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Mortgage Broker in Roydon

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

01245 847678Speak to an Advisor - It's Free!

Mortgage Broker in Roydon

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Speak to an Advisor - It's Free! 01245 847678

Learn more about service for mortgage advice in Roydon.

From your initial interaction with us to the finalisation of your mortgage and beyond, we are committed to guiding and helping you in the best way possible. As a mortgage broker in Roydon, we offer a range of services including:

  • Assisting first time buyers in Roydon
  • Helping existing homeowners in Roydon move to a new property
  • Advising on Buy to Let properties in Roydon
  • Guiding through remortgages in Roydon
  • Providing mortgage options for customers in Roydon aged 50 and above
  • Addressing specialist and/or unique mortgage situations in Roydon

Whatever your objectives may be, you will find it beneficial to speak with our qualified mortgage advisors in Roydon. They have the expertise to compare and analyse the options available in the market, ensuring you secure the most suitable deal based on your personal circumstances.

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Popular Mortgage Scenarios in Roydon

All of our customers receive a free mortgage appointment in Roydon!

We understand that navigating the mortgage process can be overwhelming, especially for those who are venturing into home ownership in Roydon for the first time.

As a mortgage broker in Roydon, our goal is to minimise your worries as much as possible, striving to provide you with a hassle-free and straightforward mortgage journey, if it’s within our power!

Our team of experienced mortgage advisors and administrators in Roydon are armed with the expertise to help you in achieving your mortgage goals, irrespective of your current circumstances.

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Popular Mortgage Scenarios in Roydon

First Time Buyer Mortgages in Roydon

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Embarking on the journey to buy your first home in Roydon can be a daunting and complex process, especially when trying to secure a mortgage.

Our mission as a team dedicated to delivering straightforward and comprehensible mortgage advice in Roydon is to reduce your worries and streamline your path towards homeownership.

During your engagement with us, our mortgage advisor will provide you with an approximate figure of how much you could potentially borrow, giving you a clear idea of what to anticipate.

Furthermore, they will secure an agreement in principle for you, a crucial step when putting offers on properties, within 24 hours of your initial mortgage appointment.

Moving Home Mortgages in Roydon

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Many believe that moving home in Roydon can be quite a challenging event in one’s life, particularly when a mortgage is involved.

Fortunately, for current homeowners planning to venture into their next phase of life, having a mortgage broker in Roydon can significantly reduce your stress.

Our aim is to navigate you through the mortgage process as swiftly as possible, providing you with one less concern while you organise and pack for your impending move!

Buy to Let Mortgages in Roydon

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We’ve been providing support to both new and existing landlords with their buy to let mortgages for a considerable period. Our mortgage advisors in Roydon are highly knowledgeable about the requirements for buy to let mortgages.

Typically, we’ve observed that many landlords we engage with often return to us for future assistance. They entrust us with the mortgage aspects of their buy to let properties, thereby reducing their list of concerns.

Remortgage in Roydon

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Maintaining an advantageous position with your mortgage is important, ensuring you have the most beneficial agreement possible. It’s likely you’ve secured your mortgage over a significant period, and during that time, rates, products, and even your personal situation may have evolved.

Whether you’re a Roydon resident nearing the end of your current agreement, or someone considering remortgaging earlier than planned, we’re always ready to examine your circumstances and identify the best course of action to guarantee you’re on the most appropriate deal.

We’ve frequently discussed scenarios with our clients that include home renovations, capital generation, securing a more favourable deal or debt consolidation, among others. No matter your objective, a mortgage advisor in Roydon will be available to help and guide you.

Mortgages in Roydon For Over 50s

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If you are a resident of Roydon and over 50 years old, you may find that a range of mortgage products tailored to suit homeowners and potential home buyers in their later years are accessible to you.

Potential options you might consider include hybrid mortgages, retirement interest only (rio) mortgages, term interest only (tio) mortgages, standard mortgages and remortgages, and equity release in Roydon (available for customers aged 55 and above).

Mortgages in Roydon for those over 50 can often be a specialist area. Hence, it is important to have a chat with a certified and professional mortgage broker in Roydon to comprehend the various options available to you.

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Our Simple 4-Step Process

Take Advantage of our Book Online System

Step 1

Arrange a free appointment with one of our seasoned mortgage advisors in Roydon at a time and date that suits your schedule, by utilising our easy-to-use and cost-free online reservation platform.

Free Mortgage Appointment - Speak to an Expert

Step 2

When you contact us, you’ll be linked with one of our committed mortgage advisors in Roydon. They’ll gain a comprehensive insight into your financial circumstances and evaluate your ability to afford a mortgage, securing you an Agreement in Principle if suitable.

Finding a Suitable Product

Step 3

Once your meeting with one of our mortgage advisors in Roydon concludes, they will sift through a multitude of choices to identify the most advantageous deal for you. If their suggested option meets your approval, we will proceed with your mortgage application.

Let's Submit Your Application!

Step 4

Once your application is finished, it needs to be forwarded to the lending institution. Our mortgage advisors in Roydon will handle this task for you and keep you informed about its progress!

Reasons to Choose Us

Free Appointment in Roydon

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If you’re seeking mortgage advice in Essex for a standard purchase enquiry, considering equity release through remortgaging or a later life product, curious about your insurance possibilities, or have any other queries, we’re delighted to help as efficiently as possible.

Our committed mortgage advisors in Essex are at your service all week, from dawn till dusk, providing you the flexibility to arrange a discussion at a date and time that’s most convenient for you!

Whether you’re in Roydon or anywhere else in Essex, we’re here to provide you with the professional mortgage advice you need.

1000s of Mortgage Deals

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As a mortgage broker in Essex, we have the ability to sift through thousands of varied mortgage deals, including some niche mortgage products, to secure the most favourable options for our clients.

We are well-versed in handling an array of home purchasing and mortgage situations, with our team of mortgage advisors consistently staying abreast of the latest mortgage lending criteria. They are committed to doing their utmost to help you secure the best deal for your specific needs and goals!

Malcolm and Amy Davidson - Mortgage Advice in Essex

Common Mortgage Questions in Roydon

What do I need to buy my first home in Roydon?

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To begin your property search in Roydon, you will require:

  • A deposit amounting to 5% of the property’s value, which can be obtained from your savings, equity, or a generous gift from a family member.
  • An agreement in principle for a mortgage, provided by a mortgage advisor based in Roydon.

When applying for your initial mortgage, you should prepare:

  • A valid identification document, such as a passport or driving licence.
  • A recent proof of your current address.
  • Evidence of your earnings for the past three months.
  • Bank statements covering the last three months.
  • Proof of your deposit, which could be in the form of savings account statements.
  • You might also need to consider obtaining a credit report if necessary.

You will be dealing with:

  • A mortgage broker in Roydon, who operates independently and is not affiliated with a bank or estate agency.
  • An estate agent, who will need your ID and mortgage agreement.
  • A conveyancer or solicitor, whom we can help you in finding if necessary.
  • A surveyor, if required. We can also provide assistance in this regard.

Our dedicated mortgage team is always ready to support you. A committed case manager will be assigned to you to answer any queries you may have.

Can I port my existing mortgage to a new property in Roydon?

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Should you currently have a fixed-rate mortgage, the majority of mortgage lenders will permit a transfer to a new property.

Our group of mortgage advisors in Roydon is ready to help you in this process, guiding you through possible options and explaining any extra borrowing costs.

The process of porting typically necessitates compliance with the existing mortgage lenders’ criteria, hence, an application is still required. If you are not on a fixed rate, exploring the market could potentially lead to savings.

How many buy to let mortgages in Roydon can I have?

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There’s no definitive cap on the number of buy to let mortgages one can hold; some clients in Roydon may have an extensive portfolio of hundreds, while others might only have a few.

Regardless of whether you purchase properties individually, jointly, or via a limited company, the quantity of mortgages you can possess is typically unrestricted, as long as you satisfy the requirements set by your lender.

Your capacity to hold multiple mortgages is largely determined by your comfort with risk and your long-term objectives, which could include generating retirement income, replacing employment income, leveraging property growth, or establishing a legacy for future generations.

When should I look to remortgage in Roydon?

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You have the liberty to remortgage whenever you wish, as long as you’re not bound by a fixed rate agreement or if your property is already free from any mortgage.

If you’re on a fixed rate mortgage, it’s wise to start thinking about remortgaging roughly 6 months prior to the expiry of your current deal.

However, if you find yourself needing to remortgage while still within a fixed rate deal, it’s possible, but be aware there may be early repayment fees involved.

In such situations, our dedicated team of mortgage advisors in Roydon is here to help.

They can investigate other options such as a second charge mortgage (also known as a secured loan) or an additional advance from your existing lender to identify the most financially beneficial solution for you.

Can I get a mortgage in Roydon if I'm aged over 50?

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While it may seem to many homeowners and potential home buyers that their options are limited, there actually exists a wide range of mortgage alternatives for those aged 50 and above.

We are an independent mortgage broker specialising in giving mortgage advice in Roydon, particularly focusing on mortgages for those in their later years. Here’s how we can help you:

  • We can help over 50s with remortgaging
  • We can help over 50s with property purchases
  • We can aid over 50s in releasing capital
  • We can support over 50s with bad credit and debt consolidation

If you require assistance with a situation that isn’t mentioned above, please don’t hesitate to reach out to us. We’re here to help in any way we can.

We search 1000s of mortgage deals in Roydon

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Foundation Home Loans & Essexmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at

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