Mortgage Advice in Southend-on-Sea from dedicated Mortgage Advisors with over twenty years of mortgage industry knowledge.
For your FREE mortgage consultation in Southend-on-Sea call 01245 847678
About UsFor your FREE mortgage consultation in Southend-on-Sea call 01245 847678
Mortgage Advice in Southend-on-Sea from dedicated Mortgage Advisors with over twenty years of mortgage industry knowledge.
About Us
5.00 Rating3 Reviews
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...
1 year 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...
1 year 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 !!
1 year ago
- Mortgage Advice
- Why Us?
Open & Honest Mortgage Advisors in Southend-on-Sea
Welcome, rest assured you are in safe hands with our Mortgage Broker in Southend-on-Sea. Our aim is not just about finding you a great mortgage deal. We do our best to ensure our full support and guidance through your entire mortgage process. New/ existing customers benefit from a free mortgage consultation, so feel free to get in touch.
Your Mortgage Options
As a committed Mortgage Broker in Southend-on-Sea, it’s not uncommon to come across a complicated mortgage situation. There is rarely a day that goes by where our experienced Mortgage Advisors in Southend-on-Sea are dealing with a complex scenario.
Don’t forget that we deal with all the different types of mortgages in Southend-on-Sea. Your Mortgage Broker in Southend-on-Sea specialises in all various types of mortgages, so if your situation is a little unique, it’s still likely that we can help, so don’t hesitate to get in touch.
Mortgage Broker in Southend-on-Sea vs Bank
We work solely for you, and we always have your best interests at heart. Our Mortgage Advisors in Southend-on-Sea aim to speak to you on the same day of your enquiry, whereas if you were to approach a bank, you could be waiting weeks to talk to someone.
Your bank will only have access to their in-house deals, whereas a Mortgage Broker in Southend-on-Sea like us has a whole panel of lenders that we can search through to find your perfect deal. You shouldn’t just approach your bank because it’s “easier”. In some cases, it’s a lot simpler and faster process by using a Mortgage Broker in Southend-on-Sea!
Our Mortgage Advice Service
Sometimes, people don’t know how helpful a Mortgage Broker can be. If you choose to contact us, we aim to take care of you every step of the way to ensure that you have the smoothest and most stress-free mortgage experience possible.
First of all, once you get in touch, we will arrange a short telephone call with you to get some essential information from you to link you with the ideal Mortgage Advisor in Southend-on-Sea who specialises in your specific mortgage situation.
Within 24-hours of your enquiry, we will process your details and arrange your free mortgage consultation with a devoted Mortgage Advisor in Southend-on-Sea.
Your free mortgage consultation can last around 30-minutes. If you are already searching through properties and are taking up property viewings, your Mortgage Advisor in Southend-on-Sea can prepare a mortgage agreement in principle for you too.
Your Mortgage Advisor in Southend-on-Sea will search through 1000’s mortgage deals on your behalf, finding you the best-tailored deal that saves you time and money.Â
Outstanding Mortgage Advice
Customer service resides at our company’s heart, and we wouldn’t be able to manage it if it wasn’t for our outstanding team. We will hold your hand to ensure that you get the best service possible from start to finish. Please look at our fantastic customer reviews to see what other customers have said about our outstanding advice service.
We search 1000's of mortgage deals across a large number of lenders, including:
About Us
Our entire workforce are proud of the level of customer service we provide; it is at the heart of everything we do as a company. Whether you are dealing with a mortgage advisor or an administrator, our team are here all throughout the week until late at night, supporting you and you and your mortgage needs!
Find Your Mortgage Broker in Southend-on-Sea on Social Media
Look out for us on Facebook and Twitter too, regularly sharing news and mortgage tips from our website - it is always worth checking up to see if there is something that could help you. If you have a mortgage enquiry, we always have someone ready to respond to any direct messages.
Stress-Free Remortgage Advice in Southend-on-Sea
We will be here to assist you through the Remortgage process too. You already own the home, so no more property chain! We will get the process underway and completed as quickly as possible, so that you can go back to enjoying your home.
Common mortgage questions
Your free initial mortgage consultation in Essex will last roughly around one hour. Your mortgage advisor will then recommend a mortgage for you with no obligation for you to proceed and you are then able to decide whether or not you wish to go ahead with the mortgage.
As your mortgage broker in Essex, we will need to carry out a Fact Find to establish what your needs are, prior to us recommending the most suitable mortgage for you and your circumstances. A credit check will be required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, you will be able to receive a formal mortgage offer.
To avoid the potential of having an offer rejected, we recommend you obtain an Agreement in Principle before viewing properties in Essex. We recommend that at the very latest, you should obtain one before you look at making an offer, as this can assist your bargaining position.
Your Agreement in Principle will usually last for between 30 and 90 days, depending on the lender that you go with. If it happens to expire, your mortgage broker in Essex can easily refresh this.
If you’re thinking about the future of your property, whether you’re looking at debt consolidation or home improvements, you may eligible for a second mortgage. This may also be a possible option if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.
The minimum deposit required by a high street lender when purchasing a house in Essex, is typically 5%. If you have had past credit issues, this could be higher.
If you have had previous credit problems, the good news is you can still get a mortgage, though you may possibly have to put down a higher deposit than those with good credit, often around 15% of the property purchase price.
Once you have put forward at least one year’s accounts, you will be able to get a mortgage. A vast amount of lenders will use your salary plus dividend to determine the maximum mortgage you are eligible for, whereas others may go off your net profit.
For an employee to prove their income, they’re usually required to provide three payslips, whilst for self-employed applicants they’ll need the latest 2 years’ accounts. You will also need to present the lender with proof of ID, address and the latest 3 months’ bank statements.
When you engage in a free mortgage consultation with one of our Mortgage Advisors in Essex, your discussion will take around one hour. Our team can usually produce an Agreement in Principle within 24 hours of your appointment and achieve a formal mortgage offer within three weeks.
