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Mortgage Broker in Billericay

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

01245 847678Speak to an Advisor - It's Free!

Mortgage Broker in Billericay

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Speak to an Advisor - It's Free! 01245 847678

Providing expert mortgage advice in Billericay

Welcome to our website! We are a mortgage broker in Essex and 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!



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.

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Popular Mortgage Scenarios in Billericay

All of our customers receive a free mortgage appointment!

Our team of mortgage advisors in Essex and 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. 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!



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.

Our Reviews

Popular Mortgage Scenarios in Billericay

First Time Buyer in Billericay

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It can be difficult to know where to start as a first time buyers in Essex and Billericay. 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 in Billericay

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When you are moving home in Essex and 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 in Billericay

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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 mortgage in Essex and Billericay. 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

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As you approach the end of your fixed mortgage term, you should start thinking about remortgage in Essex and Billericay. 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.

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Our Simple 4-Step Process

Take Advantage of our Book Online System

Step 1

Schedule an appointment with one of our experienced mortgage advisors in Essex and Billericay at a time and date that works best for you, using our convenient and free online booking system.

Free Mortgage Appointment - Speak to an Expert

Step 2

When you reach out to us, you’ll be connected with one of our knowledgeable mortgage advisors in Essex and Billericay. They’ll get a clear understanding of your financial situation and assess your affordability, and also provide you with an Agreement in Principle.

Finding a Suitable Product

Step 3

Upon completion of your appointment with one of our mortgage advisors in Essex and Billericay, they will scour through thousands of options to find the best deal for you. If you approve of their recommendation, we’ll proceed with the processing of your mortgage application.

Let's Submit Your Application!

Step 4

Upon completion of your application, it must be sent to the lender, our mortgage advisors in Essex and Billericay can take care of that for you.

Reasons to Choose us

Free Appointment in Billericay

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If you are seeking guidance regarding mortgage advice in the Billericay area, looking to release equity, or interested in insurance products, we are eager to help you find the information you need.



Our team is well-equipped to provide you with valuable insights and recommendations that cater to your specific needs and circumstances. Please don’t hesitate to contact our mortgage advisors in Billericay for assistance, as we are more than happy to help.

We Search 1000s of Deals

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Our team of experts searches through thousands of deals, some of which include highly specialise mortgage products, to find the best possible options for our customers.



Rest assured that our extensive experience and knowledge allow us to provide exceptional mortgage advice to customers from all walks of life, regardless of their unique financial situations.



We are committed to helping you navigate the complex world of mortgages and ensuring that you make the best possible decisions. Please feel free to contact us for guidance, as we would be more than happy to help you in any way we can.

Malcolm and Amy Davidson - Mortgage Advice in Essex

Common Mortgage Questions in Billericay

Have you been declined by your bank?

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If you have been declined by your bank and need a mortgage broker in Billericay, our team may help. Avoid applying with multiple lenders as it can affect your credit score.



Our team will help you find out why the bank declined you, and suggest ways to improve your credit. We’ll work to find the best deal for you, but if we can’t, we’ll give you advice on how to improve your application in the future. We provide open and honest mortgage advice in Billericay to every customer.

How do I transact with my Mortgage Broker in Billericay?

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Our mortgage experts offer a free initial appointment to help you. If you need mortgage advice outside of normal working hours, our dedicated mortgage advisors in Billericay are available until late. Call us and we’ll do our best to assist you.

Why shouldn’t I go to my bank for mortgage advice in Billericay?

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Bank mortgage advisors can only offer products from their own lender, and it can be difficult to get an appointment with them, which can be frustrating if you’re actively looking at properties.



A professional mortgage broker in Billericay can help by comparing deals from a large number of lenders on their panel, some with specialist products.



We have extensive experience and knowledge in providing mortgage advice in Billericay to customers with a variety of situations.

Will I be able to get a second mortgage in Billericay?

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A second mortgage on your home can be an option for debt consolidation or home improvements. If you’re considering taking out a mortgage on a second property, whether for personal use, a family member, a holiday home, or a buy to let investment, it may also be possible.

I'm Self Employed in Billericay, can I get a mortgage?

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After submitting at least one year’s accounts, you may be eligible for a mortgage. Most lenders calculate the maximum mortgage amount based on your salary and dividends, while some may use your net profit instead.

How does the free initial mortgage appointment work?

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Our mortgage advice team in Billericay offers a free mortgage appointment that lasts about 30 minutes to an hour. After that, your mortgage advisor in Billericay will recommend a mortgage for you with no obligation to proceed, and you can decide whether to take it or not.

When should I obtain an Agreement in Principle?

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We recommend that home buyers in Billericay obtain an Agreement in Principle (AIP) before viewing properties. At the very least, you should obtain an AIP before making an offer to improve your bargaining position with a seller.

How does an Agreement in Principle last?

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The duration of an Agreement in Principle typically ranges from 30 to 90 days, depending on the lender. If your Agreement in Principle expires, our mortgage advisors in Billericay can always have it refreshed for you.

We Search 1000s of Mortgages in Billericay

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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

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Speak to an Advisor – It’s Free!
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