It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
& 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!& 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
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From initial contact to the finalisation of your mortgage, and even after, we are committed to guiding and helping you every step of the way. As a mortgage broker in Wivenhoe, we offer a variety of services such as:
Regardless of your goals, you will find it beneficial to speak with a certified mortgage advisor in Wivenhoe. They will assess and compare various market options to ensure you get a deal that is well-aligned with your individual needs.
Navigating the world of mortgages can seem daunting, especially for those stepping into the housing market for the first time in Wivenhoe, devoid of any prior experiences of purchasing or owning a property.
As a mortgage broker in Wivenhoe, it’s our job to alleviate as much anxiety as possible, steadfastly committed to facilitating a smooth and hassle-free mortgage process, wherever we can!
Capitalising on the expertise and experience of our dedicated mortgage advisors in Wivenhoe, complemented by an exceptional team of mortgage administrators, rest assured, we will pull out all stops to help you in accomplishing your mortgage goals.
Being a first time buyer in Wivenhoe can be a stressful experience as you try to make your way through the complex mortgage landscape. Our dedicated team will look to provide simple and clear mortgage advice in Wivenhoe, looking to reduce your worries and streamline your home-buying journey.
As you journey with us, our experienced mortgage advisor will provide an approximate borrowing amount to give you a better understanding of what your financial options might look like.
In addition, within a day of your initial mortgage consultation, they can secure an agreement in principle for you – a crucial tool when making offers on properties.
Many believe that moving home in Wivenhoe ranks high among the most stress-inducing activities in life, particularly when a mortgage enters the equation.
However, present homeowners in Wivenhoe planning to progress to the next stage in life can breathe a sigh of relief because having a mortgage broker considerably eases this strain.
Our primary objective is to speed up your mortgage proceedings, aiming to take one less worry off your plate while you busy yourself preparing everything for your impending move!
We have a longstanding history of helping both new and experienced landlords with their buy to let mortgages, and our mortgage advisors in Wivenhoe possess in-depth knowledge of the criteria for buy to let mortgages.
What we’ve noticed over the years is that most of the landlords we liaise with rely on us again, entrusting us with the mortgage aspects of their buy to let properties, enabling them to have one less concern.
Typically, you’ll have secured your mortgage for a significant period, during which there might be shifts in rates, product options, and even in your individual circumstances.
Be it clients in Wivenhoe approaching the end of their existing contract, or individuals considering an early remortgage, we are always prepared to evaluate your case and guide towards securing an optimally tailored deal.
We commonly interact with customers on topics like home improvements, capital raising, obtaining a better deal or consolidating their debts, among other concerns. Whatever your objective might be, a mortgage advisor in Wivenhoe will be available to help you.
For our clients over 50 years old in Wivenhoe, it’s worth noting that there are a variety of mortgage products tailored to cater to homeowners and aspiring property owners in their later years of life.
Such alternatives are can include hybrid mortgages, retirement interest-only (rio) mortgages, term interest-only (tio) mortgages, standard mortgages, and remortgages. Additionally, equity release is an option in Wivenhoe, exclusively for customers over 55 years old.
Securing a mortgage in Wivenhoe when you’re above 50 tends to be a niche specialty, therefore, it is utterly vital that you liaise with a certified and seasoned mortgage broker in Wivenhoe in order to fully comprehend the array of options available to you.
It’s not just about getting a mortgage, it’s about understanding your options and making the best decision to secure your financial future.
Our Customers Love Us
5.00 Rating4 Reviews
Richard
Very good service and excellent communication - definitely recommended
3 months ago
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...
2 years ago
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...
3 years 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...
2 years 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...
3 years 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 !!
2 years 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 !!
3 years ago
Don’t hesitate to schedule a free discussion with our experienced mortgage advisors in Wivenhoe at your best available date and time. You can effortlessly make this arrangement through our user-friendly and no-cost digital booking platform.
Make contact with us, and you’ll be in touch with one of our committed mortgage advisors in Wivenhoe. Our experts will gain a comprehensive insight into your fiscal standing and evaluate your capacity to afford a mortgage, securing an Agreement in Principle for you, if suitable.
Following the conclusion of your meeting with a mortgage advisor in Wivenhoe, they will scour through thousands of alternatives to pinpoint the ideal offering for you. Assuming you hold their suggestion in high esteem, we’ll proceed with the processing of your mortgage application. Through this process, our mission is to make home owning dreams a reality for every client in and around Wivenhoe.
Once you’ve finalised your application, it needs to be forwarded to the mortgage provider. Our team of mortgage advisors in Wivenhoe will take care of this process for you and maintain regular updates on its progress!
Should you require mortgage advice in Essex, be it a general purchase query or you are looking to unlock equity through means of remortgage or a later life product, a curiosity about your insurance alternatives or any other mortgage related concerns, we are more than willing to help in any way possible.
Our diligent mortgage advisors in Essex are at your disposal all week long, giving you the liberty to schedule a call at a date and time that’s most convenient for you. We aim to streamline the process and shed light on the different mortgage options you have, given your unique circumstances.
As a mortgage broker in Essex, we leverage our in-depth knowledge and expertise to scan through thousands of unique mortgage offers, some of which represent highly specialised options, to identify the most advantageous solutions for our clients.
Our hands-on experience covers an expansive range of home buying and mortgage scenarios. Our dedicated team of mortgage advisors stay abreast with the latest lending guidelines in the mortgage sector. They are committed to navigating you through the maze of mortgage options to help you secure the best deal tailored to meet your specific objectives!
Before you start browsing properties, you will need the following:
When applying for your first mortgage, make sure to prepare:
You will be collaborating with:
Our team of mortgage advisors in Wivenhoe will be there for you throughout the process. We’ll provide you with a dedicated case manager to answer any of your questions.
If you currently have a fixed-rate mortgage, the majority of mortgage lenders will allow you to transfer it to a new property. Our team of mortgage advisors in Wivenhoe are here to help you, exploring viable options and elucidating any fees linked to extra borrowing.
Transferring, known as ‘porting’, typically requires you to meet current mortgage lender criteria. Hence, an application process remains an essential part. If your deal is not a fixed rate, it might be worth your while looking at the market for possible savings.
In the world of buy to let mortgages, there’s no standard ceiling; We’ve seen clients who possess an assortment, ranging from a few to hundreds.
Regardless of whether you purchase assets in Wivenhoe under your individual identity, a joint venture, or a corporation, the total number of mortgages you can acquire is theoretically limitless, as long as you meet the prerequisites of your chosen lender.
Your individual appetite for risk and long-term intentions can shape this decision significantly. Aspects like ensuring a steady flow of retirement income, contemplating a career change, leveraging property appreciation, or amassing wealth for successive generations can all influence this strategic course.
You have the liberty to remortgage anytime you wish, provided you’re not locked into a fixed-rate agreement, or your real estate is without any mortgage.
If your mortgage is on a fixed rate, it would be prudent to consider remortgaging approximately six months prior to your current agreements’ expiration. Even so, if you find yourself needing to remortgage during your fixed-rate deal, it’s not impossible, but bear in mind that early repayment charges might apply.
In such circumstances, our team of mortgage advisors in Wivenhoe are equipped to explore various avenues. These could include a second charge mortgage (also known as a secured loan) or a further advance from your existing lender. Our aim is to pinpoint the option that is the most economically efficient for your needs.
Despite a common perception among homeowners and prospective home buyers, a myriad of mortgage options exists specifically for individuals over the age of 50.
As an independent mortgage broker, we’re here to provide whole of market mortgage advice in Wivenhoe for later life mortgages. Here’s how we can come into play:
If you find yourself facing a circumstance not mentioned above and require assistance, please feel free to get in touch and we’ll see how we can help.
Read our 4 Reviews
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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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
Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm
