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Mortgage Broker in Runwell

& 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 Runwell

& 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 Runwell.

From your initial contact with us to the finalisation of your mortgage and beyond, we’re committed to providing guidance and support at every step. As a mortgage broker in Runwell, we offer a range of services including:

  • Assisting first time buyers in Runwell
  • Helping Runwell residents who are relocating
  • Buy to Let advice in Runwell
  • Remortgage guidance in Runwell
  • Mortgage options for Runwell customers aged 50 and over
  • Specialist mortgage advice for unique situations in Runwell

Regardless of your goals, consulting with a certified mortgage advisor in Runwell will be beneficial. They can assess the market options available to you, ensuring you secure the most appropriate deal for your personal situation.

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Popular Mortgage Scenarios in Runwell

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

We understand that navigating the mortgage process can be daunting, especially for those in Runwell who are first time buyers with no prior experience in home ownership. As a mortgage broker in Runwell, our goal is to alleviate your worries as much as possible, striving to provide a hassle-free and straightforward mortgage process whenever possible!

Our team of knowledgeable and experienced mortgage advisors in Runwell, along with our dedicated mortgage administrators, are committed to helping you in achieving your mortgage goals, no matter your current circumstances.

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Popular Mortgage Scenarios in Runwell

First Time Buyer Mortgages in Runwell

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If you’re taking your first steps onto the property ladder in Runwell, finding a mortgage can feel like a daunting task. As a mortgage broker in Runwell, we are dedicated to offering clear, easy-to-understand mortgage advice, aiming to alleviate your worries and make the process as straightforward as possible.

When you work with us, your mortgage advisor will provide an approximate figure of how much you could potentially borrow, giving you a clear picture of what to anticipate.

Furthermore, they can secure an agreement in principle for you – a crucial element when placing offers on properties – within 24 hours of your initial mortgage consultation.

Moving Home Mortgages in Runwell

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Many people believe that moving home in Runwell can be one of life’s more challenging experiences, particularly when a mortgage is involved.

Fortunately, for current homeowners ready to progress, having a mortgage broker in Runwell can significantly reduce your stress levels.

Our aim is to guide you through the mortgage process as swiftly as possible, easing your burden while you organise and pack for your upcoming move!

Buy to Let Mortgages in Runwell

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For a considerable period, we have been helping both experienced and new landlords with their buy to let mortgages. Our mortgage advisors in Runwell are highly knowledgeable about the requirements of buy to let mortgages.

Typically, we have observed that many landlords we interact with prefer to re-engage our services in the future. They entrust us with managing the mortgage aspects of their buy to let properties, thereby lessening their load of responsibilities.

Remortgage in Runwell

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Staying on top of your mortgage and ensuring you have the best possible deal is always crucial. Given that your mortgage is likely a long-term commitment, it’s probable that rates, products, and even your personal circumstances may have evolved over time.

Whether you’re a resident of Runwell nearing the end of your current mortgage deal or someone considering remortgaging early, we’re always ready to examine your situation and identify the best steps to ensure you have the most suitable deal.

We’ve had numerous discussions with clients about various scenarios, including home improvements, raising capital, securing a better deal, or consolidating debts, among others. No matter your mortgage needs, a mortgage advisor in Runwell is always available to help.

Mortgages in Runwell For Over 50s

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For those residing in Runwell and aged over 50, you may be eligible for a range of mortgage products specifically tailored for homeowners and prospective buyers approaching their later years.

Potential options that may be accessible to you encompass hybrid mortgages, retirement interest only (rio) mortgages, term interest only (tio) mortgages, standard mortgages and remortgages, in addition to equity release in Runwell (for clients aged 55 and above).

Mortgages in Runwell for individuals over the age of 50 often necessitate specialised knowledge. It is therefore crucial to chat with a certified and professional mortgage broker in Runwell to fully 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

Schedule a free consultation with one of our seasoned mortgage advisors in Runwell at a time and date that suits your schedule, through our user-friendly and cost-free online reservation system.

Free Mortgage Appointment - Speak to an Expert

Step 2

When you contact us, one of our committed mortgage advisors in Runwell will be at your service. They will thoroughly review your financial standing and evaluate your affordability, securing an Agreement in Principle for you if suitable.

Finding a Suitable Product

Step 3

After your meeting with one of our mortgage advisors in Runwell, they will sift through thousands of possibilities to identify the most suitable deal for you. If you’re happy with their suggestion, we’ll proceed with your mortgage application.

Let's Submit Your Application!

Step 4

Once you’ve finished your application, it needs to be forwarded to the lender. Don’t worry, our mortgage advisors in Runwell will handle this task for you. They’ll also keep you informed about its progress!

Reasons To Choose Us

Free Appointment in Runwell

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Should you require mortgage advice in Essex for a standard purchase query, considering equity release through a remortgage or a product for later in life, exploring your insurance possibilities, or have any other queries, we are delighted to assist to the best of our ability.

Our committed mortgage advisors in Essex are at your service throughout the week, from early morning to late evening, allowing you to schedule an appointment at a date and time that is most convenient for you!

1000s of Mortgage Deals

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As a mortgage broker in Essex, we have the ability to sift through thousands of diverse mortgage offers, including some highly specialised mortgage products, to identify the most favourable options for our customers.

Our team has a wealth of knowledge in handling an array of home purchasing and mortgage situations. Our mortgage advisors are committed to staying informed about the latest mortgage lending standards, going the extra mile to help you secure the finest deal for your specific objectives!

Malcolm and Amy Davidson - Mortgage Advice in Essex

Common Mortgage Questions in Runwell

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

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To begin your property search, you will require:

  • A deposit of 5% obtained from savings, equity, or a gift from a family member.
  • A preliminary mortgage agreement from a mortgage advisor in Runwell.

For your initial mortgage application, you will need:

  • Identification such as a passport or driver’s licence.
  • A recent document to confirm your address.
  • Proof of income for the past 3 months.
  • Bank statements from the last 3 months.
  • Evidence of your deposit, for instance, statements from your savings account.
  • A credit report may also be necessary.

You will be collaborating with:

  • A mortgage broker in Runwell (independent from any bank or estate agency).
  • An estate agent (you will need to provide them with ID and a mortgage agreement).
  • A conveyancer or solicitor (we can help you in finding one).
  • A surveyor, if necessary (we can also provide assistance in this regard).

Our dedicated mortgage team will support you throughout the process. You will have a case manager assigned to you to answer any queries you might have.

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

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Should you currently have a fixed-rate agreement, the majority of mortgage providers are usually open to the idea of transferring it to a new property.

Our team of mortgage advisors in Runwell are at your disposal to help you in this process, guiding you through your options and explaining any charges that may arise from extra borrowing.

The process of transferring, often known as porting, typically necessitates you to satisfy the existing mortgage lender’s requirements, meaning an application is still obligatory. If you’re not on a fixed rate, it might be advantageous to investigate the market for potential savings.

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

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There isn’t a fixed cap on buy to let mortgages; some clients hold several hundreds, while others possess merely a few.

Whether you acquire properties individually, in partnership, or via a limited company, the quantity of mortgages you can hold is typically unrestricted, as long as you fulfil your lender’s requirements.

Everything hinges on your risk appetite and prospective strategies, such as retirement earnings, job substitution, leveraging a property’s growth, or creating an asset for forthcoming generations.

When should I look to remortgage in Runwell?

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You have the liberty to remortgage whenever you wish, provided you’re not locked into a fixed rate agreement or your property is already fully paid off.

If you’re on a fixed rate mortgage, it’s recommended to start thinking about remortgaging roughly 6 months before your existing deal concludes.

However, should you find yourself needing to remortgage during the course of a fixed rate agreement, it’s possible but be aware that early repayment fees might apply.

In such scenarios, our team of mortgage advisors in Runwell can explore other possibilities like a second charge mortgage (also known as a secured loan) or a further advance from your current lender to identify the most economical solution for you.

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

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Contrary to what many homeowners and prospective buyers may think, a wide range of mortgage solutions exist for individuals over the age of 50.

As an independent mortgage broker in Runwell, we specialise in offering mortgage advice tailored to the needs of those seeking later life mortgages. Here’s how we can help:

  • Helping over 50s with remortgaging
  • Guiding over 50s through property purchases
  • Helping over 50s release capital
  • Providing support for over 50s with bad credit and needing debt consolidation

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

We search 1000s of mortgage deals in Runwell

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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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