Welcome to our Mortgage Advice Page in Harlow. We are an expert Mortgage Broker in Harlow and surrounding areas who do our best to look at your circumstances and give you our complete help and guidance through the whole mortgage process.
We have been working within the mortgage industry for over 20 years now. Our experienced Mortgage Advisors in Harlow utilise this industry knowledge in all aspects of property-related lending, including first-time buyer, home movers, remortgages, buy-to-let, help to buy schemes, and many more.
Anyone’s mortgage process can be stressful, but it doesn’t have to this way. We insist on taking all of this stress away, and you deserve to have a comfortable, smooth process without any complications or obstacles. It is not just about finding you a mortgage. We love helping customers who need our guidance, and we will hold your hand through the full process.
A lot of First Time Buyers choose to use a broker. We have access to thousands of mortgage deals through our vast panel of lenders. Once we have your information keyed into our system, a Mortgage Advisor in Harlow will begin searching to find a competitive mortgage deal that will benefit your personal and financial situation.
If you are looking to remortgage, approaching a Mortgage Broker in Harlow could be your best option. We will shop around trying to find remortgage deals for you, aiming to secure one that is better than your current deal.
Even if you are interested in remortgaging for home improvements, we can help you with that. Maybe you are trying to raise capital or want to remortgage to pay off a credit card or loan, and we specialise in that. Getting Remortgage Advice in Harlow could be extremely beneficial to your remortgaging process.
As a Mortgage Broker in Harlow that works solely for you, we do not have any ties to estate agents, building societies or banks.
Our team has open & honest Mortgage Advisors in Harlow available from 8 am-10 pm, 7 days a week. We will work around your routine, booking you in for when best suits you. No matter your preference, we’ll always have someone free to have a chat with you.
We aim to make you feel secure and comfortable during every stage of the process, respecting you and your privacy, keeping everything strictly confidential.
We regularly get feedback on our mortgage advice service, which provides a great representation of their experience with us. Feel free to check out our fantastic customer reviews.
Each of our Mortgage Advisors in Harlow is experts in the world of mortgages. Living up to our core values is what we do best to ensure a 5-star service.
We recommend that you take up our offer for a free initial mortgage consultation; we can’t wait for you to get in touch with your Mortgage Broker in Harlow.
Our entire workforce is proud of the level of customer service we provide; it is at the heart of everything we do as a company. Whether you are dealing with a mortgage advisor or an administrator, our team is here all throughout the week until late at night, supporting you and your mortgage needs!
Look out for us on Facebook and Twitter, too, continually sharing recent news and mortgage tips from our website - it is always worth checking up. You might find something that could help you. If you have a mortgage enquiry, we still have someone ready to respond to any direct messages.
We will be here to assist you through the Remortgage process too. You already own the home, so no more property chain! We will get the process underway and completed as quickly as possible so that you can go back to enjoying your 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.