Moving Home Mortgage Advice in Essex

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Taking the Stress Away From Moving Home in Essex!

Many people say moving home is next to the most stressful experiences in life. Which is why with the help of a Mortgage Broker in Essex by your side, let us deal with the mortgage aspects to remove as much of the stress away as possible, leaving you to focus more on the move itself.

 

The main reason why moving home can be stressful is that you have both a purchase and sale to complete at the same time. Despite the paperwork and completions are left with your conveyancing solicitor. You will still have to secure your onward purchase as well as a buyer for your existing property within a time frame.

 

If you are looking to move home in Essex and want to know your options, our experienced team will be more than happy to help ensure that your home buying process goes as smoothly as possible. We will support you throughout the entire process, answering any related questions that you may have along your journey.

 

One of the benefits of a Mortgage Broker in Essex is we can search through 1000’s of mortgage products to find you the most suitable deal for your circumstances. If you are looking to move home in Essex, then please don’t hesitate to book yourself in for a free mortgage appointment to speak with one of our Mortgage Advisors in Essex today. Our team are ready to hear from you to start your moving home journey.

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Popular Moving Home Mortgage Advice in Essex Scenarios

If you are looking to relocate to Essex or looking to move within the surrounding area, our team of experienced Mortgage Advisors in Essex have helped many customers in the past achieve their moving home journey.

 

Working in the mortgage industry for over 20 years, here are some popular homes moving scenarios that our team came across along their experience.

 

How Much You Can Borrow & The Costs

Previous customers contacted us early in the process for mortgage advice in Essex. Usually, these customers were looking for an indication of the maximum amount they can borrow, at what interest rates, and what their monthly repayments would be.

 

Need an Agreement in Principle

During your Free Mortgage Consultation, your Mortgage Advisor in Essex will then search 1000’s of mortgage products to find you the most suitable deal for your financial and current circumstances. If you are happy with our recommendation, and are ready to proceed we can get you an agreement in principle. Armed with your mortgage agreement in principle (AIP), you are ready to put down any offers that you would like to put forward on your ongoing property purchase in Essex.

 

Your Offer on a New Home Has Been Accepted

If you have had your offer accepted on your new home in Essex, it is now back to your Mortgage Advisor in Essex to start your full mortgage application process. We can also help with the types of property surveys and recommend a good conveyancing solicitor.

 

Having Trouble with the Bank

There’s always a reason as to why your Bank or Building Society may decline your mortgage application. Maybe you didn’t meet the credit scoring criteria, or they simply will not lend you enough. Whatever the reason for your application being declined, it is still worth contacting a Mortgage Broker in Essex like ourselves, to explore your options.

 

We work with a range of specialist lenders who offer tailored products to clients that may have had credit issues in the past. Again, this will always come down to your individual circumstances and your credit file. Our Mortgage Advisors in Essex are very knowledgeable of these products and their criteria.

 

Above are the most popular scenarios as to why our customers reach out to us for Mortgage Advice in Essex when looking to move home. Worry not, if you do not fall into any of these categories, then please don’t hesitate to contact us. There is rarely a situation that we haven’t come across, and our team will be happy to assist you. Book your free mortgage appointment today to speak with one of our qualified Mortgage Advisors in Essex today.

Are you Looking to Move Home in Essex? We can help.

If you are looking to move home and want to know your options, then our team of experienced Mortgage Advisors in Essex will be able to help look at your financial and current circumstances. Working with you from your initial enquiry right through to receiving the keys to your new home.

 

Here at Essexmoneyman, every is very experienced with helping customers take that next step on the property ladder and there is rarely a situation that they haven’t come across.

 

All customers will receive a free no-obligation home mover’s review. As part of this review, your Mortgage Advisors in Essex will look at what you are trying to achieve and make sure that this fits within your affordability. Looking at both your monthly payments and the maximum you can borrow.

 

After having taken some initial details and what you are looking to achieve during your free home movers review. Your Mortgage Advisor in Essex will then go away and search through 1000’s of deals to find you the most suitable deal.

 

If you are happy with our recommendation, we will then look to obtain your mortgage agreement in principle. This will back up any offers that you would like to make.

 

Then when you have found your new home in Essex and have had your offer accepted. The team will then process your full mortgage application, taking care of everything right through until completion.

 

It’s not just about finding you the best mortgage; we will be able to help with the various surveys available to you and help obtain conveyancing solicitor quotes. Further to your mortgage recommendation, your Mortgage Advisors in Essex will also recommend appropriate insurances to help cover your mortgage in any unforeseen circumstances.

 

Our team are ready to help you achieve your moving home goal, we look forward to hearing from you.

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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.

We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links

Essexmoneyman.com & Essexemoneyman 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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk


Essexmoneyman, Elizabeth House, 28 Baddow Road, Chelmsford, Essex, CM2 0DG.

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