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Mortgage Broker in Walton-on-the-Naze

& 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 Walton-on-the-Naze

& 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 Walton-on-the-Naze.

From your initial contact with us, right through to the finalisation of your mortgage and beyond, we’re committed to providing you with the best possible support and guidance. As a mortgage broker in Walton-on-the-Naze, here are just a few services we can help you with:

  • First time buyers in Walton-on-the-Naze
  • Clients planning to move home in Walton-on-the-Naze
  • Buy to Let services in Walton-on-the-Naze
  • Remortgaging services in Walton-on-the-Naze
  • Mortgage options for clients in Walton-on-the-Naze who are over 50
  • Specialist mortgage scenarios in Walton-on-the-Naze

Regardless of your mortgage goals, you’ll find value in chatting with a certified mortgage advisor in Walton-on-the-Naze. They will compare available market options to ensure you secure the most suitable deal for your unique situation.

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Popular Mortgage Scenarios in Walton-on-the-Naze

All of our customers receive a free mortgage appointment in Walton-on-the-Naze!

We understand that navigating the mortgage process can be daunting, especially for those in Walton-on-the-Naze who are stepping onto the property ladder for the first time and have no previous experience of purchasing or owning a home.

As a mortgage broker in Walton-on-the-Naze, we strive to alleviate your concerns as much as possible, aiming to facilitate a smooth, hassle-free mortgage process wherever possible!

Leveraging the expertise and experience of our mortgage advisors in Walton-on-the-Naze, along with our dedicated team of mortgage administrators, we are committed to doing everything within our power to help you succeed with your mortgage, no matter what your circumstances may be.

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Popular Mortgage Scenarios in Walton-on-the-Naze

First Time Buyer Mortgages in Walton-on-the-Naze

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Buying your first home in Walton-on-the-Naze can be a daunting and complex process, especially when it comes to securing a mortgage.

Our mission, as a team dedicated to providing straightforward and comprehensible mortgage advice in Walton-on-the-Naze, is to reduce your worries and make your journey as simple as possible.

During your interaction with us, your mortgage advisor will provide you with an approximation of how much you may be able to borrow, giving you a ballpark figure to work with.

Furthermore, your advisor will strive to secure an agreement in principle for you, a crucial step when placing offers on properties, within 24 hours of your initial mortgage consultation.

Moving Home Mortgages in Walton-on-the-Naze

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Many believe that moving home in Walton-on-the-Naze can be one of life’s most challenging experiences, particularly when a mortgage is involved.

Fortunately, for current homeowners ready to progress in life, having a mortgage broker in Walton-on-the-Naze can significantly reduce your stress.

Our aim is to guide you through the mortgage process as swiftly as possible, lightening your load as you prepare and pack for your upcoming move!

Buy to Let Mortgages in Walton-on-the-Naze

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For a considerable period, we have been helping both new and existing landlords with their buy to let mortgages. Our mortgage advisors in Walton-on-the-Naze are highly skilled in dealing with buy to let mortgage requirements.

Typically, we have noticed that many landlords we interact with often return to us for managing the mortgage aspects of their buy to let properties. This provides them with the convenience of having one less concern to manage.

Remortgage in Walton-on-the-Naze

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Maintaining an advantageous position with your mortgage is always important, ensuring you’re availing the best possible deal. Given that your mortgage is likely a long-term commitment, it’s probable that rates, products and even personal circumstances have shifted over time.

Whether it’s clients in Walton-on-the-Naze nearing the end of their current agreement or those contemplating an early remortgage, we’re always ready to assess your situation and find ways to secure the most beneficial deal for you.

We often engage with our customers on a variety of needs including home renovations, capital raising, securing a better deal or consolidating debts, among others. No matter what your goal is, a mortgage advisor in Walton-on-the-Naze is always available to help you.

Mortgages in Walton-on-the-Naze For Over 50s

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If you are a Walton-on-the-Naze resident aged 50 or above, you might be eligible for a range of mortgage products specially tailored for homeowners or potential home buyers approaching their later years.

These options could encompass hybrid mortgages, retirement interest only (rio) mortgages, term interest only (tio) mortgages, standard mortgages and remortgages, in addition to equity release in Walton-on-the-Naze (available for customers aged 55 and above).

Mortgages in Walton-on-the-Naze for those over 50 can often be a complex field, which is why it’s crucial to speak with a skilled and professional mortgage broker in Walton-on-the-Naze to fully comprehend your various options.

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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 dedicated mortgage advisors in Walton-on-the-Naze at a time that suits your schedule, utilising our easy and cost-free online reservation platform.

Free Mortgage Appointment - Speak to an Expert

Step 2

When you contact us, one of our committed mortgage advisors in Walton-on-the-Naze will be at your service. They will make sure to understand your financial status and evaluate your borrowing capacity, securing an Agreement in Principle for you if suitable.

Finding a Suitable Product

Step 3

Once you’ve had your meeting with one of our mortgage advisors in Walton-on-the-Naze, they will sift through thousands of possibilities to locate the most favourable deal for you. If their suggestion meets your approval, we’ll proceed with your mortgage application.

Let's Submit Your Application!

Step 4

Once you’ve finished filling out your application, it needs to be forwarded to the lending institution. Don’t worry, our mortgage advisors in Walton-on-the-Naze will handle this task for you and consistently update you about its progress!

Reasons To Choose Us

Free Appointment in Walton-on-the-Naze

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Should you require mortgage advice in Essex concerning a standard purchase enquiry, contemplating equity release through a remortgage or a later life product, exploring your insurance possibilities, or have any other queries, we’re here to provide the best assistance we can.

Our committed mortgage advisors in Essex are accessible throughout the week, from dawn to dusk, ensuring you have the flexibility to arrange a discussion 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 capability to sift through thousands of diverse mortgage deals, including some particularly specialised mortgage products, to identify the most favourable options for our clients.

Our team has amassed considerable expertise in handling a broad spectrum of home purchasing and mortgage situations. Our mortgage advisors consistently stay abreast of the latest mortgage lending criteria. They are committed to doing their utmost to help you secure the most advantageous deal for your specific goals!

Malcolm and Amy Davidson - Mortgage Advice in Essex

Common Mortgage Questions in Walton-on-the-Naze

What do I need to buy my first home in Walton-on-the-Naze?

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To begin your property search, you will require:

  • A minimum deposit of 5%, which can be sourced from savings, equity, or a gift from a family member.
  • An agreement in principle for a mortgage from a mortgage advisor based in Walton-on-the-Naze.

When applying for your first mortgage, you will need to provide:

  • Identification such as a passport or driver’s licence.
  • A recent document proving your current address.
  • Proof of earnings for the past 3 months.
  • Bank statements from the last 3 months.
  • Evidence of your deposit, for instance, statements from your savings account.
  • You might also need to consider obtaining a credit report.

You will be liaising with:

  • A mortgage broker in Walton-on-the-Naze, who is independent and not affiliated with any bank or estate agency.
  • An estate agent (you will need to provide them with your ID and mortgage agreement).
  • A conveyancer/solicitor (we can help you in finding one).
  • If necessary, a surveyor (we are also able to help with this).

Our dedicated mortgage team will be with you every step of the way. You will be assigned a personal case manager to answer any queries you may have.

Can I port my existing mortgage to a new property in Walton-on-the-Naze?

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If you currently have a fixed-rate mortgage, the majority of lenders will permit you to shift it to a new property.

Our group of mortgage advisors in Walton-on-the-Naze is at your disposal to help you in this process, guiding you through different alternatives and clarifying any expenses associated with extra borrowing.

Transferring, or ‘porting’ your mortgage typically necessitates that you satisfy the current lender’s requirements, meaning an application is still required.

If your mortgage isn’t fixed rate, it may be worthwhile to scan the market for potential financial benefits.

How many buy to let mortgages in Walton-on-the-Naze can I have?

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Buy to let mortgages don’t have a fixed maximum limit; some clients may own hundreds, while others have merely a few.

Regardless of whether you purchase properties individually, jointly, or via a limited company, the quantity of mortgages you can obtain is typically unrestricted, as long as you can satisfy your lender’s requirements.

Your risk appetite and future objectives, such as retirement earnings, job replacement, capitalising on property growth, or creating an asset for upcoming generations, will dictate the number of mortgages you can manage.

When should I look to remortgage in Walton-on-the-Naze?

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You are at liberty to remortgage whenever you wish, provided you are not locked into a fixed rate agreement or if your property is already free from a mortgage.

If you currently have a fixed rate mortgage, it would be ideal to contemplate remortgaging approximately 6 months prior to the end of your existing agreement. However, it’s worth noting that if you need to remortgage within a fixed rate agreement, it’s possible but you may be subject to early repayment fees.

In such situations, our team of mortgage advisors in Walton-on-the-Naze can investigate other options such as a second charge mortgage (secured loan) or an additional advance from your current lender in order to identify the most financially beneficial solution for you.

Can I get a mortgage in Walton-on-the-Naze if I'm aged over 50?

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While some homeowners and potential home buyers may feel their options are limited, a wealth of mortgage solutions exist for individuals over 50.

As an independent mortgage broker in Walton-on-the-Naze, we specialise in advising on mortgages for those in their later years. Here’s how we can help:

  • Remortgaging options for customers over 50
  • Property purchase help for customers over 50
  • Equity release strategies for customers over 50
  • Support with poor credit and debt consolidation for customers over 50

Should you require assistance with a situation not mentioned above, please don’t hesitate to contact us. We’re here to explore how we can support you.

We search 1000s of mortgage deals in Walton-on-the-Naze

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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.

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