owning a home.
As a mortgage broker in Walton-on-the-Naze, we strive to alleviate your concerns as much as possible, aiming to facilitate a smooth, hassle-free mortgage process wherever possible!
Leveraging the expertise and experience of our mortgage advisors in Walton-on-the-Naze, along with our dedicated team of mortgage administrators, we are committed to doing everything within our power to help you succeed with your mortgage, no matter what your circumstances may be.
Buying your first home in Walton-on-the-Naze can be a daunting and complex process, especially when it comes to securing a mortgage.
Our mission, as a team dedicated to providing straightforward and comprehensible mortgage advice in Walton-on-the-Naze, is to reduce your worries and make your journey as simple as possible.
During your interaction with us, your mortgage advisor will provide you with an approximation of how much you may be able to borrow, giving you a ballpark figure to work with.
Furthermore, your advisor will strive to secure an agreement in principle for you, a crucial step when placing offers on properties, within 24 hours of your initial mortgage consultation.
Many believe that moving home in Walton-on-the-Naze can be one of life’s most challenging experiences, particularly when a mortgage is involved.
Fortunately, for current homeowners ready to progress in life, having a mortgage broker in Walton-on-the-Naze can significantly reduce your stress.
Our aim is to guide you through the mortgage process as swiftly as possible, lightening your load as you prepare and pack for your upcoming move!
For a considerable period, we have been helping both new and existing landlords with their buy to let mortgages. Our mortgage advisors in Walton-on-the-Naze are highly skilled in dealing with buy to let mortgage requirements.
Typically, we have noticed that many landlords we interact with often return to us for managing the mortgage aspects of their buy to let properties. This provides them with the convenience of having one less concern to manage.
Maintaining an advantageous position with your mortgage is always important, ensuring you’re availing the best possible deal. Given that your mortgage is likely a long-term commitment, it’s probable that rates, products and even personal circumstances have shifted over time.
Whether it’s clients in Walton-on-the-Naze nearing the end of their current agreement or those contemplating an early remortgage, we’re always ready to assess your situation and find ways to secure the most beneficial deal for you.
We often engage with our customers on a variety of needs including home renovations, capital raising, securing a better deal or consolidating debts, among others. No matter what your goal is, a mortgage advisor in Walton-on-the-Naze is always available to help you.
If you are a Walton-on-the-Naze resident aged 50 or above, you might be eligible for a range of mortgage products specially tailored for homeowners or potential home buyers approaching their later years.
These options could encompass hybrid mortgages, retirement interest only (rio) mortgages, term interest only (tio) mortgages, standard mortgages and remortgages, in addition to equity release in Walton-on-the-Naze (available for customers aged 55 and above).
Mortgages in Walton-on-the-Naze for those over 50 can often be a complex field, which is why it’s crucial to speak with a skilled and professional mortgage broker in Walton-on-the-Naze to fully comprehend your various options.
Our Customers Love Us
5.00 Rating4 Reviews
Richard
Very good service and excellent communication - definitely recommended
5 months 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...
4 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...
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...
4 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 !!
4 years ago
Schedule a free consultation with one of our dedicated mortgage advisors in Walton-on-the-Naze at a time that suits your schedule, utilising our easy and cost-free online reservation platform.
When you contact us, one of our committed mortgage advisors in Walton-on-the-Naze will be at your service. They will make sure to understand your financial status and evaluate your borrowing capacity, securing an Agreement in Principle for you if suitable.
Once you’ve had your meeting with one of our mortgage advisors in Walton-on-the-Naze, they will sift through thousands of possibilities to locate the most favourable deal for you. If their suggestion meets your approval, we’ll proceed with your mortgage application.
Once you’ve finished filling out your application, it needs to be forwarded to the lending institution. Don’t worry, our mortgage advisors in Walton-on-the-Naze will handle this task for you and consistently update you about its progress!
Should you require mortgage advice in Essex concerning a standard purchase enquiry, contemplating equity release through a remortgage or a later life product, exploring your insurance possibilities, or have any other queries, we’re here to provide the best assistance we can.
Our committed mortgage advisors in Essex are accessible throughout the week, from dawn to dusk, ensuring you have the flexibility to arrange a discussion at a date and time that is most convenient for you!
As a mortgage broker in Essex, we have the capability to sift through thousands of diverse mortgage deals, including some particularly specialised mortgage products, to identify the most favourable options for our clients.
Our team has amassed considerable expertise in handling a broad spectrum of home purchasing and mortgage situations. Our mortgage advisors consistently stay abreast of the latest mortgage lending criteria. They are committed to doing their utmost to help you secure the most advantageous deal for your specific goals!
To begin your property search, you will require:
When applying for your first mortgage, you will need to provide:
You will be liaising with:
Our dedicated mortgage team will be with you every step of the way. You will be assigned a personal case manager to answer any queries you may have.
If you currently have a fixed-rate mortgage, the majority of lenders will permit you to shift it to a new property.
Our group of mortgage advisors in Walton-on-the-Naze is at your disposal to help you in this process, guiding you through different alternatives and clarifying any expenses associated with extra borrowing.
Transferring, or ‘porting’ your mortgage typically necessitates that you satisfy the current lender’s requirements, meaning an application is still required.
If your mortgage isn’t fixed rate, it may be worthwhile to scan the market for potential financial benefits.
Buy to let mortgages don’t have a fixed maximum limit; some clients may own hundreds, while others have merely a few.
Regardless of whether you purchase properties individually, jointly, or via a limited company, the quantity of mortgages you can obtain is typically unrestricted, as long as you can satisfy your lender’s requirements.
Your risk appetite and future objectives, such as retirement earnings, job replacement, capitalising on property growth, or creating an asset for upcoming generations, will dictate the number of mortgages you can manage.
You are at liberty to remortgage whenever you wish, provided you are not locked into a fixed rate agreement or if your property is already free from a mortgage.
If you currently have a fixed rate mortgage, it would be ideal to contemplate remortgaging approximately 6 months prior to the end of your existing agreement. However, it’s worth noting that if you need to remortgage within a fixed rate agreement, it’s possible but you may be subject to early repayment fees.
In such situations, our team of mortgage advisors in Walton-on-the-Naze can investigate other options such as a second charge mortgage (secured loan) or an additional advance from your current lender in order to identify the most financially beneficial solution for you.
While some homeowners and potential home buyers may feel their options are limited, a wealth of mortgage solutions exist for individuals over 50.
As an independent mortgage broker in Walton-on-the-Naze, we specialise in advising on mortgages for those in their later years. Here’s how we can help:
Should you require assistance with a situation not mentioned above, please don’t hesitate to contact us. We’re here to explore how we can support you.
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