Mortgage Broker in Billericay | Mortgage Advice in Billericay

Mortgage Broker in Billericay

Free Mortgage Appointment in Billericay

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We can search 1000s of mortgage deals in Billericay, trying to find the best one for your personal and financial situation.

To speak with a Mortgage Advisor in Billericay, book your FREE mortgage appointment online or give us a call on 01245 847678.

Book Online

To speak with a Mortgage Advisor in Billericay, book your FREE mortgage appointment online or give us a call on 01245 847678.

Malcoms Image

We can search 1000s of mortgage deals in Billericay, trying to find the best one for your personal and financial situation.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Reviews Stars5.00 Rating3 Reviews

Mortgage Advice in Billericay – Open & Honest Advice

Welcome to our website! We are a Mortgage Broker in Billericay and our job is to help you through the whole mortgage process. From your initial appointment to the point where your application is accepted, we will be right by your side every step of the way.

 

In Billericay, we deal with all different types of mortgage situations. A few examples include First Time Buyers, Home Movers, Landlords, and those looking to Remortgage. There are many other types that we cover; follow our “Get Started” appointment booking system to see whether we can help!

Free Mortgage Appointment

Every customer benefits from a free mortgage consultation where they will get to speak with a Mortgage Advisor in Billericay. This advisor will specialise in your situation so that you receive the best service and advice possible.

 

You will be able to pick your own date and time for your mortgage appointment. We have weekdays and weekends available for your selection. Pick your preferred slot that suits your personal and working life.

 

From the get-go, your Mortgage Advisor in Billericay will be right by your side to support and guide you through your journey. All you need to do is get started and get in touch today.

Your Mortgage Options in Billericay

Our team work with all different types of mortgages, here are our most popular:

First Time Buyer Mortgages in Billericay

It can be difficult to know where to start as a First Time Buyer. Do you start viewing properties first, do you get in touch with Mortgage Broker in Billericay? It’s up to you! However, we would definitely recommend speaking to a broker before starting anything to make yourself aware of the process and how it all works. It can be stressful and we want to do our best to try and help you through it all!

 

First of all, we will get some bits of information from you to work out what sort of deals you may be able to access and what your affordability is like. We will then be able to go away and search for the perfect deal for you and your individual circumstances.

 

A huge part of the First Time Buyer mortgage process is raising money for the deposit. If you are struggling with this part of the process, you may need to look at some of the government schemes available to you. Some of these schemes include the Help to Buy Equity Loan, Lifetime ISA, and Shared Ownership.

Moving Home Mortgages in Billericay

When you are Moving Home in Billericay, the process will be very similar to your first home buying experience. Only this time around you will be selling too!

 

Trying to buy and sell a home at the same time can be very stressful. Our job is to take some of the stress off your shoulders and handle all of the mortgage side of the process. We have been doing this for over 20 years now and we know exactly how it feels to be in your situation.

 

There are lots of different reasons why you may want to move home. If you are wanting to purchase a larger property, you will need to check your affordability prior to taking viewings and making offers. We can help you with this and work out your budget so that you have an understanding of what properties you can afford in Billericay.

Buy to Let Mortgages in Billericay

New landlords with minimum experience in the sector can sometimes have a tough time starting their mortgage application. This is usually down to their deposit amount or the fact that they do not have an existing portfolio to demonstrate their ability to afford a Buy to Let mortgage.

 

You will also have to know that most Buy to Let mortgages require a 25%-40% deposit. This is usually towards the upper end of the scale for first time buyer landlords. If you have an existing portfolio, you may find that you require less deposit. This all depends on your portfolio and affordability.

 

We have long withstanding relationships with local landlords around the Essex, Billericay area and you could be next. If you have an existing portfolio and need help finding a great mortgage product for your new Buy to Let, we would be more than happy to help.

 

We work with other Buy to Let options such as HMOs, Holiday Lets, Let to Buys and many more. Talk to your dedicated Mortgage Advisor in Billericay to discuss all of your Buy to Let options.

Remortgaging in Billericay

As you approach the end of your fixed mortgage term, you should start thinking about remortgaging. Remortgaging allows you to switch to a new mortgage product and avoid paying your lender’s standard variable rate of interest (which is likely higher than your current rate). Our job is to help you remortgage and find you a competitive product that suits your personal and financial situation.

 

You may not want to remortgage to find a better rate, you may want to remortgage for another reason. You may want to look at remortgaging to fund home improvements, release equity or to consolidate debt into your mortgage.

 

If you are a Self Employed applicant, this process will be exactly the same, however, you will need to supply further documentation to evidence your income. Your Mortgage Advisor in Billericay will tell you everything that you need prior to submitting your formal application. Get in touch for a free mortgage appointment for more details.

Why Choose us as your Mortgage Broker in Billericay?

Our team of Mortgage Advisors in Billericay are able to search 1000s of deals across many different lenders. They offer both high street and specialist products. Banks and building societies will only be able to access their in-house products.

 

We love helping you and aim to be as responsive as possible at all times. We don’t like you waiting around for an answer, so we make sure that we are available 7 days a week. All that you have to do and give us a call or enquire online!

 

Many customers have loved their experience with us. Take a look at our brilliant 5-star reviews and see if one of our previous customers has been through a similar situation to you.

Our Simple 4-Step Process

Book online by choosing an appropriate date and time for your free mortgage appointment in Billericay.

 

Once you’ve had your appointment confirmed, a Mortgage Advisor in Billericay will be in touch to get some further details from you and assess your affordability. They will also prepare your Agreement in Principle.

 

Your advisor can then go and try and find you the perfect mortgage product based on the information that you have provided us with. If they find you the perfect mortgage product, it is your choice whether you want to continue with it or not.

 

Once you choose to continue, we will prepare your mortgage application with you and then get ready to submit it. It’s that simple!

Have you been declined by your bank?

In some cases, we have found that customers have previously been declined by their bank or building society and have reached out to us for help. This is not a problem! It is our job to try and help you through the mortgage process and get by these mortgage hurdles that you encounter. If you have been declined by your bank, there may still be ways to get a mortgage, for example, you may need to consider specialist products and put down a higher deposit.

 

If you are confused as to why your mortgage application has been declined, we can try and find the problem. It could be down to poor credit, a fault in your application, affordability or something different. We strongly recommend that you improve on these to avoid your current and any future credit applications.

 

Getting Mortgage Advice in Billericay could be your best option if you are struggling to progress your mortgage application. As a Mortgage Broker in Billericay, we will do our best to try and find you a competitive mortgage product that is tailored to your personal and financial situation. We are only one call away, so don’t hesitate to get in touch with our team.

We search 1000's of mortgage deals across a large number of lenders, including:

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Book Online

You can now book online via our 'Get Started' process. This allows you to choose your own date and time, during the morning or late in the evening.

Mortgage Broker in Billericay on Social Media

We often share mortgage guides, tips, videos and advice across our socials channels. Give us a follow to keep updated with the latest news in the mortgage market.

Remortgage Advice in Billericay

We are also here to help you find the perfect Remortgage product. We can access 1000s of Remortgage products to try and find the right one for you!

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.

Essexmoneyman.com & Essexemoneyman 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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk


Essexmoneyman, Elizabeth House, 28 Baddow Road, Chelmsford, Essex, CM2 0DG.

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