Speak to an Advisor 7 days, 8am - 10pm
Speak to an Advisor 7 days, 8am - 10pm
& Surrounding Areas
Speak with a mortgage advisor 7 days a week, 8am - 10pm
01245 847678Speak to an Advisor
& Surrounding Areas
Speak with a mortgage advisor 7 days a week, 8am - 10pm
Speak to an Advisor 01245 847678From the moment you reach out to us, until the completion of your mortgage and even after, we are here to guide and help you. As a mortgage broker in Earls Colne, we offer a range of services, including:
No matter your mortgage objectives, you’ll find it beneficial to speak with a certified mortgage advisor in Earls Colne. They can compare the various options in the market, ensuring you secure the most appropriate deal for your specific requirements.
We realise that the mortgage process can seem overwhelming, particularly for those who are venturing into home ownership for the first time in Earls Colne.
As a mortgage broker in Earls Colne, our main objective is to ease your concerns to the maximum extent and strive to ensure a seamless and stress-free mortgage procedure for you!
Our team of seasoned mortgage advisors in Earls Colne, supported by a robust team of mortgage administrators, are dedicated to assisting you in fulfilling your mortgage aspirations, regardless of your situation.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Acquiring your first property in Earls Colne may seem intimidating and intricate, especially when it involves obtaining a mortgage.
Our dedicated team is committed to simplifying this process and reducing any stress by offering clear, understandable mortgage guidance in Earls Colne. Our goal is to make your journey smoother and ease any unnecessary burdens.
During your engagement with us, our mortgage advisor will be able to give you an approximate estimate of the sum you could potentially borrow, providing you with a broad understanding of what to expect.
In addition, they can obtain a mortgage agreement in principle for you, an essential element when making offers on properties, within 24 hours of your initial mortgage consultation.
Moving home within Earls Colne is often perceived as a highly nerve-wracking process, especially when a mortgage is involved.
However, for existing property owners looking to progress, engaging a mortgage broker in Earls Colne can notably alleviate your anxiety.
Our objective is to help you in navigating the mortgage process efficiently, lightening your load as you arrange and prepare for your forthcoming relocation!
For quite some time now, we’ve been assisting landlords, both seasoned and novice, with their buy to let mortgages. Our mortgage advisors in Earls Colne are extremely well-versed in the intricacies of buy to let mortgages.
Usually, we find that a good number of landlords we work with will choose to utilise our services again in the future. They place their trust in us to handle the mortgage-related aspects of their buy to let properties, thereby alleviating some of their worries.
Securing the most suitable mortgage deal is crucial, as it ensures you receive the most favourable terms. You’ve likely entered into your mortgage for a considerable length of time, during which rates, products, and even your personal situation may have altered.
If you’re a Earls Colne resident approaching the end of your current agreement or contemplating an early remortgage, we’re always prepared to assess your circumstances. Our goal is to help you in obtaining the most suitable deal tailored to your requirements.
We’ve supported clients with diverse needs, from home improvements and capital raising to securing a superior deal or consolidating debts, among other things. Whatever your goal, a mortgage advisor in Earls Colne is always on hand to provide advice.
If you’re a resident of Earls Colne aged 50 or above, you might qualify for a selection of mortgage products designed specifically for homeowners and potential buyers entering their later years.
There are numerous possibilities you could consider, such as mixed mortgages, retirement interest only (RIO) mortgages, term interest only (TIO) mortgages, regular mortgages and remortgages, and even the option of equity release in Earls Colne (for those aged 55 and over).
Mortgages in Earls Colne for individuals over 50 can be a highly specialised area. For this reason, it’s crucial to have a conversation with a skilled and professional mortgage broker in Earls Colne to fully understand the range of options open to you.
Our Customers Love Us
5.00 Rating5 Reviews
Evan
Couldn’t be happier with the service from Jason and Stacey. Very professional and so helpful. Highly recommend this company. Thanks for everything
1 month ago
Richard
Very good service and excellent communication - definitely recommended
1 year ago
Shane
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...
2 years ago
Shane
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...
5 years ago
Imogen
We shopped around trying to find the most suitable 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...
2 years ago
Imogen
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...
5 years ago
Jim
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 !!
2 years ago
Jim
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 !!
5 years ago
Book a free meeting with one of our seasoned mortgage advisors in Earls Colne at a time that aligns with your timetable, using our easy-to-navigate and completely free online booking system.
When you reach out to us, we’ll connect you with one of our dedicated mortgage advisors in Earls Colne. They will take the necessary time to understand your financial situation thoroughly, assess your borrowing capacity and, if applicable, secure an agreement in principle.
After your consultation with one of our mortgage specialists in Earls Colne, they will meticulously search through numerous options to find the most advantageous deal for you. If you’re satisfied with the suggested solution, we’ll move forward with your mortgage application.
After you’ve completed your application, it’s then submitted to the loan provider. Our mortgage advisors in Earls Colne will take care of this for you and keep you updated on its status!
If you’re in need of mortgage advice in Essex for a typical purchase enquiry, contemplating equity withdrawal via remortgaging or a product for your later years, keen to delve into your insurance options, or have any other questions, we’re ready to support you in the most efficient manner.
Our dedicated team of mortgage advisors in Essex are available to you all week long, from sunrise to sunset, providing you with the ease of arranging a discussion at a date and time that suits you best!
As a mortgage broker in Essex, we have the ability to navigate through thousands of varying mortgage deals, including some very unique mortgage options, to pinpoint the best selections for our clients.
We hold a wealth of knowledge in managing a wide range 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 assist you in obtaining the most beneficial deal tailored to your individual needs!
Initiating your property hunt in Earls Colne, you would need:
When you’re prepared to submit your first mortgage application, the following will be required:
You’ll be partnering with:
Our committed mortgage team will accompany you throughout the process. A personal case manager will be assigned to you to address any queries you might have.
If you presently hold a fixed-rate mortgage, most mortgage providers allow you to transfer this to a new house.
Our team of mortgage advisors in Earls Colne are available to help you with this procedure, guiding you through your choices and helping you understand any costs related to additional borrowing.
The porting process usually requires you to meet the conditions stipulated by your existing mortgage lender, hence a new application is still necessary.
If you don’t possess a fixed rate, it could be beneficial to investigate the market for potential savings.
The maximum limit for buy to let mortgages isn’t set in stone; some customers might own hundreds, while others might only hold a handful.
Whether you buy properties on your own, in partnership, or through a limited company in Earls Colne, the amount of mortgages you can have is generally not limited, provided you meet the criteria established by your mortgage provider.
The number of mortgages you decide to take on is largely influenced by your risk tolerance and your future goals.
These could be creating a pension income, replacing employment income, capitalising on property value growth, or building up an asset for the benefit of future generations.
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 is entirely mortgage-free.
If you’re currently on a fixed rate mortgage, it’s advisable to think about remortgaging roughly 6 months before your existing deal concludes.
However, if you need to remortgage during a fixed rate contract, it’s possible, but be prepared for potential early repayment charges.
In these situations, our team of mortgage advisors in Earls Colne can explore other avenues such as a second charge mortgage (also known as a secured loan) or an additional advance from your current lender to find the most cost-effective solution for you.
Despite common misconceptions among homeowners and prospective property buyers, there is a broad range of mortgage possibilities available to individuals aged 50 and over.
As a mortgage broker in Earls Colne, we specialise in providing mortgage advice specifically customised to meet the needs of those looking for later life mortgages.
Here are the key areas we can help you with:
If your circumstances don’t fit into the above-mentioned categories, please feel free to contact us. We’re here to help in any way possible.
Read our 5 Reviews
Essexmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Essexmoneyman 2025.
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Essexmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Essexmoneyman 2025.
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