So, you have saved up your mortgage deposit and are ready to make an offer on a property. The next step is to begin preparing your mortgage application!
If you are a first time buyer in Essex, you may not know how to start your mortgage application. We are here to help you not only prepare your mortgage application but to also help you get the correct documents ready to support your application. Within this article, we are going to look over the documents and evidence that you will need to support your mortgage application.
It is important to obtain an up-to-date credit report during the preparation of your mortgage application. This is crucial for your mortgage application, and it is recommended that you arrange to get yours before contacting a mortgage broker in Essex. Your mortgage advisor in Essex will review your report and then pass it on to a suitable lender.
You will need to have an agreement in principle (AIP) to make an offer on a property. As a mortgage broker in Essex, we can get you a fully credit-checked agreement in principle within 24 hours of your application. Simply get in touch with us to schedule your free callback with a mortgage advisor in Essex, and we’ll aim to turn around the agreement in principle within 24 hours after that.
To confirm your identity, it’s important to provide a photo ID such as a driving license or passport. However, if you’re using a driving license as proof of address, you’ll need an alternative form of ID. Non-UK nationals working on a visa will also need to provide their visa documentation.
You will be required to prove where you live. This is usually in the form of a utility bill or bank statement within the last 3 months.
Your bank statements reflect your income and regular expenses. Lenders can often view excessive gambling transactions, overdraft limits, and bounced direct debits negatively.
Even if lenders don’t explicitly ask for your bank statements, they want to be sure that you are financially responsible. Your bank statements should show your salary going in and your bills going out.
It is crucial to provide evidence of your deposit for anti-money laundering purposes when applying for a mortgage. We advise avoiding moving finances around your accounts too much, as this can complicate the process and lead to delays.
Lenders prefer to see responsible saving habits, but you still need to account for any significant recent deposits in your accounts. If you received a gifted deposit, written confirmation must state that it is a non-refundable gift.
When applying for a mortgage, lenders typically request your last three months’ payslips and your most recent P60 if you’re employed. They consider regular overtime, commission, shift allowances, and bonuses, and some lenders may also take extra earnings like part-time jobs or self-employment into account.
We have worked with many self employed applicants in Essex. If you’re self employed, you’ll need to request proof of earnings for the last two or three years from the Revenue, which may require the help of your accountant. If you submit your own accounts, feel free to reach out to us, and we’ll be happy to advise you on how to download them from the Government Gateway.
Calculating your estimated outgoings after moving can give you an idea of how much disposable income you’ll have to pay your mortgage after regular expenses, council tax, and utility bills are paid. To assist with this, we can send you a budget planner to help you get started.
Preparing for a mortgage application can seem daunting, but with proper timing and organisation, along with a mortgage broker in Essex, you’ll be in good hands. There are several steps to follow, but don’t worry, we can help guide you through the process.
In 2020, the global coronavirus pandemic forced business models to be revamped and in some cases, changed completely. There was also a huge increase of self employed workers.
Due to business changes and constant shifts in rules and regulations, a lot of individuals had to work from home. At the time, no one knew how long this was going to be, therefore the thought of investing in a home office didn’t seem like such a bad idea.
Even now, investing in a home office seems like a great idea. Who knows what could happen in the future!
You don’t need to purchase your home office outright, there are alternative methods such as remortgaging and incorporating the costs into your mortgage. This is what we’re going to look at in this article – Remortgaging for a Home Office.
A remortgage is when renew your current mortgage deal or switch over to another deal to replace your current one.
There are lots of different reasons why someone may want to remortgage. You might want to find a better rate, remortgage for home improvements, consolidate debts or just avoid falling onto your lender’s standard variable rate of interest.
When it’s time to remortgage in Essex, if you need help getting the ball rolling, feel free to get in touch with Essexmoneyman and book your free remortgage appointment.
When remortgaging for this reason, you will be incorporating the costs for the home improvements into your mortgage. Although this means that your payments will go up, you won’t have to pay an upfront fee for your new home office.
Home improvements costs can vary as it depends on what you’re wanting to improve! A remortgage for a home office is on the lower end of the spectrum if you compare it to a whole new kitchen.
If you take an example of a home office costing £5,000 – £10,000, your monthly remortgage payments may only go up by an extra £20 – £60 per month. Depending on what remortgage product that you take out, your term may also increase.
Remortgaging for home improvements could save you money further down the line as it can value your home.
Having an office at home can be beneficial in many ways, here are some reasons that we’ve come up with:
However, if you have younger children, this may be a little more difficult. It can still be worth investing in for the future for when they start school.
You can easily contact the rest of your team form home through video and phone calls or by messaging them.
This is even more useful when you have plans after work, you won’t need to rush home.
As a mortgage broker in Essex, we can say that the costs of moving home in Essex will be much more expensive than remortgaging for home improvements. If you want to create more living space, for ease and to save costs, remortgaging could be the better option.
If you are thinking of remortgaging to create a home office, you should get in touch with our remortgage advisors in Essex. We can offer you a free remortgage appointment with an advisor, so get in touch and book yours today.
There are many reasons why you may want to remove a name from a mortgage. The process will be complicated and stressful no matter the reason why you want to remove a name. Taking out a mortgage in multiple names can be complicated anyway, never mind trying to get out of one.
We aren’t saying that you can’t remove your name from a mortgage, you can if you need to.
As a mortgage broker in Essex, the most common reason for wanting to remove a name from a mortgage is because of a divorce or separation. In this situation, the homeowner may want to remove their name or their ex’s name from the mortgage.
Financial arrangements are amongst the most important things to sort out during a divorce and separation, however, unfortunately, they seem to get left until last. Leaving complex processes till last can be stressful and time-consuming; surely, you’d want to get the financial aspects sorted straight away? The more time given to these processes, the better too.
Your lender, building society or mortgage broker in Essex will need to check whether or not the party leaving the mortgage agreement will be able to live comfortably with just one income. The party staying within the property must also be able to manage the mortgage payments on their own.
Both parties must agree for a name to be taken off a mortgage, therefore, if one party doesn’t want the name removed, the process can’t go ahead without taking the situation to court. This can be costly and take a lot of time.
When going through a divorce or separation, it’s important to get specialist mortgage advice in Essex. Speaking to a professional will be extremely beneficial further down the line.
Surprisingly, this process is quite simple. It can be made even simpler you go to a mortgage broker in Essex.
You’re essentially just transferring equity to your family member or friend. The names on the mortgage will switch and the equity within the property will stay the same. First of all, the new homeowner will need to prove that they can afford a mortgage. They will have to go through an affordability and eligibility assessment to prove this.
If a party is not paying their way, you may start receiving consequences even though it was nothing to do with you. As a mortgage broker in Essex, we see this situation a lot, it’s hard to do much about it by yourself as you can’t make someone pay their payments, they have to do it themselves.
Missed payments can negatively affect everyone else in the household. When you’re financially linked with people, if they do things that can harm their credit file, you may get impacted too.
In a situation like this, it’s best to approach someone who can do something to help. Even speaking a professional mortgage advisor in Essex can help.
When you’re wanting to remove a name from a mortgage, it may be best to get guidance and assistance with the process. Getting specialist mortgage advice in Essex should work.
Describe your issue to your mortgage advisor in Essex so that they can get a clear understanding of your situation. Remember, before you can continue, the named party that you’re trying to remove will need to agree for the name to be removed. This can be a struggle if they’re adamant that they don’t want it removed.
Get in touch and book your free mortgage appointment with a specialist advisor in Essex. We’re available 7 days a week!
Once you’ve had an offer accepted on a property, your lender will need to make sure that the house is worth what you said that you’d pay for it. They will do this by performing a property survey on the house.
A property survey will also show the overall condition of a property. If the property is in poor condition needs lots of work doing on it, your lender may lower the original amount that they were going to offer you as their mortgage offer doesn’t match the property price.
From minor damages to repairs that need action taken on them straight away, a property survey will show everything you need to know about a home before you move in.
There are three main types of property survey:
Each survey type is different in how they work, pricing and how long they take to carry out. In some cases, your mortgage lender may include a free property survey in your offer. This entirely depends on the lender that you’ve used as not every lender will offer this service free of charge. If a survey is included within your deal, you may end up paying slightly more for set-up/arrangement fees etc.
Each survey works differently, for example, one survey may go more in-depth than another. If your survey report shows something about your property that you weren’t told about, by law you are allowed to approach the seller and work out an alternative price if necessary.
These are the simplest types of property surveys. Mortgage valuations are performed to measure how much a property is actually worth.
If a Mortgage Valuation is carried out and it’s found that the property is not worth the amount that you’ve agreed to pay for it, your lender may withdraw their offer as they’ll be lending you more than the property’s worth. You can either try and re-negotiate the price with the owner or pay the difference between the offer and how much the lender is now going to lend you. This situation is called a down valuation.
This survey is the cheapest property survey; however, it won’t go into much detail. The survey will focus on obvious repairs and defects such as structural damages. It will not, however, show small, minor damages on the property.
For a report with further detail, you’ll need to upgrade your survey. Although this may be costly, in the long run, this could be worth it as you may find out everything that needs preparing in your home before further damage is done.
A Homebuyer’s Report will determine how safe the property is to live in. The survey looks at issues such as mould, damp walls and ceilings or things that do not pass the current building laws.
The property will be examined from top to bottom, inside and out. The surveyors will look at everything. This process could take up to a day on a large property.
As a mortgage broker in Essex, we would always recommend a Full Structural Survey if you want a detailed report of the home that you’re buying. We would particularly advise those buying an older house to take up this survey too as it will highlight major repairs and damages in the property. Older buildings are more likely to come with defects and damages.
Although a Full Structural Survey is the most expensive property survey, it will provide you with the most information about the property. The report will go in-depth, highlight the overall condition of the property, and show what changes will need to be made if the property purchase goes through.
A Full Structural Survey can take as long as a whole day depending on the size of the property.
If you are buying a new build property, property surveys work a little different. You’d think that since the property is new, you wouldn’t have to get a property survey carried out on it, however, it’s always best to do one just in case.
There is a property survey designed for new builds called a Snagging Survey. This survey will break down the property’s overall condition, pointing out both minor and major issues. The survey can point out something as simple as a missing door hinge to a crack in the ceiling (which is unlikely to find in a new build).
If you’re moving into a new build that’s already been built, it would be wise to get a snagging survey carried out on the property before you move in. This will give you the power to negotiate pricing if there is anything wrong with the property.
If you’re struggling to choose a property survey, our mortgage advisors in Essex are always here to help!
Get in touch with our mortgage team. We’ve helped thousands of First Time Buyers in Essex and Home Movers in Essex choose the best property survey for their new home, let us help you next.
You can obtain the services of a surveyor to carry out a Homebuyers report or building survey through the Royal Institution of Chartered Surveyors.
If you haven’t checked on your mortgage payments and rates in a while, perhaps it’s time for a change. We are regularly approached by customers who are checking to see whether they can access a better mortgage rate or not, and the majority of the time… they can!
In fact, most applicants show that they’ve been able to access a better deal for much longer than expected; this is why you should get your mortgage reviewed, especially when it’s for free.
Firstly, a mortgage review is a simple look over your current mortgage situation and personal and financial circumstances to see whether you can access a better mortgage rate or not.
A mortgage review is carried out by your lender, building society or mortgage broker in Essex. The process will work similarly to the way your original mortgage process did, starting with your enquiry through to completion.
During the process, you will also have to supply evidential documents such as Identification, bank statements, payslips and proof of address. This will allow your mortgage situation to be evaluated effectively as you have documents to back up factors like your income and how you are managing your current mortgage payments.
If you go through the mortgage review process and it turns out that you can’t access a better rate or you’re already on the best rate, you should know that you won’t be charged at this point if you use our services. So, you should take advantage of our free mortgage review, just to get an idea of what your current mortgage situation is.
A mortgage review is always worth it if you end up being on a better rate from it. Even though you’ve already been through the process before, doing it again could save you lots of money, further down the line.
Getting a mortgage review from time to time (usually every time your fixed mortgage term ends), may prevent you from slipping onto your lender’s standard variable rate on interest (SVR). Their SVR can usually be quite high. It’s likely to be higher than your current rate, meaning that you may see your monthly mortgage payments go up by quite a bit.
If your mortgage review concludes that you can access a better rate, it’s now time to remortgage or transfer products. If your remortgage advisor in Essex can see that there are deals out there that you match the criteria to, they will try and pick one out that perfect for you through a remortgage or product transfer.
A remortgage is when you take out a new mortgage product with another lender and a product transfer is when you take out a new mortgage product with your existing lender. Either route will help you obtain a new mortgage deal at a new rate (hopefully more competitive!).
Taking out a new mortgage product and avoiding your lender’s SVR could save you a lot of money further down the line, and that’s why a mortgage review can be so important.
During your mortgage review, you may get the option to take out a new mortgage product and take equity out too. You can release equity from your property for home improvements, to pay off debt or to even go on holiday, it’s completely up to you what you do with the money.
Releasing equity is a specialist subject remember, so if you are looking for a new mortgage deal and wanting to release equity too, we would recommend that you speak to a mortgage broker in Essex, like ourselves.
For a free mortgage review in Essex, get in touch with our team today. We have helped thousands of customers in the past achieve a better mortgage rate, even when they thought that they couldn’t!
For expert mortgage advice in Essex, contact Essexmoneyman today; open 7 days a week.
Firstly, what is a remortgage? Remortgaging is simply switching to a new mortgage product. This can also be known as a product transfer. The difference between a remortgage and a product transfer is that when you remortgage, you change products and lenders, whereas when you complete a product transfer, you change mortgage products but stick with the same lender.
The reasons for people wanting to remortgage can be different, it all depends on what the homeowner wants. They may want to look for a better rate of interest, consolidate their debts, or raise capital for things such as home improvements.
In this article, we are going to focus on remortgaging/transferring products for home improvements.
Before you remortgage, you will have to work out the estimated costs for the home improvements. Home improvements could be anywhere from extensions to conversions, so depending on how you want to improve your home, the costs may increase.
Once you have worked out your estimated costs, they will be incorporated into your mortgage. This will slightly increase your overall monthly payments as you are now paying off your mortgage as well as your home improvements. In some cases, your payments may barely increase. Again, this all depends on the home improvements being carried out. As a Mortgage Broker in Essex, we’ve seen some customers go up by an extra £50, to an extra £200.
Estimated costs include:
We would also advise that you have some spare savings aside from the remortgage, as if things go wrong or the costs don’t quite add up, you may have to cover them.
The most common reason for people remortgaging for home improvements is to make more space. Whether it’s because they’re starting a family or just want a bit of extra room within their home, the whole process is easily done and it also saves you moving home in Essex.
Rather than going through the whole moving process, if you already love the home that you live in… why move? It often works out that it’s much cheaper to remain inside your current home too!
You can remortgage for various different types of home improvements, some include:
If you are thinking of improving your home and want to go down this route, feel free to get in touch with our team for remortgage advice in Essex. Whether it’s because you need more room or just because you want to modernise your home, there is always a good reason to remortgage.
Our team works 7 days a week, so make sure to get in touch whenever you want to have a chat about your remortgage options. There are other reasons to remortgage, so if you want to go down another route, we would be more than happy to help with that too.
No matter your mortgage situation, we are sure that you’ll find our mortgage advice service in Chelmsford extremely beneficial. In the past, we have helped thousands of First Time Buyers and Home Movers secure exceptional mortgage deals, and you’re next!
Our mortgage broker process condenses into four simple steps, each one bringing you closer to securing a great mortgage deal.
Step 1 – Once we get in touch with our team in Chelmsford, we will get a few bits of information from you so that we can paint the picture of your mortgage situation. After we have evaluated your details, we will assign you to one of our Mortgage Advisors in Chelmsford and get you booked in for a mortgage consultation with them.
Step 2 – You will undergo your free mortgage consultation with a dedicated Mortgage Advisor in Chelmsford. During the consultation, your Mortgage Advisor in Chelmsford will get to learn even more about your personal and financial situation. This new information will allow your advisor to start searching for mortgage deals that they think will suit you best as well as save you money.
Step 3 – After your free mortgage consultation, your Mortgage Advisor in Chelmsford will begin looking for a mortgage deal for you. They will look at your personal and financial situation and compare deals that will only do anything but benefit you. They will always be open and honest with you, so don’t hesitate to ask any questions if you need to.
Step 4 – Your Mortgage Advisor in Chelmsford will recommend a deal to you and if you are happy to proceed with the product, we can help you prepare your mortgage application and submit it for you. Once this is all sorted it’s now time to property hunt and search for your dream home!
We always aim to above and beyond for you, no matter your situation. We will hold your hand throughout the whole mortgage journey, making every stress-free and simple.
For individuals who are seeking a mortgage and have been declined by their bank, a mortgage broker can be a helpful resource. As a mortgage broker in Chelmsford, we will work with multiple lenders and can help identify potential mortgage products that may be a good fit for a borrower’s financial situation.
Unlike other Mortgage Brokers in Chelmsford, we work late so that you can get in touch at a time when you feel most comfortable. If you want a quick chat before work or afterward, not a problem, we are still open.
Receive a free mortgage consultation with one of our Mortgage Advisors in Chelmsford when you get in touch with your expert Mortgage Broker in Chelmsford from 8 am – 10 pm, 7 days a week. We can’t wait to hear from you!
In some cases, you are able to get two mortgages; sometimes you can get even more. Depending on an applicant’s situation and their reason for applying for another mortgage, a second mortgage should always be considered.
There are lots of different things to consider when applying for a second mortgage. You will have to have a valid reason why you are applying for a second mortgage, here are the most common reasons that we come across as a Mortgage Broker in Essex:
People who have built up equity in their home may want a second mortgage to release some of their equity to fund another purchase or something else. When people release equity for another mortgage, they could be doing it to fund a Buy to Let property, fund a deposit on a new home… it could be for a lot of different things.
When transferring equity onto another property, you must know that it’s like starting fresh. You will need to obtain another mortgage for the property that you are transferring equity to. If you are currently on your lender’s standard variable rate of interest (SVR) you should look around for different products, it’s likely that you’ll be able to access a competitive rate.
Whatever the reason is for you wanting to transfer equity to get a second mortgage, you should be aware that it can be a specialist subject and if you get things wrong, it could be costly down the line. This is why it could be within your best interests to approach a Mortgage Broker in Essex for mortgage advice. They will help you through the whole process and will even try and get you a great second mortgage deal to accompany your property.
It’s not unusual for people to move out of an existing property with plans to rent it out. Yes, they will have two mortgages, however, they will have some income coming in from the property’s tenants.
If you are looking at getting a second mortgage and Moving Home in Essex, you must know that your previous home is still a huge financial commitment. Before you are accepted for a second mortgage, your lender will have to confirm whether you will be able to afford two mortgages or not. They must be certain that if a tenant suddenly moves out, you’ll still be able to afford both sets of mortgage payments.
This works the same as a Buy to Let mortgage, however, since you are doing it the other way around, it’s known as a Let to Buy.
If parents see that their children are struggling to get onto the property ladder, they may sometimes gift their children a mortgage through a second mortgage.
Due to the rapid increase of homebuyer demand, parents are offering a helping hand to their children. It’s mostly struggling First Time Buyers in Essex that we see benefit from this situation the most, although, it could be home movers too.
It’s kind of like a gifted deposit, but the mortgage is in the parent’s name. Sometimes it’s grandparents who offer to help out too, it depends on your situation and whether you are lucky enough to be offered this option or not.
Similarly to Let to Buy, Buy to Let is owning a second mortgage on a property for the pure intent of renting it out. There is nothing wrong with doing this if you want to pursue your Buy to Let landlord journey. we have worked with thousands of Buy to Let landlords before so we know the process extremely well.
For Buy to Let Mortgage Advice in Essex, make sure to get in touch with our Buy to Let team, we know how to help!
Is your name linked to a mortgage on an existing property but you want to move out and get your own place? If so, you must know that it can be quite difficult to get your name removed from this mortgage deal, it may require Specialist Mortgage Advice in Essex.
Usually, this situation comes around when a relationship breaks down in the property. Whether it’s a friendship or a relationship, it’s always unfortunate when it happens. In situations like these, more often than not a Mortgage Broker in Essex like ourselves can help out.
If you want stress taking off your back or any help at all with securing two or more mortgages, make sure to get in touch with us. Trying to get one mortgage can be hard enough in some cases, never mind two or more!
We are here to help and will always have your best interests at heart. Speak to a Mortgage Advisor in Essex today.
Mortgage Advice in Chelmsford – Mortgage Advice in Basildon – Mortgage Advice in Harlow
The question that every First Time Buyer in Essex will ask… “should I rent or should I buy?”.
As opposed to putting them both up against each other, you should consider the pros and cons to both and then decide on which option suits you and your future best. Of course, everyone has their own different things going on in their life and that’s why you should consider both options. You don’t know which one will suit you best until you take a look at the main differences.
More often than not, especially if you are younger, parents will encourage you to invest in property sooner rather than later. There are pros to doing this, but there are cons too.
In terms of monthly payments, you’ll often find that paying for a mortgage will be cheaper than renting. The Bank of England’s interest rates may fluctuate from time to time, so your mortgage payments could change and go up.
There are ways around this though, for example, if you secure a fixed-rate mortgage, your payments will remain the same until your term is over. Here’s an overview of fixed-rate mortgages:
If you were renting, your payments may also change. With increasing maintenance costs and Buy to Let Mortgage interest rates, you may find that your landlord may bump up your rent. It’s unusual for a landlord to want less from you, it’s a rare situation.
As long as you can manage to keep up with your mortgage payments, you will always have that sense of security within a home. No one can force you to move out as you are the property owner.
Being a tenant leaves you with little protection against things like this, you can get asked to move out whenever your landlord wants you out. Yes, they will give you notice; however, you can’t really argue with them as it’s their property. Some landlords may consider your personal circumstances and give you a longer notice period, however, not every landlord is as lenient and you may have to move out as fast as you can. All of this worry doesn’t come with owning a home.
The property market loves to reshuffle things now and again, it’s often a surprise when it happens too – you never know when a market boom or crash is around the corner. It’s great news when you find out that your house is going to go up in value, however, this works both ways and unfortunately, your property price can also go down in value.
History suggests that even if you purchase a property during the very peak of the market, as long as you can afford to keep hold of the property, eventually property prices will go back up. During the credit crunch in 2008, sold values dipped dramatically. After a few years and backing from the government, the market shot back up and before you know it, property values had reached an all-time high.
If you are forced to sell your home at the wrong time, you may end up losing money. You may have to sell your home quickly because of a relationship breakdown, a reduction of income or another personal situation.
You shouldn’t rush into a property purchase; buying a home is a huge financial commitment and you should only go forward with one if you are ready to do so.
Considering your future capabilities of being able to afford your mortgage payments is always smart too. You can protect yourself from some of these things, for example, if you are unable to work due to an illness, you could look at Critical Illness cover to help down the line.
You can always get the help from a First Time Buyer Mortgage Advisor in Essex if you are unsure on whether or not to purchase a property over renting one.
Now that you know a little more about the pros and cons of buying a home, now let’s talk about renting in Essex. Depending on your situation, renting could be the best option for you. There are a lot of different questions to ask before rushing into renting.
Buying a home is a long-term investment, you should be thinking about where you can realistically see yourself in the next 5-10 years. Whereas, when you are renting, you can consider the fact that you can move out whenever you want. For example, you could have been renting, but saving for a mortgage in the background. Once you have saved up enough for your deposit or you receive a gifted deposit, you can move out whenever you want to and get your process started in Essex, you just have to give your notice.
If you can’t see yourself living within your particular area for a very long time, you should think about the idea of renting. There is no point in buying if living in a certain area is only a temporary part of your life.
When you are renting, your landlord should be responsible for any major repairs on the property. You will find that some landlords are better than others, for example, some may take their time in getting back to you, and some may be great and get right back to you. You should do your research and check out reviews before you go ahead with anything.
You will have to contribute to some repairs though. The major repairs should be handled by the landlord and minor repairs should be taken care of by you. In Essex, if you choose to buy a home you will have to take care of all of the repairs and damages inside of the property.
When deciding whether to buy or rent with a friend or family member, as a Mortgage Broker in Essex, we would recommend that you look at renting first. Renting is a fantastic and more beneficial option is this is the route that you want to go down.
If you get tied into a mortgage deal and get yourself financially linked with your friend(s)/family, it can cause problems down the line when you want to move on and out of the property. It’s not always as easy as it seems to get your name removed from a mortgage.
It can often require Specialist Mortgage Advice in Essex to get this sort of thing moving. So, if you are looking at renting or even purchasing with a friend(s) or family, you should seek out an expert advisor’s help to assist you along the way.
Now that you know some of the pros and cons to buying and renting, you should now weigh up your options. Which is right for you? Which will benefit you most? Where will you be in 5+ years’ time?
These are questions to consider during any big decision in your life. You could even make a list of the pros and cons, that seems to always help!
When it comes down to the numbers, the majority of people choose to buy over rent, they see it as an early opportunity to get themselves onto the property ladder. People would also rather the money go towards their own benefit rather than someone else’s.
If you need more renting vs buying advice in Essex, feel free to get in touch with our friendly team today and claim your free mortgage consultation.
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UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
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Essexmoneyman.com & Essexmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
