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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 mortgage consultation in Essex will last around one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.

As your mortgage broker in Essex, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check gets required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

To avoid possible rejection, we recommend you obtain an Agreement in Principle before you begin viewing properties in Essex. At the very latest we also recommend, you should obtain one prior to making an offer to assist your bargaining position.

An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. This can always be refreshed if it happens to expire.

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 you would require when purchasing a house in Essex with High Street Lenders is typically 5%. This can be higher if you have had credit issues in the past.

The good news is you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.

Once you have submitted at least one year’s accounts, you can get a mortgage. A large majority of Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.

For an employee to prove income, It’s usually three payslips and the latest 2 years’ accounts for Self Employed. You will also need to produce proof of ID, address and 3 months’ bank statements.

A standard initial mortgage consultation with one of our Mortgage Advisors in Essex can take around 1 hours. We can normally produce an Agreement in Principle within 24 hours and achieve a formal mortgage offer within 3 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.

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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.


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