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Mortgage Broker in Braintree

& 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 Braintree

& 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 Braintree

Welcome to our new homepage for mortgage advice in Essex and 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.

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Popular Mortgage Scenarios in Braintree

All of our customers receive a free mortgage appointment!

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 Essex and 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. 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!



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.

Our Reviews

Popular Mortgage Scenarios in Braintree

First Time Buyer in Braintree

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Being a first time buyers in Essex and Braintree, 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 in Braintree

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If you’re moving home in Essex or Braintree 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 in Braintree

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We have been helpingbuy to let mortgage in Essex and Braintree 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

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When you are coming to the end of your fixed mortgage term, it is time to remortgage in Essex and Braintree.



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.

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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 Braintree 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 Braintree. 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 Braintree, 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 Braintree can take care of that for you.

Reasons to Choose us

Free Appointment in Braintree

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If you are seeking guidance regarding mortgage advice in the Braintree 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 Braintree 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 Braintree

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 Braintree, 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 Braintree to every customer.

How do I transact with my mortgage broker in Braintree?

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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 Colchester 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 Braintree?

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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 Braintree 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 Braintree to customers with a variety of situations.

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

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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 Braintree, 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 Braintree offers a free mortgage appointment that lasts about 30 minutes to an hour. After that, your mortgage advisor in Braintree 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 Braintree 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 Braintree can always have it refreshed for you.

We Search 1000s of Mortgages in Braintree

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

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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