Welcome to our home for Mortgage Advice in Braintree. It is our job as a trusted Mortgage Broker in Braintree to provide complete help and support throughout the entire mortgage process. We utilise over 20 years worth of knowledge and experience within the industry, in order to save both your time and money.
We know that the mortgage process can cause lots of stress and anxiety, especially if it’s your first mortgage experience. It is our aim to reduce your stress levels, as we firmly believe that you deserve to have a clear & simple process without any complications or obstacles. By putting together our experience and mortgage knowledge, we are confident that we will be able to help almost all customers through their mortgage journeys.
If your personal situation isn’t shown in the list above, try not to worry, as there is a chance that we have already encountered or solved a similar situation in the past. Do not hesitate to Get in Touch and speak to an responsive & affable mortgage advisor in Essex. We know that trying to continue your mortgage application when faced with a difficult hurdle can make you feel disheartened, so we are here to offer a helping hand. We will overcome these issues together.
It’s more common for First Time Buyers to use a broker, however, that doesn’t mean that you won’t benefit from using one if you have done this before. We have access to thousands of mortgage deals through our huge panel of more than 30 lenders. Once we have your information keyed into our system, a Mortgage Advisor in Braintree will begin searching for the perfect deal for you. They will try to find a competitive mortgage deal that will benefit your personal and financial situation.
If you are looking at taking out a Remortgage in Braintree, getting in touch with a dependable mortgage broker could be your safest option. We are able to shop around and try to find the right Remortgage deal for you, aiming to secure one that is better than your current deal.
We are also able to help if you’re looking to Remortgage for any potential home improvements, by way of Equity Release. If you are looking to raise capital or want to Remortgage to pay off a credit card or loan, we also specialise in that particular area. Getting Remortgage Advice in Braintree could be the catalyst that moves you onto a greater deal. For a free remortgage consultation, please feel free to Get in Touch with our dynamic Mortgage Advice team and we’ll get the ball rolling on your Remortgage.
We have no ties to estate agents, building societies or banks. Our reliable team will remain loyal to you throughout the mortgage process.
Our fast & friendly Mortgage Advisors in Braintree available from 8am-10pm, 7 days a week. We will always try to work around the time that you have. Don’t worry, there will always be someone you can have a chat with about your situation.
We want to ensure all our customers feel secure and comfortable during each stage of the mortgage process, which is why we will keep everything strictly confidential.
We truly do value our customer service; it’s at the heart of what we do. We are always receiving wonderful feedback on our mortgage advice service. You can read about their customer experience with us, by checking out our outstanding Reviews.
You’ll find that each member of our team is an expert across the board, with a wealth of knowledge and experience in the industry. Being responsive, caring, open and honest are qualities we’re proud of.
We highly recommend that you make use of our free mortgage consultation; we look forward to hearing from you!
Our experienced team of mortgage advisors take great pride in presenting a high level of customer service; it is at the heart of what we do. No matter if you're working with your assigned mortgage advisor or mortgage administrator, our team will remain here everyday of the week until late at night, helping answer your mortgage questions!
Make sure to give us a look on Facebook and Twitter too, as we often share news and handy guides from our website. There will always be something that could be of use to you. If you have a mortgage enquiry, we always have someone monitoring direct messages.
We are here to help with the Remortgage process too. Your home already belongs to you, so worries of a property chain are no more! We will get the process underway and completed as quick as we can, so that you can go back to enjoying your regular home life.
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.