Welcome to our mortgage advice page in Harwich. We are a mortgage broker in Harwich with over 20 years of experience within the mortgage industry. Our job is to guide you through the whole mortgage process, holding your hand from start to finish.
The process is nice and simple! Once you get in touch with our team, we can help you get the ball rolling with your mortgage application.
1. You contact us and speak with our customer care team in Harwich.
2. We get you booked in for your free mortgage consultation with a mortgage advisor in Harwich.
3. You’ll get to speak with your mortgage advisor in Harwich and they’ll get to learn more about your mortgage needs and personal and financial situation.
4. Your mortgage advisor in Harwich searches for the perfect deal for you. If they find one that you like and want to continue with, it’s time to start preparing your mortgage application!
Our service isn’t complete without excellent customer service though. We will hold your hand through the entire whole process, keeping you up-to-date at all times and making you aware of any changes to the status of your application.
All customers, no matter their mortgage situation, get to benefit from a free mortgage consultation. We have dealt with 1000’s complicated situations in the past – we’re here to help so don’t hesitate to get in touch!
We can access specialist deals too. Our panel consists of both specialist and high street lenders which gives us the opportunity to try and find the perfect deal for you. We will only select a product that suits your personal and financial situation.
Helping people through their mortgage journey is our job, so, as you can imagine, when we hear back from customers that say how much they’ve valued our help, it puts a massive smile on our face!
Speaking of reviews, you should check some of them out. There might be someone who’s been in a similar situation to you!
For fast and friendly mortgage advice in Harwich, you've come to the right place. Our team have over 20 years of experience within the industry - we know what we are doing!
We work 7 days a week to ensure that you can contact us during a time that suits you best. We are even available in out of office hours so don't hesitate to call after work.
Our job is to be completely transparent with you during every step of process. We will only recommend you a product that will benefit your personal and financial situation.
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.