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Specialist Mortgage Advice in Essex

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Struggling to Proceed? We Might be Able to Help!

Often the mortgage process is not as straightforward as it seems and they can involve difficult circumstances that require the assistance of a mortgage broker in Essex. As mortgage advisors in Essex with a great deal of experience in these areas, we have a large amount of mortgage lenders on panel that specialise in different areas. We firmly believe in the level of service we provide and hope we will prove useful to you during your mortgage process.

 

Over time you may find that you damage your credit score if you keep trying various lenders and failing without knowing their lending criteria. Repeated instances of this can be so damaging that you are unable to get a mortgage altogether. This is why having a mortgage advisor in Essex like us will come in handy. We can go over lender criteria and ensure you are as prepared as possible for your journey.

 

We have a lot of combined industry knowledge and experience when it comes to difficult situations and lenders criteria. We are aware of all the mortgage schemes and products available to customers and will be more than happy to discuss your possible options and what you qualify for.

 

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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Specialist Mortgage Advice in Essex

Often we find that some mortgage circumstances are a little more difficult and require the help of a mortgage advisor in Essex. With a dedicated mortgage team who deal with a variety of mortgage applications all the time, you’ll be in safe hands with us. Even if you think your circumstances are a little ‘unusual’, we’d still like to help. We have a lot of experience when it comes to helping individuals with complex situations or customers declined by the bank.

 

Our Mortgage Advisors in Essex work closely with a large number of different specialist mortgage lenders, many with tailor-made mortgage products for difficult circumstances.

 

Having an experienced and knowledgeable mortgage advisor in Essex by your side will hopefully be a beneficial service to you. We’ll listen to your personal needs carefully in order to find you the most appropriate deal based on what you qualify for.

Why should I use a Mortgage Broker in Essex?

  • We’re here for you! With our in-depth lending criteria knowledge, we’re very helpful to have along for the ride.
  • It’s our job is to make you feel relaxed and stress-free right from your enquiry through to you getting your keys or completion.
  • Customer service is really important to us, please read our genuine reviews to learn more about the service we provide.
  • Our mortgage advisors in Essex are able to work around any work and family commitments.
  • We are able to search 1000’s of mortgage deals on your behalf to find the right one for you, unlike banks, building societies and estate agents.

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 in Essex!

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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