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Mortgage Broker in Elsenham

& 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 Elsenham

& 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 Elsenham.

From 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 Elsenham, we offer a range of services, including:

  • Support for first-time buyers in Elsenham
  • Assistance with home relocation for Elsenham residents
  • Buy to Let services in Elsenham
  • Remortgage services in Elsenham
  • Mortgage options for Elsenham clients aged 50 and above
  • Expert mortgage advice for unique situations in Elsenham

No matter your mortgage objectives, you’ll find it beneficial to speak with a certified mortgage advisor in Elsenham. They can compare the various options in the market, ensuring you secure the most appropriate deal for your specific requirements.

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Popular Mortgage Scenarios in Elsenham

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

We realise that the mortgage process can seem overwhelming, particularly for those who are venturing into home ownership for the first time in Elsenham.

As a mortgage broker in Elsenham, 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 Elsenham, supported by a robust team of mortgage administrators, are dedicated to assisting you in fulfilling your mortgage aspirations, regardless of your situation.

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Popular Mortgage Scenarios in Elsenham

First Time Buyer Mortgages in Elsenham

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Acquiring your first property in Elsenham 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 Elsenham. 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 Mortgages in Elsenham

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Relocating within Elsenham 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 Elsenham 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!

Buy to Let Mortgages in Elsenham

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For quite some time now, we’ve been assisting landlords, both seasoned and novice, with their buy to let mortgages. Our mortgage advisors in Elsenham 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.

Remortgage in Elsenham

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Securing the best 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 Elsenham 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 Elsenham is always on hand to provide advice.

Mortgages in Elsenham For Over 50s

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If you’re a resident of Elsenham 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 Elsenham (for those aged 55 and over).

Mortgages in Elsenham 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 Elsenham 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 meeting with one of our seasoned mortgage advisors in Elsenham at a time that aligns with your timetable, using our easy-to-navigate and completely free online booking system.

Free Mortgage Appointment - Speak to an Expert

Step 2

When you reach out to us, we’ll connect you with one of our dedicated mortgage advisors in Elsenham. They will take the necessary time to understand your financial situation thoroughly, assess your borrowing capacity and, if applicable, secure an agreement in principle.

Finding a Suitable Product

Step 3

After your consultation with one of our mortgage specialists in Elsenham, 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.

Let's Submit Your Application!

Step 4

After you’ve completed your application, it’s then submitted to the loan provider. Our mortgage advisors in Elsenham will take care of this for you and keep you updated on its status!

Reasons to Choose Us

Free Appointment in Elsenham

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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!

1000s of Mortgage Deals

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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!

Malcolm and Amy Davidson - Mortgage Advice in Essex

Common Mortgage Questions in Elsenham

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

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Initiating your property hunt in Elsenham, you would need:

  • A minimum of 5% deposit, which could be sourced from your savings, equity, or a generous gift from a family member.
  • An agreement in principle for a mortgage, which can be acquired from a mortgage advisor in Elsenham.

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

  • Identification, such as a passport or driving licence.
  • A current document verifying your address.
  • Income proof for the preceding three months.
  • Bank statements for the past three months.
  • Proof of your deposit, such as savings account statements.
  • A credit report could also be advantageous.

You’ll be partnering with:

  • A mortgage broker in Elsenham who operates independently and isn’t linked to a bank or estate agency.
  • An estate agent (you’ll need to furnish them with your ID and mortgage agreement).
  • A conveyancer or solicitor (we can help you in locating one).
  • A surveyor, if required (we can also aid you in this regard).

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.

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

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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 Elsenham 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.

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

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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 Elsenham, 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.

When should I look to remortgage in Elsenham?

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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 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 Elsenham 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.

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

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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 an independent mortgage broker in Elsenham, 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:

  • Remortgaging for clients aged 50 and above.
  • Property purchase for clients aged 50 and above.
  • Capital release for clients aged 50 and above.
  • Support with poor credit and debt consolidation for clients aged 50 and above.

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.

We search 1000s of mortgage deals in Elsenham

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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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