Read our Reviews
I cannot praise this team enough, they have been amazing. Especially Tom who went above and beyond to sort out my really complex mortgage and get me a deal which meant I could move to my new house. I would thoroughly recommend Essexmoneyman, they...
We shopped around trying to find the best deal, should have come straight to Essexmoneyman, Nathan and Laura found me a perfect mortgage. When we had picked our product, they were speedy in ensuring they processed our applications quickly and taking...
Matt and anna made the whole process super easy during the pandemic. as first time buyers we were worried but they made sure we were able to enjoy our first home together. thank you !!
Welcome to Essexmoneyman, your online hub for Mortgage Advice in Brentwood. As a company with many years of working as a renowned Mortgage Broker in Brentwood, our job is to give you our complete help and support through your mortgage process. We have been working within the mortgage industry for over 20 years now, and we know a thing or two about saving both time and money!
We know that the mortgage process can cause bouts of stress and anxiety, especially if it’s your first mortgage experience. It’s our goal to reduce this stress, as we feel you deserve to have an easy, smooth process without anything getting in your way. Combining our experience and mortgage knowledge, we have confidence that we will be able to help you throughout the mortgage process, no matter what situation you find yourself in.
If your personal situation isn’t mentioned above, don’t worry, it is still more than likely that we have already seen something like this in the past. We know how hard it can be to continue your mortgage application when faced with an obscure problem, that’s why we are here to offer a helping hand so we can get over these hurdles as a team. Please feel free to Get in Touch.
It’s more common for First-Time Buyers to use a broker, however, even those looking to Remortgage may still find it to be beneficial. We have the ability to access thousands of mortgage deals through our vast panel of mortgage lenders. Once we have put your information on our system, a trusted Mortgage Advisor in Brentwood will be able to start their search for the most suitable deal for you. They will try to find a competitive mortgage deal that will benefit you personally and financially.
When it comes to the Remortgage process, our team will be able to shop around & find you a more favourable Remortgage deal, aiming to secure one that is better than your current deal. This of course, is incredibly beneficial to you.
If you’re looking at the possibility to Remortgage for home improvements, this is something we may be able to help with. We may also be able to help if you are trying to raise capital or want to Remortgage to pay off a credit card or loan, as these are areas we also specialise in. Getting Remortgage Advice in Brentwood could be very helpful during your Remortgage process. For a free initial Remortgage consultation, Get in Touch with a diligent Remortgage Advisor in Brentwood.
We will only work for you and not the estate agents, building societies or banks. We have dedicated Mortgage Advisors in Brentwood available from all throughout the week, 7 days, from 8am-10pm. We aim to work around times that are best for you and your schedule. Don’t worry, there will always be someone here to pick up the phone and talk about your situation.
We want you to feel secure and comfortable during every stage of the process, and that’s why we keep the whole process strictly confidential.
Customer service is at the heart of our business, we pride ourselves on offering it to a high level. We get feedback on a regular basis about our mortgage advice service. To see what people have said about their experience with us, feel free to check out our brilliant customer reviews.
Every one of our knowledgeable and skilful Mortgage Advisors in Brentwood are experts in every mortgage department. Being responsive, caring, open and honest is something we believe ourselves to be best at.
We definitely recommend that you take advantage of our free mortgage consultation; we can’t wait to hear from you. Get in Touch with your Mortgage Broker in Brentwood today.
As a company, we are proud of the level of customer service we provide. Whether you are dealing with one of our reliable mortgage advisors or an administrators, we are here all throughout the week until late at night, supporting you and you and answering your mortgage questions!!
Check us out on Facebook and Twitter too, as we regularly share market updates and mortgage guides from our website. There will always be something that could help you. If you have a mortgage enquiry, we always have someone ready to respond to any messages in our inbox.
We are able to help you through the Remortgage process too. At this point you already own the home, so no more property chain woes! We will get the process underway and completed as quickly as we can, so that you can go back to enjoy your life at home..
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.