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 847678Welcome to our new homepage for mortgage advice in Essex and Mersea Island. We are a Mortgage Broker in Mersea Island and our job is to help you get through the whole mortgage process, from start to finish.
We work with many different types of mortgage applicants; First Time Buyers, Home Movers, Landlords, those looking to Remortgage and the Self Employed, we are here to help. Our huge panel of mortgage lenders each hold 1000s of unique deals that we can access. It will be your Mortgage Advisor in Mersea Island who will try and pick out one of these deals for you that matches your personal and financial situation.
If you want to speak with a Mortgage Advisor in Mersea Island, you can book a free initial mortgage appointment online and choose your own date and time. We have slots available 7 days a week, both early mornings and evenings are available. When booking online, you will be assigned to an advisor based on the information that you have provided.
In a competitive market, it can be difficult to even know where to start your mortgage process. Using a Mortgage Broker in Mersea Island will allow you to get a head start; from the get-go, we will keep you in the loop, help you prepare your document trail for evidencing your affordability, answer any questions that you have and make sure that you feel comfortable and secure at all times.
Unlike a bank or building society, we are able to search 1000s of deals through various different lenders, whereas they will only be able to access their in-house products. Another difference between a mortgage broker in Essex and Mersea Island and your bank or building society is that we are responsive and will not leave you waiting around for an answer. We are available 7 days a week, all you have to do is book online or give us a call!
We want every customer to have a fantastic experience with us. This means going above and beyond for every person that reaches out to us for help. Take a look at our brilliant reviews to find out more. Follow our online booking process and pick a date and time that suits you best. You’ll be paired with your own dedicated Mortgage Advisor in Mersea Island, they will take further details off you, assess your affordability and be able to prepare you an Agreement in Principle.
Your advisor will then be able to find you a perfect mortgage product. If you want to continue with your deal, we can begin to prepare your mortgage application. If everything looks good on both ends, we can submit your mortgage application to the lender. It’s that simple!
If you have been declined by your bank and are looking for the help of a Mortgage Broker in Mersea Island, we can help! We would also recommend that you do not keep applying to lots of different banks, as the more times that you are declined, the worse effect it will have on your credit score. There is always a reason why you have been declined, and we can help you find it. This could be due to poor credit, a fault in your application, affordability or something different. We would always recommend trying to improve on these to avoid your current and any future credit applications.
We can never guarantee someone a mortgage, however, we can try our best to find a product that matches your personal and financial situation. As your Mortgage Broker in Mersea Island, we will also be open and honest with you, if we cannot find you a suitable deal and you cannot obtain a mortgage, we will tell you so and give you tips on how you can improve your application in the near future.
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.
Being a first time buyers in Essex and Mersea Island, in this day and age can be tricky, where on earth do you start? We are here to help you start your mortgage process, all you have to do is get in touch and book your free initial mortgage appointment to speak with a First Time Buyer Mortgage Advisor in Mersea Island.
We will take some details from you regarding your personal and financial situation, then we will be able to perform an affordability assessment to measure what sort of deals you’ll be able to access. Following your appointment, your advisor will try to find the perfect deal for you and also arrange an Agreement in Principle for you within 24-hours. Ask as many questions as you want to, no question is a stupid question!
If you are struggling to save up for your deposit in Mersea Island, you should consider utilising the government schemes available, such as the Help to Buy Equity Loan, Shared Ownership or the Lifetime ISA.
If you’re moving home in Essex or Mersea Island and looking for a mortgage in Mersea Island, the process is very similar to the first time around, although, this time you are not only buying, you are selling too. The responsibility of taking care of two properties can be stressful, particularly on the mortgage side of the process. This is why we want to offer a helping hand and take care of the mortgage side of the process.
There are many different reasons why you could want to move home, if it’s for a bigger space you may need to check your affordability prior to taking viewings and making offers. We can help you with this and work out your budget so that you have an understanding of what properties you can afford in Mersea Island.
We have been helpingbuy to let mortgage in Essex and Mersea Island for the previous 20 years; over time we have developed strong, long-lasting relationships with many of them. Whether you are a First Time Buyer Landlord or have an existing portfolio, we want to be able to help you next.
There are many different Buy to Let mortgage options, you could opt for a HMO, Holiday Let, Let to Buy or something else, it is completely up to you. Talk to your dedicated Mortgage Advisor in Mersea Island to discuss all of your Buy to Let options.
When you are coming to the end of your fixed mortgage term, it is time to remortgage in Essex and Mersea Island.
Remortgaging switches you onto another mortgage deal to avoid falling onto your lender’s standard variable rate of interest. We can help you search the market for competitive rates and products to switch on to. If you have kept up to date with your repayments, these competitive rates may become available to you.
There are other methods of Remortgaging when you come to the end of your fixed term. You can also Remortgage for home improvements, to release equity and to consolidate debt into your mortgage.
When you’re Self Employed, this process will be the same in all scenarios, however, you will need to supply further documentation to evidence your income. Your Mortgage Advisor in Mersea Island will run through exactly what you need and measure your affordability during your free initial mortgage appointment.
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
Schedule an appointment with one of our experienced mortgage advisors in Essex and Mersea Island at a time and date that works best for you, using our convenient and free online booking system.
When you reach out to us, you’ll be connected with one of our knowledgeable mortgage advisors in Essex and Mersea Island. They’ll get a clear understanding of your financial situation and assess your affordability, and also provide you with an Agreement in Principle.
Upon completion of your appointment with one of our mortgage advisors in Essex and Mersea Island, they will scour through thousands of options to find the most suitable deal for you. If you approve of their recommendation, we’ll proceed with the processing of your mortgage application.
Upon completion of your application, it must be sent to the lender, our mortgage advisors in Essex and Mersea Island can take care of that for you.
If you are seeking guidance regarding mortgage advice in the Mersea Island area, looking to release equity, or interested in insurance products, we are eager to help you find the information you need.
Our team is well-equipped to provide you with valuable insights and recommendations that cater to your specific needs and circumstances. Please don’t hesitate to contact our mortgage advisors in Mersea Island for assistance, as we are more than happy to help.
Our team of experts searches through thousands of deals, some of which include highly specialise mortgage products, to find the most suitable options for our customers.
Rest assured that our extensive experience and knowledge allow us to provide exceptional mortgage advice to customers from all walks of life, regardless of their unique financial situations.
We are committed to helping you navigate the complex world of mortgages and ensuring that you make the most suitable decisions. Please feel free to contact us for guidance, as we would be more than happy to help you in any way we can.
If you have been declined by your bank and need a mortgage broker in Mersea Island, our team may help. Avoid applying with multiple lenders as it can affect your credit score.
Our team will help you find out why the bank declined you, and suggest ways to improve your credit. We’ll work to find the most suitable deal for you, but if we can’t, we’ll give you advice on how to improve your application in the future. We provide open and honest mortgage advice in Mersea Island to every customer.
Our mortgage experts offer a free initial appointment to help you. If you need mortgage advice outside of normal working hours, our dedicated mortgage advisors in Colchester are available until late. Call us and we’ll do our best to assist you.
Bank mortgage advisors can only offer products from their own lender, and it can be difficult to get an appointment with them, which can be frustrating if you’re actively looking at properties.
A professional mortgage broker in Mersea Island can help by comparing deals from a large number of lenders on their panel, some with specialist products.
We have extensive experience and knowledge in providing mortgage advice in Mersea Island to customers with a variety of situations.
A second mortgage on your home can be an option for debt consolidation or home improvements. If you’re considering taking out a mortgage on a second property, whether for personal use, a family member, a holiday home, or a buy to let investment, it may also be possible.
After submitting at least one year’s accounts, you may be eligible for a mortgage. Most lenders calculate the maximum mortgage amount based on your salary and dividends, while some may use your net profit instead.
Our mortgage advice team in Mersea Island offers a free initial mortgage appointment that lasts about 30 minutes to an hour. After that, your mortgage advisor in Mersea Island will recommend a mortgage for you with no obligation to proceed, and you can decide whether to take it or not.
We recommend that home buyers in Mersea Island obtain an Agreement in Principle (AIP) before viewing properties. At the very least, you should obtain an AIP before making an offer to improve your bargaining position with a seller.
The duration of an Agreement in Principle typically ranges from 30 to 90 days, depending on the lender. If your Agreement in Principle expires, our mortgage advisors in Mersea Island can always have it refreshed for you.
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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