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Moving Home Mortgage Advice in Essex

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We Take the Stress Away From Moving Home in Essex!

If this is your first time moving home or you haven’t done the process in a while and selling can seem scary. That is without a professional Mortgage Advice Team on your side! We’re here to hold your hand throughout the whole Moving Home Process and whatever hurdles we should meet along the way. We’re with you from your initial enquiry right through to your completion day.

 

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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Moving Home Mortgage Advice in Essex

People have gotten in touch to seek Mortgage Advice in Essex and here are some of the reasons they may be doing so:

  • Is your current property on or soon to be ‘on the market’ and you’re wanting to know how much you can borrow and how much your repayments will be?
  • Have you sold your house and are wanting to make an offer on a new property?
  • Already had your offer accepted and want to get going with your mortgage application?
  • Would like a Mortgage Agreement in Principle Certificate to back-up any offers you are ready to make?
  • Already visited your Bank’s Mortgage Advisor and been declined? i.e. poor credit, income mix, the bank won’t lend enough, not fitting their lending criteria etc
  • Do you have an unusual or complex mortgage situation and need help?

If you fall into any of these categories or even something else, we will do all we can to help.

Why choose Essexmoneyman as your Moving Home Mortgage Broker?

As a fast and friendly Mortgage Broker in Essex, we work with you to make sure you end up with the closest mortgage that you’re trying to choose without any outside involvement from Banks, Building Societies or Estate Agents. Our Mortgage Advisors in Essex will look out for only your best interests!

 

  • Free no obligation mortgage consultation for all customers.
  • We are not tied to any Estate Agents, Bank or Builders and have your sole interests at heart.
  • Our expert mortgage advisors are here 8am – 10pm to answer all of your mortgage needs. Getting through to an advisor will never be a problem.
  • We can search 1000’s of mortgages to find you the best deal for your circumstances.
  • We can offer a video call or over the telephone Mortgage Advice in Essex.

 

Contact us to book your free moving home mortgage consultation.

What our customers say

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.

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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 authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.


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

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