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Mortgage Broker in Braintree

Fast and Friendly Mortgage Advice in Braintree

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

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

Book Online

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

Malcoms Image

We can search 1000s of mortgage deals in Braintree, 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 Braintree – Open & Honest Advice

Welcome to our new homepage for Mortgage Advice in Braintree. We are a Mortgage Broker in Braintree and our job is to help you get through the whole mortgage process, from start to finish.

 

We work with many different types of mortgage applicants; First Time Buyers, Home Movers, Landlords, those looking to Remortgage and the Self Employed, we are here to help. Our huge panel of mortgage lenders each hold 1000s of unique deals that we can access. It will be your Mortgage Advisor in Braintree who will try and pick out one of these deals for you that matches your personal and financial situation.

 

If you want to speak with a Mortgage Advisor in Braintree, you can book a free mortgage appointment online and choose your own date and time. We have slots available 7 days a week, both early mornings and evenings are available. When booking online, you will be assigned to an advisor based on the information that you have provided.

 

In a competitive market, it can be difficult to even know where to start your mortgage process. Using a Mortgage Broker in Braintree will allow you to get a head start; from the get-go, we will keep you in the loop, help you prepare your document trail for evidencing your affordability, answer any questions that you have and make sure that you feel comfortable and secure at all times.

Your Mortgage Options in Braintree

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

First Time Buyer Mortgages in Braintree

Being a First Time Buyer in this day and age can be tricky, where on earth do you start? We are here to help you start your mortgage process, all you have to do is get in touch and book your free mortgage appointment to speak with a First Time Buyer Mortgage Advisor in Braintree.

 

We will take some details from you regarding your personal and financial situation, then we will be able to perform an affordability assessment to measure what sort of deals you’ll be able to access. Following your appointment, your advisor will try to find the perfect deal for you and also arrange an Agreement in Principle for you within 24-hours. Ask as many questions as you want to, no question is a stupid question!

 

If you are struggling to save up for your deposit in Braintree, you should consider utilising the government schemes available, such as the Help to Buy Equity Loan, Shared Ownership or the Lifetime ISA.

Moving Home Mortgages in Braintree

If you’re Moving Home and looking for a mortgage in Braintree, the process is very similar to the first time around, although, this time you are not only buying, you are selling too. The responsibility of taking care of two properties can be stressful, particularly on the mortgage side of the process. This is why we want to offer a helping hand and take care of the mortgage side of the process.

 

There are many different reasons why you could want to move home, if it’s for a bigger space you may 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 Braintree.

Buy to Let Mortgages in Braintree

We have been helping Buy to Let landlords for the previous 20 years; over time we have developed strong, long-lasting relationships with many of them. Whether you are a First Time Buyer Landlord or have an existing portfolio, we want to be able to help you next.

 

There are many different Buy to Let mortgage options, you could opt for a HMO, Holiday Let, Let to Buy or something else, it is completely up to you. Talk to your dedicated Mortgage Advisor in Braintree to discuss all of your Buy to Let options.

Remortgaging in Braintree

When you are coming to the end of your fixed mortgage term, it is time to Remortgage. Remortgaging switches you onto another mortgage deal to avoid falling onto your lender’s standard variable rate of interest. We can help you search the market for competitive rates and products to switch on to. If you have kept up to date with your repayments, these competitive rates may become available to you.

 

There are other methods of Remortgaging when you come to the end of your fixed term. You can also Remortgage for home improvements, to release equity and to consolidate debt into your mortgage.

 

When you’re Self Employed, this process will be the same in all scenarios, however, you will need to supply further documentation to evidence your income. Your Mortgage Advisor in Braintree will run through exactly what you need and measure your affordability during your free mortgage appointment.

Why Choose us as your Mortgage Broker in Braintree?

Unlike a bank or building society, we are able to search 1000s of deals through various different lenders, whereas they will only be able to access their in-house products. Another difference between a Mortgage Broker in Braintree and your bank or building society is that we are responsive and will not leave you waiting around for an answer. We are available 7 days a week, all you have to do is book online or give us a call!

 

We want every customer to have a fantastic experience with us. This means going above and beyond for every person that reaches out to us for help. Take a look at our brilliant reviews to find out more.

Our Simple 4-Step Process

Follow our online booking process and pick a date and time that suits you best.

 

You’ll be paired with your own dedicated Mortgage Advisor in Braintree, they will take further details off you, assess your affordability and be able to prepare you an Agreement in Principle.

 

Your advisor will then be able to find you a perfect mortgage product. If you want to continue with your deal, we can begin to prepare your mortgage application.

 

If everything looks good on both ends, we can submit your mortgage application to the lender. It’s that simple!

Have you been declined by your bank?

If you have been declined by your bank and are looking for the help of a Mortgage Broker in Braintree, we can help! We would also recommend that you do not keep applying to lots of different banks, as the more times that you are declined, the worse effect it will have on your credit score.

 

There is always a reason why you have been declined, and we can help you find it. This could be due to poor credit, a fault in your application, affordability or something different. We would always recommend trying to improve on these to avoid your current and any future credit applications.

 

We can never guarantee someone a mortgage, however, we can try our best to find a product that matches your personal and financial situation. As your Mortgage Broker in Braintree, we will also be open and honest with you, if we cannot find you a suitable deal and you cannot obtain a mortgage, we will tell you so and give you tips on how you can improve your application in the near future.

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 Braintree 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 Braintree

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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