Mortgage Advice in Witham from Advisors with experience of every mortgage on the market.
For your FREE mortgage consultation call 01245 847678
About UsFor your FREE mortgage consultation call 01245 847678
Mortgage Advice in Witham from Advisors with experience of every mortgage on the market.
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 Advice in Witham
Welcome,
you’re in safe hands with a Mortgage Broker in Witham like us.
Our job is not just to find you a great mortgage deal, it’s also to provide you with our full help and guidance throughout the whole mortgage process!
Once you get in touch with our amazing team, we can get you booked in for your free mortgage consultation. We operate during out of usual office hours so that you can contact us when it suits you!
How does our service work?
Our Mortgage Advice Service in Witham
We go above and beyond for every one of our customers, we want to make sure that their mortgage process runs as smoothly as possible. Here’s how our process works:
1. Once you get in touch with our team, they will get a few bits of information from you and then get you booked in for your free mortgage consultation.
2. You’ll undergo your consultation with your dedicated Mortgage Advisor in Witham. They will get to learn a little more about your mortgage needs at this point of the process.
3. After your consultation, your mortgage advisor in Witham will arrange a mortgage agreement in principle for you within 24-hours. They will also be able to go away and search through 1000s of deals, trying to to find the best one for your personal and financial situation.
4. If your advisor picks you out a deal that you’d like to continue with, we can continue your mortgage application and then submit it when you’re ready to go! We will keep you informed of any changes made to the progress of your mortgage application.
Mortgage Broker in Witham vs Bank
We have access to 1000s of mortgage products, whereas banks can only access their own in-house deals. We have over 30 lenders on panel, we don’t just have access to a particular one!
More often than not, banks will have long waiting lists too. A mortgage broker in Witham like us, will make sure that you get a call back within 24-hours of your enquiry. We believe that responsiveness is essential during every step of the mortgage process, from start to finish!
We want the best for you! Our team will always choose the option that benefits you financially as well as your personal situation. We’ll be 100% open and honest with you throughout your whole journey.
Speak to a Mortgage Advisor in Witham today
Open 7 days a week
We work during out of usual office hours so that you can get in touch at a time best suited to your circumstances.
For your free mortgage consultation, get in touch with our team in Witham today.
We can’t wait to try and help you!
We search 1000's of mortgage deals across a large number of lenders, including:
About Us
We aim to provide the best customer service in everything that we do. We have been working in the Mortgage Broker industry for over two decades now, we know exactly what to do in almost every single mortgage situation. Speak to a Mortgage Advisor in Witham today
Follow Your Mortgage Broker in Witham on Social Media
We are regularly posting up-to-date content across our social media platforms. From the latest mortgage market updates to videos on why you should remortgage, you are sure to find something to help you with your mortgage.
Remortgage Advice in Witham
When you already own a home, there is no property chain! This means that your remortgage process will progress much quicker than a usual mortgage application. Claim your free remortgage consultation in Witham today.
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.
