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Mortgage Broker in Takeley

& 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 Takeley

& 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 Takeley.

From your initial contact with us until the finalisation of your mortgage and even further, our commitment is to provide guidance and support in the best way we can. As a mortgage broker in Takeley, we offer a variety of services:

  • Assistance for first time homebuyers in Takeley
  • Support for clients who are moving home in Takeley
  • Buy to Let advice in Takeley
  • Guiding you through remortgages in Takeley
  • Finding mortgage options for our Takeley clients who are over the age of 50
  • Dealing with unique or complex mortgage situations in Takeley

Regardless of your objectives, you’ll gain from speaking with a skilled mortgage advisor in Takeley. An advisor can evaluate available options for you, ensuring that you’re on the path to secure a deal well-suited to your individual needs.

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Popular Mortgage Scenarios in Takeley

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

We understand that navigating the intricacies of the mortgage process can be daunting, especially for first time buyers in Takeley. With no prior exposure to home purchase and ownership, the task can seem formidable.

As a mortgage broker in Takeley, our mission is to alleviate as much stress as we can from the process. Our main goal? To help you sail through the mortgage hurdles with minimum hassle!

Our adept mortgage advisors, coupled with our proficient team of mortgage administrators in Takeley, are dedicated to helping you at every step. We’re here to help you triumph over your mortgage journey, irrespective of your present circumstances.

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Popular Mortgage Scenarios in Takeley

First Time Buyer Mortgages in Takeley

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Buying a home for the first time in Takeley can seem daunting, especially when it comes to securing a mortgage. Our team prides itself on giving clear and straightforward mortgage advice in Takeley, with an aim to take away some of the worry and to help make your journey a smoother one.

When you choose us for your mortgage services, our expert advisors can quickly provide a rough estimate of the amount you may be able to borrow, so you have a clear starting point in your property search.

Furthermore, our advisors can secure an agreement in principle for you within 24 hours of your first mortgage appointment. This is a critical step in the home buying process as it helps to strengthen your position when making offers on properties.

Moving Home Mortgages in Takeley

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Many people believe that moving home in Takeley could be among life’s most taxing events, especially when a mortgage is involved.

Fortunately, for current homeowners ready for their next life chapter, using a mortgage broker in Takeley can significantly reduce your stress.

Our aim is to navigate you through the mortgage process as rapidly as possible, affording you more time to organise and pack ahead of your upcoming move!

Buy to Let Mortgages in Takeley

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For an extended period, we’ve made it our business to help both new and experienced landlords with their buy to let mortgages. Our mortgage advisors in Takeley are experienced in navigating the nuances of buy to let mortgage requirements.

Generally, a substantial number of landlords we consult with often re-engage our services down the line. They entrust us with overseeing the mortgage aspect of their buy to let properties, thereby reducing their personal concerns.

Remortgage in Takeley

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Staying updated about your mortgage and ensuring that it is the finest deal for you is always a necessity. Your mortgage would likely have been in effect for a significant period, during which rates, product offerings, and even your personal situation might have altered.

Healthy financial management is crucial whether you are a Takeley resident nearing the end of your present arrangement or someone considering an earlier remortgaging. We are always eager to discuss your circumstances and explore the best ways to secure you the most advantageous deal.

Our discussions with clients often cover subjects such as house renovations, capital raising, securing a better deal, or debt consolidation, among others. No matter your plans or needs, our mortgage advisors in Takeley will be at your disposal to help. We aim to reshape your financial future to the best of our skills and abilities.

Mortgages in Takeley For Over 50s

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If you’re over 50 and based in Takeley, you’ll be pleased to know that a range of mortgage options specifically tailored for those moving towards the latter part of life is readily accessible.

Several possibilities may be on offer, including hybrid mortgages, retirement interest-only (rio) mortgages, term interest-only (tio) mortgages, standard mortgages and remortgages. Additionally, for those over the age of 55, equity release in Takeley is another available option.

It’s vital to note that mortgages for those over 50, here in Takeley, often fall within a specialist domain. As such, it’s crucial to liaise with a competent and professional mortgage broker based in Takeley for comprehensive understanding of the varied mortgage options at your disposal.

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Our Simple 4-Step Process

Take Advantage of our Book Online System

Step 1

Arrange a free chat with one of our seasoned mortgage advisors in Takeley at a time that suits your schedule, utilising our user-friendly and free digital booking platform.

Free Mortgage Appointment - Speak to an Expert

Step 2

When you contact us, we’ll link you up with one of our committed mortgage advisors in Takeley. They’ll take time to fully grasp your financial circumstances and evaluate what you can afford, guiding you towards an Agreement in Principle if it’s relevant to your situation.

Finding a Suitable Product

Step 3

Once your chat with your mortgage advisor in Takeley wraps up, they will sift through numerous choices to identify the finest arrangement for your needs. Should you agree to their suggestion, we will proceed with your mortgage application.

Let's Submit Your Application!

Step 4

Once your application is finished, it needs to be dispatched to the mortgage provider. Our skilled mortgage advisors in Takeley will handle this process for you, keeping you informed and up to date on its progression!

Reasons to Choose Us

Free Appointment in Takeley

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Are you in need of mortgage advice in Essex? Perhaps you’re considering purchasing a property, exploring options to release equity through remortgaging or a later life product, contemplating your insurance alternatives, or you simply have some queries. We are here and ready to extend our help in the most efficient way possible.

The team of committed mortgage advisors in Essex are at your service throughout the week, offering a flexible schedule from early morning until late evening. This means you can arrange a convenient session for discussions anytime that works best for you!

1000s of Mortgage Deals

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As experienced mortgage brokers in Essex, we have the capacity to explore thousands of diverse mortgage offers, encompassing even very niche mortgage products, in order to pinpoint the most beneficial options for our clients. We possess vast expertise handling all types of home purchasing and mortgage situations. Our dedicated mortgage advisors make it a priority to stay abreast of the prevalent mortgage lending standards, striving to help you secure the most favourable deal corresponding to your specific objectives!

Malcolm and Amy Davidson - Mortgage Advice in Essex

Common Mortgage Questions in Takeley

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

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When you’re ready to start browsing properties, here’s what you’ll need:

  • A deposit of 5%, this can be from savings, home equity, or a generous gift from a family member.
  • A mortgage agreement in principle, obtained from a mortgage advisor in Takeley.

For your first-time mortgage application, expect to provide:

  • Identification (like your passport or driving licence).
  • Recent evidence of your current address.
  • Proof of earnings for the past three months.
  • Bank statements for the past three months.
  • Proofs that you indeed have the deposit e.g., statements from your savings account.
  • A credit report might be necessary in some cases.

In this process, you’ll be working closely with:

  • A mortgage broker in Takeley, who isn’t tied to a specific bank or estate agency.
  • An estate agent, to whom you’ll provide your ID and mortgage agreement.
  • A conveyancer or solicitor. We can help you in finding one.
  • A surveyor may be necessary – we are able to lend a helping hand here as well.

Moreover, our dedicated mortgage team will be with you every step of the way. A committed case manager is available to respond to your queries.

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

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Should you be tied to a fixed-rate agreement, the majority of mortgage lenders are generally quite accommodating, allowing you to transfer your mortgage to another property. Our expert mortgage advisors can help you with the process, helping you to navigate through the numerous options and identify any additional borrowing costs.

Transferring, also known as ‘porting,’ means you will need to meet the current mortgage lending criteria that is set by your mortgage provider, which results in the need for application submission. If your mortgage isn’t tied to a fixed rate, then it would indeed be advantageous to explore the market in a bid to gain potential savings.

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

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Buy to let mortgages come without a fixed cap. You’ll find some of our clients holding hundreds, with others managing a few.

Ultimately, there are no definitive restrictions on the quantity of mortgages you can access, contingent on your eligibility to satisfy your lender’s requirements. The process typically hinges on your personal risk appetite and long-term strategies.

These could range from establishing a steady income for post-retirement years, substituting everyday employment, capitalising on potential property value increments, or crafting a legacy asset for forthcoming generations.

All things considered, the property investment journey in Takeley is yours for the taking, shaped by your unique financial circumstances and future aspirations.

When should I look to remortgage in Takeley?

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If you aren’t bound by a fixed rate arrangement or if your property is without a mortgage, you have the liberty to remortgage whenever you choose.

For those who are on a fixed rate mortgage, we typically recommend contemplating a remortgage about 6 months prior to the conclusion of your present contract.

Whilst early remortgaging is also something that is achievable during a fixed rate period, be aware that this may incur early repayment fees.

In situations like this, our dedicated team of mortgage advisors in Takeley can help examine other options such as a second charge mortgage, otherwise known as a secured loan, or an additional advance from your present mortgage lender to discover the most economical solution for your individual circumstances.

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

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While some homeowners and prospective buyers might think their choices are somewhat limited, a vast variety of mortgage options are actually available, especially for those aged over 50. As an independent mortgage broker in Takeley, we specialise in offering advice on later life mortgages. Here are some areas where we can provide assistance:

  • Remortgaging services for customers aged over 50
  • Property purchasing advice for customers aged over 50
  • Guidance on equity release for customers aged over 50
  • Solutions for bad credit and debt consolidation for customers aged over 50

If your situation doesn’t seem to fit into these categories, please don’t hesitate to reach out. Get in touch and we’ll see how we can help you, helping you to navigate the mortgage world with ease.

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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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