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Mortgage Broker in Silver End

& 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 Silver End

& 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 Silver End.

From your very first interaction with us, all the way to the completion of your mortgage and even afterwards, we’re committed to guiding and helping you. As a mortgage broker in Silver End, we’re proud to offer the following services:

  • Support for first-time buyers in Silver End.
  • Assistance for Silver End residents looking to move home.
  • Buy-to-Let services in Silver End.
  • Remortgage services in Silver End.
  • Mortgage options for Silver End clients aged 50 and above.
  • Expert mortgage advice for unique circumstances in Silver End.

No matter your mortgage aspirations, you’ll find it beneficial to speak with a certified mortgage advisor in Silver End. They have the expertise to compare the various options on the market, ensuring you secure the most appropriate deal for your specific requirements.

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Popular Mortgage Scenarios in Silver End

All of our customers receive a free mortgage appointment in Silver End!

We recognise that the mortgage process can often seem overwhelming, particularly for those who are venturing into home ownership for the first time in Silver End.

As a mortgage broker in Silver End, our main objective is to ease your concerns as much as we can and strive to ensure your mortgage process is as seamless and stress-free as possible!

Our dedicated team of seasoned mortgage advisors in Silver End, supported by a robust team of mortgage administrators, are devoted to helping you in realising your mortgage objectives, regardless of your individual circumstances.

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Popular Mortgage Scenarios in Silver End

First Time Buyer Mortgages in Silver End

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Buying your first house in Silver End can indeed seem overwhelming and intricate, especially when it comes to obtaining a mortgage.

Our team is committed to making this procedure as simple and hassle-free as possible by offering clear, understandable mortgage advice in Silver End. Our goal is to streamline your process and relieve any unnecessary stress.

During your engagement with us, our mortgage advisor will be able to give you an approximate figure of the amount you may be able to borrow, providing you with a rough estimate of what to expect.

In addition, they can secure an agreement in principle for you, a crucial element when making offers on properties, within 24 hours of your first mortgage consultation.

Moving Home Mortgages in Silver End

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Moving to a new home in Silver End can often be perceived as an incredibly tense experience, especially when dealing with mortgage matters.

Luckily, for existing homeowners looking to progress, engaging a mortgage broker in Silver End can greatly alleviate your worries.

Our objective is to navigate you through the mortgage process as efficiently as we can, lifting one weight off your shoulders as you prepare and pack for your upcoming relocation!

Buy to Let Mortgages in Silver End

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Over a considerable length of time, we’ve been helping both seasoned and novice landlords with their buy to let mortgages. Our mortgage advisors in Silver End are well-versed in the intricacies of buy to let mortgages.

Generally, we find that a large number of landlords we work with will choose to use our services again in the future. They entrust us with handling the mortgage elements of their buy to let properties, thereby lessening their array of worries.

Remortgage in Silver End

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Securing the best mortgage deal is crucial to ensure you enjoy the most favourable terms. It’s probable that you’ve been tied to your mortgage for a considerable length of time, during which rates, products, and even your personal situation may have evolved.

Whether you’re a Silver End resident approaching the end of your existing deal or contemplating an early remortgage, we’re always prepared to assess your circumstances. Our goal is to help you in finding the most suitable deal that fits your requirements.

We’ve supported customers with a variety of needs, including home improvements, raising capital, securing a more advantageous deal, or consolidating their debts, among other things. Regardless of your goal, a mortgage advisor in Silver End is always on hand to provide advice.

Mortgages in Silver End For Over 50s

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If you’re a resident of Silver End and have reached the age of 50 or more, you might qualify for a variety of mortgage solutions specifically designed for homeowners and potential buyers entering their later years.

There could be numerous choices available to you, such as combined mortgages, retirement interest only (RIO) mortgages, term interest only (TIO) mortgages, traditional mortgages and remortgages, and even equity release in Silver End (for those aged 55 and above).

Mortgages in Silver End for individuals over 50 can be a particularly specialised area. Hence, it’s crucial to discuss with a proficient and professional mortgage broker in Silver End to fully understand the range of options open to you.

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Our Simple 4-Step Process

Take Advantage of our Book Online System

Step 1

Book a free appointment with one of our knowledgeable mortgage advisors in Silver End at a time that works for you, using our easy-to-use and completely free online booking system.

Free Mortgage Appointment - Speak to an Expert

Step 2

When you reach out to us, we’ll connect you with one of our dedicated mortgage advisors in Silver End.

They will take the necessary time to thoroughly understand your financial situation, assess your affordability, and if applicable, secure an AIP for you.

Finding a Suitable Product

Step 3

After your consultation with one of our Silver End mortgage advisors, they will diligently search through countless options to find the most advantageous deal for you.

If you are satisfied with the proposed choice, we will then move forward with your mortgage application.

Let's Submit Your Application!

Step 4

After you’ve completed your application, it must be sent to the bank or building society that will be providing the loan.

Our mortgage advisors in Silver End will take care of this process for you and regularly update you on its status!

Reasons to Choose Us

Free Appointment in Silver End

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If you’re in need of mortgage advice in Essex, whether it’s for a straightforward purchase, contemplating equity release via remortgaging, a later life product, or you’re keen on discovering your insurance options, or have any other questions, we’re here to provide the best possible assistance.

Our dedicated team of mortgage advisors in Essex is at your disposal 7 days a week, from early morning to late evening, offering you the convenience to arrange a discussion at a time and date that suits you best!

1000s of Mortgage Deals

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As a mortgage broker in Essex, we are equipped to meticulously scan through a multitude of distinct mortgage proposals, including some highly specialised mortgage products, to pinpoint the best options for our clients.

We boast a wealth of knowledge in managing a variety of home buying and mortgage circumstances. Our mortgage consultants are always up-to-date with the current mortgage lending regulations.

They are dedicated to doing all they can to help you in obtaining the most advantageous deal tailored to your unique requirements!

Malcolm and Amy Davidson - Mortgage Advice in Essex

Common Mortgage Questions in Silver End

What do I need to buy my first home in Silver End?

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Starting your property hunt in Silver End will require a few things:

  • A 5% deposit, which can be sourced from your savings, equity, or a gift from a family member.
  • A mortgage agreement in principle, which you can get from a mortgage advisor in Silver End.

When you’re prepared to submit your first mortgage application, you’ll need:

  • Identification such as a passport or driving licence.
  • A recent document that verifies your address.
  • Proof of your income for the last three months.
  • Bank statements for the previous three months.
  • Evidence of your deposit, like savings account statements.
  • A credit report could also be helpful.

You’ll be working with:

  • A mortgage broker in Silver End who is independent and not tied to a bank or estate agent.
  • An estate agent (you’ll need to give them your ID and mortgage agreement).
  • A conveyancer or solicitor (we can help you in locating one).
  • A surveyor, if needed (we can also provide assistance in this regard).

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

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

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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 Silver End are readily available to help you throughout this procedure, guiding you through your choices and helping you understand any costs related to additional borrowing.

The porting process usually requires you to meet the conditions stipulated by your existing mortgage provider, so a new application is still necessary.

If you’re not on a fixed rate, it could be beneficial to investigate the market for potential savings.

How many buy to let mortgages in Silver End can I have?

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The limit for buy-to-let mortgages isn’t set in stone; some customers may have hundreds, while others might only have a handful.

Whether you acquire properties on your own, in partnership, or through a limited company, the number of mortgages you can hold is generally unlimited, provided you meet the criteria established by your mortgage provider.

The quantity you decide to take on is largely influenced by your risk tolerance and your long-term goals.

These might encompass creating a pension income, replacing employment earnings, capitalising on property value growth, or building up an asset for future generations.

When should I look to remortgage in Silver End?

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You are free to consider remortgaging at any time, as long as you’re not tied into a fixed rate contract or if your property isn’t currently mortgaged.

If you’re in a fixed rate mortgage, it’s advisable to start thinking about remortgaging approximately 6 months before your existing contract concludes.

However, if you need to remortgage during a fixed rate agreement, it’s feasible, but bear in mind that there may be early repayment charges.

In these situations, our expert team of mortgage advisors in Silver End 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.

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

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Contrary to popular opinion among homeowners and prospective property buyers, there is a broad range of mortgage possibilities available for people aged 50 and over.

As an independent mortgage broker, we specialise in providing mortgage advice in Silver End, specifically designed for those interested in later life mortgages.

Here are the main areas we can help you with:

  • Remortgaging for clients aged 50 and over.
  • Property purchase for clients aged 50 and over.
  • Capital release for clients aged 50 and over.
  • Support with poor credit and debt consolidation for clients aged 50 and over.

If your circumstances don’t fit within the above categories, don’t hesitate to get in touch with us. We’re here to help in any way possible.

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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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