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Mortgage Broker in Broomfield

& 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 Broomfield

& 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

Learn more about service for mortgage advice in Broomfield.

From the moment you reach out to us, until the completion of your mortgage and even beyond, we are here to guide and assist you. As a mortgage broker in Broomfield, we can offer a range of services:

  • Support for first-time buyers in Broomfield
  • Assistance for Broomfield residents looking to move home
  • Buy to Let services in Broomfield
  • Remortgage services in Broomfield
  • Mortgage options for Broomfield clients aged 50 and above
  • Specialist mortgage advice for unique circumstances in Broomfield

No matter what your mortgage objectives are, you’ll find it beneficial to speak with a certified mortgage advisor in Broomfield. They can evaluate the options in the market, ensuring you secure the most appropriate deal for your personal requirements.

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Popular Mortgage Scenarios in Broomfield

All of our customers receive a free mortgage appointment in Broomfield!

We recognise that the mortgage process can seem overwhelming, particularly for those venturing into home ownership in Broomfield for the first time.

As a mortgage broker in Broomfield, our main objective is to alleviate your concerns as much as possible, striving to make the mortgage process as seamless and straightforward for you!

Our team of skilled mortgage advisors in Broomfield, supported by a robust team of mortgage administrators, are dedicated to help you in accomplishing your mortgage objectives, no matter what your situation may be.

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Popular Mortgage Scenarios in Broomfield

First Time Buyer Mortgages in Broomfield

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Buying your first home in Broomfield can indeed seem overwhelming and intricate, especially when it comes to obtaining a mortgage.

Our team is committed to simplifying this process and reducing any stress by offering clear and understandable mortgage advice in Broomfield. Our goal is to make your journey smoother and ease any unnecessary tension.

During your consultation with us, our mortgage advisor will be able to give you an estimated figure of how much you might be able to borrow, providing you with a basic understanding of what to expect.

In addition, they can obtain an agreement in principle for you, an essential element when making offers on properties, within 24 hours of your first mortgage consultation.

Moving Home Mortgages in Broomfield

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A lot of folks think that relocating in Broomfield can be quite a nerve-racking experience, especially when a mortgage is part of the picture.

Luckily, for existing homeowners looking to progress in life, engaging a mortgage broker in Broomfield can notably lessen your worries.

Our objective is to navigate you through the mortgage process as speedily as possible, taking one weight off your mind while you sort out and prepare for your forthcoming move!

Buy to Let Mortgages in Broomfield

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For a considerable amount of time, we have been helping seasoned as well as novice landlords with their buy to let mortgages. Our mortgage advisors in Broomfield are extremely well-versed with the prerequisites of buy to let mortgages.

Generally, we find that numerous landlords we liaise with will reutilise our services in the future. They place their confidence in us to handle the mortgage elements of their buy to let properties, thereby diminishing their list of worries.

Remortgage in Broomfield

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Securing the best mortgage deal is always crucial, as it ensures you receive the most favourable terms. Given the likelihood of having committed to your mortgage for an extended period, it’s possible that rates, products, and even your personal situation may have shifted.

If you’re a Broomfield resident approaching the end of your current agreement, or contemplating a premature remortgage, we’re always prepared to assess your position. Our goal is to aid you in obtaining the most suitable deal for your requirements.

We’ve assisted clients with a variety of needs, such as home improvements, raising capital, getting a better deal, or consolidating their debts, to name a few. Regardless of your goal, a mortgage advisor in Broomfield is always on hand to provide advice.

Mortgages in Broomfield For Over 50s

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If you are a resident of Broomfield and aged 50 or more, you might qualify for an array of mortgage products specifically designed for homeowners and potential buyers who are entering their later years.

Several alternatives may be available to you, including hybrid mortgages, retirement interest only (RIO) mortgages, term interest only (TIO) mortgages, standard mortgages and remortgages, and even equity release in Broomfield (for those aged 55 and over).

Mortgages in Broomfield for individuals over 50 can be a highly specialised area. Hence, it’s crucial to engage in a discussion with a proficient and professional mortgage broker in Broomfield to fully understand the range of options open to you.

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Our Simple 4-Step Process

Take Advantage of our Book Online System

Step 1

Book a free appointment with our skilled mortgage advisors in Broomfield at a time that fits your agenda, using our easy-to-use and completely free online booking system.

Free Mortgage Appointment - Speak to an Expert

Step 2

When you make contact with us, we’ll connect you with one of our dedicated mortgage advisors in Broomfield. They’ll make sure to understand your financial situation thoroughly, assess your ability to afford the mortgage, and if applicable, secure a mortgage agreement in principle for you.

Finding a Suitable Product

Step 3

After your consultation with one of our mortgage advisors in Broomfield, they will meticulously search through a myriad of options to find the most advantageous deal for you. If you’re satisfied with the suggested choice, we’ll move forward with your mortgage application.

Let's Submit Your Application!

Step 4

As soon as your application is complete, it must be sent to the financial institution providing the loan. Our mortgage advisors in Broomfield will undertake this responsibility on your behalf and keep you updated on its status!

Reasons to Choose Us

Free Appointment in Broomfield

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If you’re in need of mortgage advice in Essex for a typical purchase enquiry, contemplating equity release via remortgaging or a product for later in life, curious about your insurance options, or have any other questions, we’re ready and willing to help you in the most efficient manner.

Our dedicated mortgage advisors in Essex are available to you all week long, from morning till night, providing you with the freedom to arrange a discussion at a time and date that suits you best!

1000s of Mortgage Deals

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As a mortgage broker in Essex, we have the ability to navigate through a myriad of mortgage options, inclusive of some highly particular mortgage packages, to pinpoint the best options for our clients.

We have a wealth of knowledge in dealing with a variety of home buying and mortgage scenarios. Our mortgage advisors are always up-to-date with the most recent mortgage lending criteria.

They are dedicated to doing all they can to aid you in obtaining the most advantageous agreement for your unique requirements!

Malcolm and Amy Davidson - Mortgage Advice in Essex

Common Mortgage Questions in Broomfield

What do I need to buy my first home in Broomfield?

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Kickstarting your property hunt in Broomfield? Here’s what you’ll need:

  • A 5% deposit, which could be from your savings, property equity, or a kind gift from a family member.
  • An agreement in principle for a mortgage, secured from a Broomfield mortgage advisor.

When you’re prepared to submit your first mortgage application, the following will be required:

  • Identification, such as a passport or driving licence.
  • A recent document that verifies your address.
  • Evidence of your earnings over the last three months.
  • Bank statements for the previous three months.
  • Proof of your deposit, like statements from your savings account.
  • A credit report could be useful too.

You’ll be working alongside:

  • A mortgage broker in Broomfield, who operates independently and isn’t tied to a bank or estate agent.
  • An estate agent, to whom you’ll need to provide your ID and mortgage agreement.
  • A conveyancer or solicitor, and we can help you in locating one.
  • A surveyor, if needed, and we can offer help in this regard too.

Our devoted mortgage team will accompany you at every stage. You’ll have a dedicated case manager to answer any queries you might have.

Can I port my existing mortgage to a new property in Broomfield?

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If you presently hold a fixed-rate mortgage, most mortgage providers allow you to transfer this to a new home.

Our team of mortgage advisors in Broomfield are available to guide you through this process, helping you in understanding your options and any costs involved with additional borrowing.

The porting process usually requires you to meet the requirements set by your existing mortgage lender, so a new application is still necessary.

If you don’t possess a fixed rate, it could be beneficial to investigate the market for possible savings.

How many buy to let mortgages in Broomfield can I have?

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The upper limit for buy to let mortgages isn’t set in stone; it can vary greatly with some customers holding numerous, while others may only have a handful.

Whether you acquire properties on your own, in partnership, or through a limited company, the number of mortgages you can hold is generally unlimited, provided you meet the criteria set out by your mortgage provider.

The amount you decide to take on largely hinges on your tolerance for risk and your future goals.

These could encompass creating a pension income, replacing salary earnings, capitalising on property value growth, or building up an asset for future generations in Broomfield.

When should I look to remortgage in Broomfield?

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You are free to consider remortgaging at any time, as long as you’re not tied into a fixed rate contract or if your property isn’t currently mortgaged.

If you have a fixed rate mortgage, it’s generally advised to think about remortgaging around 6 months before your current deal concludes. However, should you need to remortgage during a fixed rate term, it’s feasible, but bear in mind there may be early repayment charges.

In these instances, our mortgage advisors in Broomfield can explore alternative solutions like a second charge mortgage (secured loan) or an extra advance from your current lender to find the most cost-effective option for you.

Can I get a mortgage in Broomfield if I'm aged over 50?

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Despite common misconceptions, there’s a broad range of mortgage alternatives available for people aged 50 and above.

As an independent mortgage broker in Essex, our niche is providing mortgage guidance in Broomfield, specifically designed for those seeking mortgages in their later years. Here are the key areas we can assist you with:

  • Over 50s remortgaging
  • Property procurement for over 50s
  • Capital liberation for over 50s
  • Support with poor credit and debt consolidation for over 50s

If your circumstances don’t fit into the above categories, please feel free to contact us. We’re here to offer assistance in any way possible.

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Foundation Home Loans & 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

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