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Specialist Mortgage Advice in Essex

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7 days a week, 8am - 10pm

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Specialist Mortgage Advice in Essex

Specialist mortgage advice in Essex tailored for your financial situation.

Speak to an Advisor - It's Free!

We look at solutions for specialist mortgages in Essex for complex situations.

For some applicants, they may struggle to obtain a mortgage initially and can involve a little creative thinking. As a mortgage broker in Essex, we are usually capable of dealing with complicated situations, there is rarely a situation that our advisors haven’t encountered and dealt with before.

Here at Essexmoneyman, we have access to a large number of mortgage lenders that we have on panel, many of whom offers specialist mortgage products that cater to people who are maybe having a difficult time obtaining a mortgage, due to not meeting their banks’ lending criteria.

Our mortgage advisor in Essex will work alongside you to help you through your mortgage situation, especially if your case is slightly complex, their help will be highly beneficial to you in the long run.

It’s their job to try and pair you with the most suitable mortgage deal for your individual circumstances. We aim to try and do everything we can for the first time.

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Specialist Mortgage Advice in Essex

Our service may benefit you when looking for specialist mortgage advice in Essex.

We spoke to customers in the past who have been rejected by their high street bank at the very last minute. This sometimes happens when the mortgage process is already underway and then they’re dropped, sometimes even with an explanation.

In these cases, the bank’s Mortgage Advisors in Essex should’ve been able to prevent this at the outset by making sure you were right for that mortgage, saving you time, money and preventing you from feeling stressed and frustrated.

Without being completely confident of lending criteria prior to your application, you could actually harm your chances of getting a mortgage full stop. In complex cases, obtaining a mortgage can be a challenge!

Having worked in the industry for over 20 years, we have a lot of experience in dealing with customers who have complex situations, book yourself in for a free mortgage appointment to speak with a trusted mortgage advisor in Essextoday.

Do you require a specialist mortgage advisor in Essex?

At Essexmoneyman, our mortgage advisors in Essex are experts in their field and have access to a diverse range of specialist deals from various lenders, each with their own unique lending criteria. We work to find the most suitable deal for our clients based on their financial and personal circumstances.

Our team of mortgage advisors in Essex use their extensive knowledge and expertise to guide our clients towards the most appropriate mortgage deal. If you have concerns about your credit score, we recommend obtaining an up-to-date copy of your credit report. This will be helpful during your initial mortgage appointment, where we can assess your situation and determine if we can assist you in achieving your mortgage goals.

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Common FAQs for Specialist Mortgages in Essex

What is bad credit for a mortgage in Essex?

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If you struggle with managing your finances and have missed any outgoing payments, it could negatively impact your credit score in Essex. The severity of the impact on your score depends on the number and type of missed payments.

Can I remove a CCJ from my credit file in Essex?

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Upon receiving a CCJ, you have a limited time to pay off the debt and have it removed from your credit file. The court allows a 30-day period to repay the owed amount. Fulfilling this obligation enables the court to approach the registry and remove the CCJ from your credit file.

However, failing to repay the owed amount will result in a permanent record of the CCJ listed on your credit file for six years.

When should debt consolidation in Essex be considered?

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Many homeowners will remortgage in Essex to release equity from their homes. There are many reasons why you could raise capital, from raising funds for home improvements to giving a deposit to help a family member climb the property ladder.

If you are struggling financially and every other avenue has been exhausted, then you might need to look at debt consolidation in Essex. Although a risky decision and not something to take lightly, remortgaging to release equity for debt consolidation purposes in Essex can be a way to combine your monthly expenses into another affordable monthly outgoing.

Providing clear and transparent mortgage advice in Essex, we will review your circumstances and help you determine if debt consolidation in Essex is the best option for you.

You should think carefully before securing other debts against your home. By adding your unsecured debt to your mortgage, which is secured on your home, you may endanger your home if you can’t make the necessary repayments.

Although the total monthly cost of servicing your debt may have been reduced, the total repayment cost may still have increased because the duration of your mortgage is longer than it may have taken to repay the original debts.

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Our Simple Remortgage Process

Free 30-Minute Mortgage Review

Step 1

At your free mortgage appointment, your mortgage advisor in Essex will gather information about your income and expenses to calculate your affordability.

We Can Search 1000s of Mortgage Deals

Step 2

We understand that some situations can be limiting, which is why we search through a thousand deals to find you the best possible option available.

Once we have identified the most suitable deal, we will obtain an agreement in principle to support any purchase offers you make.

Submit Your Mortgage Application

Step 3

Upon accepting your purchase offer, our mortgage advisor in Essex will submit your full mortgage application along with the required evidence documents.

Throughout the process, our dedicated case manager will keep you informed until you receive your mortgage offer and complete your purchase.

Protecting You and Your Mortgage

Step 4

In addition to securing the best deal, we also recommend relevant insurance to provide financial protection for you and your loved ones.

We will also be in touch with you when your mortgage is due for renewal to ensure you remain on the best possible deal.

Reasons to Choose us

Free Mortgage Appointment

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Credit reports can come in handy when it comes to you attending your free initial mortgage appointment, as your report will give our Mortgage Advisors in Essex a better idea of what you are like, your targets and the sort of deals that might be appropriate for where you are at financially and personally.

1000s of Mortgatge Deals

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Here at Essexmoneyman we have access to specialist mortgage lenders on panel, each with their own lending criteria, matching you with a suitable lender will help you progress further with your mortgage related goals.

Our Mortgage Advisors in Essex will utilise their experience and knowledge to recommend to our customers the best mortgage deal that matches their current situation. If you have any questions regarding your credit score, then we recommend that you ask for up-to-date copy of your credit report.

Our Service

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Customers are the heart of this company, we work for you and always putting you first. During your mortgage process you are our responsibility and no matter what we will have your best interests at heart.

Our fast & friendly Mortgage Advice in Essex team will always try to ensure you receive high-quality service throughout, keeping you informed, and being as responsive as possible.

7 Days a Week

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We want you to go into your new home with a brilliant mortgage deal that matches up with your personal and financial circumstances. As a company that has built up a reputation for providing clear & simple Mortgage Advice in Essex, we will be there every step of your mortgage journey. Book your free mortgage appointment today to speak with one of our dedicated mortgage advisors in Essex today.

Malcolm and Amy Davidson - Mortgage Advice in Essex

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Common Specialist Mortgage Scenarios

Mortgage Advice in Essex

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When a mortgage applicant is experiencing a difficult process and can’t seem to find a lender that will accept them, we will be here ready to provide them with expert mortgage advice in Essex and guide them through their journey.

As a mortgage broker in Essex that is both trusted and experienced within the world of mortgages, over 20 years of working in the industry we have spoken to many customers, each with very different mortgage scenarios to one another.

Property Down Valuation

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After a property survey has been performed on your potential new home, only to discover that the accepted offer you put forward was actually above how much the property is worth, you have on your hands a Property Down Valuation.

This doesn’t mean it’s impossible to work around something like this, it just makes it a lot more difficult and the chances are that your lender will just pull out of the deal. If you have the ability to make up the difference between your offer and the genuine value of the property, then you may have a slightly better chance of success.

Divorce & Separation Mortgage Advice

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During a divorce or separate, sorting out any joint finances, like your mortgage, can be quite tricky to work with. You need to make sure you get this sorted sooner rather than later, as the longer you leave it, the more difficult it would be.

Remove a Person From a Mortgage

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If you do happen to be getting divorced or separating, you will probably be wanting to remove your own name or your ex-partner’s name from the mortgage you are currently both on.

Depending on your affordability and if the payee has financial stability, both of your options will be limited going forward, as a lender prefers two incomes to one.

Single Name Mortgages for Married Applicants

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If you’re married and in the market for a mortgage on a home for you and your partner, you’ll find that lenders would much rather that two applicants named on the mortgage instead of one, though it may be possible to obtain a mortgage in only one name.

Shared Ownership

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The Help to Buy Shared Ownership Scheme is really useful for allowing mortgage applicants to only have a mortgage taken out as a share, at a percentage of the property. We tend to find, this will be between 25%-75%, though in some cases this might be different.

Whoever owns the share that is remaining, most likely to be a local authority, you will pay them back in rent at the same time you are paying off your mortgage to the lender.

Professional Mortgages

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Professional mortgages can only be accessed by specific professions. It is a particularly niche area of the mortgage market, which is why we would highly suggest that you speak to a specialist Mortgage Advisors in Essex to learn more about this particular mortgage.

Second Home Mortgages

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Any customers who have plans to take out a mortgage on an additional property, you will need to show evidence to the lender that you have the right financial capabilities to cover the costs of both mortgages at the same time. The good news is our Mortgage Advisors in Essex can help you prepare for this.

Holiday Home / Let Mortgages

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Holiday lets mortgages work in a similar way to a buy to lets mortgage, with the main difference is that a buy to lets generally have long term tenants, whereas holiday lets normally only have short term tenancies.

Remember, you may not be able to rent out your home at all during off-seasons, regardless the mortgage lender will need to have complete confidence that you can afford your mortgage payments no matter if you have tenants throughout the year or not.

New Build Mortgages

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We tend to find new builds can cost a lot more money to invest in than older properties. If you’re needing additional support to save up for your initial deposit, you could find one of the Help to Buy Equity Loan Scheme beneficial as a way of getting on the property ladder.

Non-Standard Construction Property Mortgages

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A non-standard construction property is the term given to properties that’s built with materials like bricks or mortar. Any home buyers who are looking to take out a mortgage on property like this, you will need to apply for a very specialist mortgage deal. We also greatly recommend that you get a full structural property survey too.

Multiple Applicant / House of Multiple Occupation Mortgages

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HMO mortgages are a type of buy to lets that usually have between 4-6 tenants, similar to that of student housing. HMOs are often a challenging to work with. We highly recommend you seek specialist buy to let Mortgage Advice in Essex before continuing.

Mortgages Past Retirement Date / Lifetime Mortgages

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You may have the option to release the equity that over time you have built up within your property. To convert that into cash, you’ll need to take out a lifetime mortgage, though this only applies to people past the age of 55. We recommend that homeowners contact an experienced Mortgage Broker in Essex for specialist help when it comes to a mortgage situation like this.

Offset Mortgages

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Offset mortgages will put a savings account running simultaneously with your mortgage. This mortgage type is usually a really handy way of helping you access competitive interest rates and mortgage products with different mortgage lenders.

Mortgage Guides & 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

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