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Mortgage Broker in Thundersley

& 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 Thundersley

& 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 Thundersley.

From the first time contact us, through to the completion of your mortgage and beyond, we’ll be here to guide and support you as best as we can. As a mortgage broker in Thundersley, these are just some of the services we can help with:

  • First time buyers in Thundersley
  • Customers who are moving home in Thundersley
  • Buy to Let in Thundersley
  • Remortgages in Thundersley
  • Mortgage options for customers in Thundersley aged 50+
  • Specialist and/or mortgage situations in Thundersley

No matter what you’re looking to achieve, you’ll benefit from speaking to a qualified mortgage advisor in Thundersley. They’ll be able to compare what’s available to you on the market, to ensure you are on the most suitable deal for your personal circumstances.

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Popular Mortgage Scenarios in Thundersley

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

We know that the mortgage process can be challenging for some customers, particularly those who are first time buyers in Thundersley with no prior experience of home buying and home owning.

As a mortgage broker in Thundersley, we aim to minimise your stresses as much as we can, trying to ensure you have a problem free, straightforward mortgage process, if we can help it!

Using the knowledge and experience of our mortgage advisors in Thundersley, as well as our team of mortgage administrators, we’ll do everything we can to help you achieve success with your mortgage, regardless of the situation you are in.

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Popular Mortgage Scenarios in Thundersley

First Time Buyer in Thundersley

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As a first time buyer in Thundersley, it can be stressful and challenging trying to navigate the market and obtain a mortgage.

As a team that is centred around providing clear and easy to understand mortgage advice in Thundersley, it’s our goal to try and reduce your stress and simplify your journey for you.

During your experience with us, your mortgage advisor will be able to give you an estimate of the amount you could borrow, so you know roughly what to expect.

They’ll also be able to obtain an agreement in principle, an extremely important tool for making offers on properties, for you, within 24 hours of your initial mortgage appointment.

Moving Home in Thundersley

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In the opinion of many, moving home in Thundersley can be one of the more stressful things you’ll experience in life, especially when you have to factor in a mortgage.

Thankfully, for existing homeowners who are looking to take that next step in life, having a mortgage broker in Thundersley can help to greatly limit your stress levels.

It’s our goal to get you through the mortgage process as quickly as we can, giving you one less thing to deal with whilst you get everything packed and sorted ahead of your future move!

Buy to Let in Thundersley

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We’ve been helping new and existing landlords with their buy to let mortgages for quite some time now and our mortgage advisors in Thundersley are well-versed in buy to let mortgage criteria.

Generally, we find that a lot of the landlords we speak to will get back in touch with us in the future, to handle the mortgage side of their buy to let properties on their behalf, giving them one less thing to worry about.

Remortgaging in Thundersley

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It’s always important to stay ahead of the curve with your mortgage, making sure you’re on the best deal that could possibly be available to you. You’ve likely taken your mortgage out for a considerable amount of time, rates, products and even your personal circumstances are likely to have changed over time.

Whether it’s customers in Thundersley reaching the end of their current deal or people looking to remortgage early, we’re always happy to take a look at your situation and see what steps we can take to ensure you’re on the most suitable deal.

Common instances we’ve spoken to customers about include home improvements, capital raising, accessing a better deal or consolidating their debts, just to name a few. Regardless of what you’re looking to do, a mortgage advisor in Thundersley will be on hand to see how they can help.

Mortgages in Thundersley for Over 50s

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For customers in Thundersley who are over the age of 50, you’ll find that you could have access to a variety of different mortgage products that are designed to work for homeowners and home buyers who are heading towards later life.

The options that can be available can include hybrid mortgages, retirement interest only (rio) mortgages, term interest only (tio) mortgages,  standard mortgages and remortgages, as well as equity release in Thundersley (for customers over the age of 55).

Mortgages in Thundersley for over 50s are often a very specialist area and it is key that you get in touch with a qualified and professional mortgage broker in Thundersley, to understand what your different options are.

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Our Simple 4-Step Process

Take Advantage of our Book Online System

Step 1

Book a free chat with one of our experienced mortgage advisors in Thundersley at a time and date that works best for you, using our convenient and free online booking system.

Free Mortgage Appointment - Speak to an Expert

Step 2

When you reach out to us, you’ll be connected with one of our dedicated mortgage advisors in Thundersley. They’ll get a clear understanding of your financial situation and assess your affordability, obtaining you an Agreement in Principle if applicable.

Finding a Suitable Product

Step 3

Upon completion of your appointment with one of our mortgage advisors in Thundersley, they will take a look through thousands of options to find the best deal for you. If you approve of their recommendation, we’ll go ahead with your mortgage application.

Let's Submit Your Application!

Step 4

Upon completion of your application, it must be sent to the lender. Our mortgage advisors in Thundersley will do this for you and keep you updated on the status of it!

Reasons to Choose Us

Free Appointment in Thundersley

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If you are looking for mortgage advice in Essex regarding a general purchase enquiry, looking at releasing equity either via a remortgage or a later life product, are interested in your insurance options, or have any other questions, we’re happy to help as best as we can.

Our dedicated mortgage advisors in Essex are available all throughout the week, from early until late, meaning you are free to book in for a chat at any date or time that suits you best!

We Search 1000s of Deals

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As a mortgage broker in Essex, we are able to search through 1000s of different mortgage deals, some of which include highly specialist mortgage products, to find the best possible options for our customers.

We have a lot of experience in dealing with a wide variety of home buying and mortgage circumstances, with our mortgage advisors all ensuring they keep up to date with current mortgage lending criteria. They’ll do what they can to ensure you find the best deal for what it is you’re looking to achieve!

Malcolm and Amy Davidson - Mortgage Advice in Essex

Common Mortgage Questions in Thundersley

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

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To start viewing properties, you’ll need:

  • A 5% deposit from savings, equity, or a family gift.
  • A mortgage agreement in principle from a mortgage advisor in Thundersley.

For your first mortgage application:

  • ID (passport, driver’s licence, etc.).
  • Recent proof of address.
  • 3 months proof of earnings.
  • 3 months bank statements.
  • Proof of deposit, e.g., savings account statements.
  • Consider a credit report if needed.

You’ll work with:

  • A mortgage broker in Thundersley (not tied to a bank or estate agent).
  • Estate agent (provide ID and mortgage agreement).
  • Conveyancer/solicitor (we can help find one).
  • Surveyor if needed (we can help here).

Our mortgage team is here for you throughout. You’ll have a dedicated case manager to answer your questions.

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

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If you’re on a fixed-rate deal, most mortgage lenders will allow you to transfer it to a new property.

Our team of mortgage advisors in Thundersley can help you with this, helping you explore options and understand any costs for additional borrowing.

Porting often requires you to meet existing mortgage lender criteria, so an application is still needed. If you’re not on a fixed rate, it could be beneficial to search the market for potential savings.

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

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There’s no set limit on buy to let mortgages; some customers own hundreds, while others have just a couple.

Whether you buy properties in your name, jointly, or through a limited company, the number of mortgages you can have is generally unlimited, providing you are able to meet your lender’s criteria.

It all depends on your risk tolerance and future plans, such as retirement income, replacing a job, capitalising on the growth of a property, or building an asset for future generations.

When should I look to remortgage in Thundersley?

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You’re free to remortgage at any time if you’re not tied into a fixed rate deal or if your property is mortgage-free.

If you have a fixed rate mortgage, it’s advisable to consider remortgaging about 6 months before your current deal ends. That being said, if you need to remortgage during a fixed rate deal, you can although there might be early repayment charges.

In such cases, our team of mortgage advisors in Thundersley can explore alternatives like a second charge mortgage (secured loan) or a further advance from your current lender to find the most cost-effective option for you.

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

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Even though many homeowners and home buyers might believe their choices are restricted, there are numerous mortgage options available for those over 50.

We are an independent mortgage broker, focusing on providing mortgage advice in Thundersley for later life mortgages. Here are the key areas we can help with:

  • Remortgages for over 50s customers
  • Property purchases for over 50s customers
  • Releasing capital for over 50s customers
  • Helping with bad credit & debt consolidation for over 50s customers

If there is another situation not listed that you need help with, please do feel free to get in touch and we’ll see how we can help.

We Search 1000s of Mortgages in Thundersley

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Essexmoneyman.com & 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 www.register.fca.org.uk

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