Welcome to our Mortgage Advice Page in Ipswich. We are a responsive Mortgage Broker in Ipswich and surrounding areas. We do our best to ensure our full support and guidance through your entire mortgage process.
If you are looking for an experienced Broker, then you are in luck. We have been working within the mortgage industry for over 20 years now. Our expert Mortgage Advisors have 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.
Mortgages can have a detrimental effect on your mental health, but it doesn’t have to this way. We insist on taking all of this strain 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.
As a Mortgage Broker in Ipswich, we deal with all different types of mortgage situations, nothing is too little or too big for us to take on. We always love a good challenge either way!
Here are the most common mortgage situations that we come across as a Mortgage Broker in Ipswich:
If your personal situation isn’t listed above, don’t worry, it is still more than likely that we have already encountered or solved a similar situation in the past. So, don’t hesitate to get in touch, we know how hard it can be to continue your mortgage application when faced with an obscure problem, that’s why we are here to offer a helping hand so we can get over these hurdles together.
It’s more common for First Time Buyers to use a broker, however, that doesn’t mean that you won’t benefit from using one if you have done this before. We have access to thousands of mortgage deals through our huge panel of more than 30 lenders. Once we have your information keyed into our system, a Mortgage Advisor in Ipswich will begin searching for the perfect deal for you. They will try 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 Ipswich 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, we specialise in that too. Getting Remortgage Advice in Ipswich could be extremely beneficial to your remortgaging process. For a free remortgage consultation, get in touch with a Remortgage Advisor in Ipswich today.
We work solely for you. As a Mortgage Broker in Ipswich that works for your benefit only, we are not tied to any particular estate agent, building societies or banks.
We have Mortgage Advisors in Ipswich available from 8am-10pm, 7 days a week. We aim to work around times that best suit you. Don’t worry, there will always be someone to talk to here, you’re in safe hands.
We want you to feel secure and comfortable during every stage of the process, and that’s why everything between is strictly confidential.
We really value customer service; it’s at the heart of our business. We regularly get feedback on our mortgage advice service, to see what people have said about their experience with us, feel free to check out our outstanding reviews.
Every one of our Mortgage Advisors in Ipswich are experts in every mortgage department. Being responsive, caring, open and honest is what we do best.
We highly recommend that you take advantage of our free mortgage consultation; we can’t wait for you to get in touch with your Mortgage Broker in Ipswich.
Our entire workforce are 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 are here all throughout the week until late at night, supporting you and you and your mortgage needs!
Look out for us on Facebook and Twitter too, regularly sharing news and mortgage tips from our website - it is always worth checking up to see if there is something that could help you. If you have a mortgage enquiry, we always 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.
Our team are here to help and support you throughout the whole process, clearing any hurdles which may arise. 7 Days a Week.
We will aim to make you feel relaxed and be open and honest, taking away any stress.
Please read our genuine customer reviews. We strive to offer the best Mortgage Advice service we possibly can.
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.