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 847678From the moment you get in touch with us, until the finalisation of your mortgage and even beyond, we are dedicated to guiding and helping you. As a mortgage broker in Ridgewell, we offer a variety of services including:
No matter what your mortgage objectives are, speaking with a certified mortgage advisor in Ridgewell can be beneficial. They can assess the various options in the market, ensuring you secure the most appropriate deal that meets your personal requirements.
We recognise that the mortgage process can seem intimidating, particularly if you’re taking your first steps into home ownership in Ridgewell.
As a mortgage broker in Ridgewell, our main objective is to ease your concerns as much as possible and strive to make the mortgage process as straightforward and stress-free for you as we can!
Our team of seasoned mortgage advisors in Ridgewell, supported by a robust team of mortgage administrators, are dedicated to helping you in reaching your mortgage objectives, regardless of your individual circumstances.
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.
Buying your first home in Ridgewell can certainly seem intimidating and complex, especially when it comes to obtaining a mortgage.
Our team is committed to making this process as simple and stress-free as possible by offering easy-to-understand mortgage advice in Ridgewell. Our goal is to smooth your path and eliminate any undue stress.
During your engagement with us, our mortgage advisor will be able to provide an estimate of the amount you might be able to borrow, offering a basic understanding of what to expect.
Furthermore, they can obtain a decision in principle for you, an essential element when making offers on properties, within 24 hours of your first mortgage consultation.
Moving home in Ridgewell can often feel like a daunting task, especially when dealing with the complexities of a mortgage.
However, if you’re an existing homeowner looking to progress in your life journey, having a mortgage broker in Ridgewell can greatly alleviate your worries.
Our mission is to navigate you through the mortgage process in a timely and efficient manner, lifting one weight off your mind as you arrange and prepare for your upcoming relocation!
For a considerable amount of time, we’ve been assisting seasoned as well as novice landlords with their buy to let mortgages. Our mortgage advisors in Ridgewell possess a deep understanding of the prerequisites for buy to let mortgages.
In general, we find that a large number of landlords we communicate with choose to utilise our services again in the future. They place their confidence in us to handle the mortgage elements of their buy to let properties, thereby lessening their worries.
Securing the most favourable mortgage agreement is always essential, allowing you to enjoy the most suitable conditions. You’ve likely committed to your mortgage for a substantial duration, during which interest rates, products, and even your personal situation might have shifted.
Whether you’re a Ridgewell resident approaching the conclusion of your current agreement or contemplating an early remortgage, we’re always prepared to review your circumstances. Our objective is to assist you in obtaining the most suitable deal for your requirements.
We’ve supported clients with a variety of needs, including home improvements, raising capital, securing a superior deal, or consolidating their debts, among other things. Regardless of your goal, a mortgage advisor in Ridgewell is always on hand to provide advice.
If you are a resident of Ridgewell aged 50 or above, you might qualify for a variety of mortgage products designed specifically for homeowners and potential buyers entering their later years.
There are numerous options that might be available to you, including hybrid mortgages, retirement interest only (RIO) mortgages, term interest only (TIO) mortgages, standard mortgages and remortgages, and even equity release in Ridgewell (for those aged 55 and over).
Mortgages in Ridgewell for individuals over 50 can be quite a specialised area. Hence, it’s crucial to have a discussion with a knowledgeable and professional mortgage broker in Ridgewell to fully understand the array of options open to you.
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
Book a free meeting with one of our seasoned mortgage advisors in Ridgewell at a time that fits your timetable, using our easy-to-use and absolutely free online booking system.
When you contact us, we’ll connect you with one of our dedicated mortgage advisors in Ridgewell. They will take the effort to thoroughly understand your financial situation, assess your borrowing capacity, and if applicable, secure an agreement in principle for you.
After your consultation with one of our mortgage advisors in Ridgewell, they will diligently search through thousands of options to find the most advantageous deal for you. If you’re happy with the suggested choice, we’ll move forward with your mortgage application.
After completing your application, it must be sent to the lending establishment. Our mortgage advisors in Ridgewell will take care of this responsibility for you, and ensure you’re kept up to date with its development!
If you’re seeking mortgage advice in Essex for a regular purchase inquiry, contemplating equity withdrawal via remortgaging or a product for your later years, or if you’re keen to investigate your insurance options, or have any other questions, we’re ready and able to help you in the most effective way we can.
Our dedicated mortgage advisors in Essex are available to you all week, from early morning until late evening, providing you with the option to arrange a discussion at a time and date that suits you best!
As a mortgage broker in Essex, we pride ourselves on our ability to meticulously scan through thousands of unique mortgage deals, including some highly tailored mortgage products, to pinpoint the most suitable options for our customers.
We have a wealth of knowledge and experience in dealing with a broad spectrum of home buying and mortgage scenarios.
Our mortgage advisors are always up to speed with the most recent mortgage lending regulations.
They are dedicated to going the extra mile to help you in obtaining the most advantageous agreement tailored to your particular requirements!
Starting your property hunt in Ridgewell? Here’s what you’ll need:
When you’re all set to submit your first mortgage application, ensure you have:
You’ll be teaming up with:
Our committed mortgage team will support you throughout the process. A personal case manager will be assigned to you to address any queries you may have.
If you’re presently on a fixed-rate mortgage, most mortgage lenders allow you to transfer this to a new home.
Our team of mortgage advisors in Ridgewell is readily available to guide you through this procedure, helping you in understanding your choices and any costs linked to additional borrowing.
The porting process usually requires you to meet the standards imposed by your existing mortgage provider, hence a new application is still necessary.
If you’re not on a fixed rate, it could be beneficial to examine the market for potential savings.
The ceiling for buy to let mortgages isn’t set in stone; some customers may have numerous, while others may only possess a handful.
Whether you acquire properties on your own, in partnership, or via a limited company in Ridgewell, the amount of mortgages you can have is generally unlimited, provided you meet your lender’s stipulations.
The quantity you opt for is largely contingent on your risk tolerance and your enduring goals. These could encompass creating a pension income, replacing salary earnings, capitalising on property value growth, or building an asset for forthcoming generations.
You are free to remortgage at any time, unless you’re bound by a fixed rate contract or if your property is entirely mortgage-free.
If you’re tied to a fixed rate mortgage, it’s generally advisable to consider remortgaging about half a year before your current contract expires.
However, if you need to remortgage during a fixed rate term, it’s feasible, but be mindful of possible early repayment charges.
In such situations, our mortgage advisors in Ridgewell can explore alternative options such as a second charge mortgage (secured loan) or an extra advance from your current lender to identify the most cost-effective solution for you.
Many homeowners and prospective buyers often think that there are limited mortgage options for those aged 50 and above. However, this is not the case.
There exists a wide array of mortgage choices for individuals in this age group.
As a mortgage broker in Ridgewell, we specialise in providing mortgage advice specifically designed for those looking into mortgages in their later years.
We can help you in the following key areas:
If your circumstances don’t fit into the above categories, please contact us. We are always ready to help in any way possible.
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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