Welcome to Essexmoneyman, home of trusted Mortgage Advice in Basildon. As an experienced Mortgage Broker in Basildon, it is our job to offer both help and guidance through your entire mortgage journey. As a company, we have been working within the mortgage industry for over 20 years, and know exactly what to do in order to save both your time and money.
We know that the mortgage process can cause a lot of stress for customers, especially if you’ve never experienced it before. It is our aim to take away your stress and let you relax a little more, as we believe that you deserve to have an easy, smooth process with as few hurdles as possible. Combining our experience and mortgage knowledge, there is likely a situation we haven’t come across at least once before. Get in Touch and we’ll see how we are able to help.
It’s more common for First-Time Buyers in Essex to use a fast & friendly mortgage broker, however, even if you have done this before, you may still benefit from using our mortgage advice service in Basildon. We are able to search through thousands of mortgage deals across a vast panel of more than 30 lenders. Once we have processed your information, a trusted Mortgage Advisor in Basildon will begin the search to find the most appropriate deal for you. They will try to find a competitive mortgage deal that benefits you both personally and financially.
If you are reaching the end of your mortgage term and are looking to remortgage, approaching a Mortgage Broker in Basildon could work out being your best option. We are able to shop around, aiming to find you a more competitive mortgage deal than the one you’re currently on.
We are also able to provide assistance if you are looking at releasing equity in order to Remortgage for Home Improvements. Maybe you are trying to raise capital or want to Remortgage to pay off a credit card or loan, areas we are also able to help out with. Getting Remortgage Advice in Basildon could prove handy during the Remortgaging process. For a free initial remortgage consultation, Get in Touch with a Remortgage Advisor in Basildon.
As a Mortgage Broker in Basildon that works solely for you, we do not have any ties to estate agents, building societies or banks.
In our team, we have open & honest Mortgage Advisors in Basildon available from 8am-10pm, 7 days a week. We will work around your clock, booking you in for when best suits you. No matter your preference, we’ll always have someone free to have a chat with you.
We aim to make you feel secure and comfortable during every stage of the process, respecting you and your privacy, keeping everything strictly confidential.
We regularly get feedback on our mortgage advice service, which provides a great representation of their experience with us. Feel free to check out our amazing customer Reviews.
Each of our Mortgage Advisors in Basildon are experts in the world of mortgages. Being responsive, caring, open, honest, fast & friendly is what we do best.
We would definitely recommend that you take advantage of our free initial mortgage consultation; we can’t wait for you to Get in Touch with your Mortgage Broker in Basildon.
Our dedicated team of mortgage advisors are proud to present a high level of customer service we provide; it is at the heart of our company. Whether you are dealing with a mortgage advisor or an administrator, our team are here everyday of the week until late at night, helping answer any of your mortgage questions!
Give us a follow on Facebook and Twitter too! We often share news and mortgage tips from our website, so it is always worth checking up to see if there is something that could help you. If you have a mortgage enquiry, there is always someone monitoring messages and ready to respond.
Our team are here to assist you through the Remortgage process too. You already own the home, so no worrying about a property chain! We will get the process underway and completed as quickly as possible, so that you can go back to enjoying your life at home..
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.