Essex Mortgage Advice

Professional Mortgage Advisers in Essex

Phone Number: 07957578754

Mortgage Advisor 
Chelmsford, Colchester, Basildon, Harlow and Essex

If you are looking for a mortgage advisor in Essex, we can help. At Essex Mortgage Advice, we are fully licensed to conduct mortgage advice services and offer protection or financial products by the Financial Services Authority. 

Over the last thirty years, we have got hundreds of people mortgages or rearranged their finances for them. Call or email us to arrange a meeting either in your own home or in the area of Essex. 

Mortgage Advisor Chelmsford, Colchester, Basildon, Harlow and Essex

Leading Mortgage Advisors

Over the course of thirty years, we have got mortgages for hundreds of people and helped many others to re-finance. We are proud to have happy customers across Essex.

Full Customer Support

We provide customer support at our office, over the phone, as well as by email. We provide great service for mortgages, insurance services, and other financial products.  

Services Tailored For You

By working with you, we know that you get the best mortgage advice and services from us. We provide the correct information and offer the right products to you. 

When Do I Need a Mortgage Adviser?

There are many reasons you could need a mortgage adviser. For example, if you want to take out a mortgage, and it's your first one, it is a good idea to hire a mortgage adviser to advise you on what to do and how to go about it. 

It is also beneficial to hire a mortgage adviser if you are wanting to sell your house, as they can give you advice on what to do and the best way to go about it. They can help with anything you need and can assist you with making sure your home sells and the process is smooth.

As well as all this, mortgage advisers will help you find the right mortgage that suits you, your lifestyle and your income the best. If you need help and would like some mortgage advice, please give us a call today, here at Essex Mortgage Advice, and we can set up an appointment for you. 

When Do I Need a Mortgage Adviser? family consulting a mortgage advisor

Our Services

Buy to Let Mortgages

You'll need a Buy to Let mortgage if you are buying a property to rent out. This is different from your conventional mortgage.

Mortgage For The Self Employed 

Those who are self-employed often find it hard to secure a competitive mortgage rate from lenders. We offer unbiased advice to find you the best deals.

First-time Buyer Mortgage

Buying your first home is undoubtedly an exciting experience, and we are passionate about helping first-time buyers get on the property ladder.

Key Person Protection Insurance

Key person protection insurance protects companies in case anything happens to a key member of staff, which would otherwise cause damage to the company.

Income Protection Insurance

There are two forms of income protection, short-term for example, if people are in between jobs, and long-term, if people have no income over the long term. 

Contents and Buildings Cover

Whether you live in a single bedroom flat or a large mansion that your home is your castle, so it makes sense to cover its contents and the building itself.

What to Look for in a Mortgage?

It is so important to ensure that you choose the right mortgage that suits you, your family, your lifestyle and your income. Don't worry, because we can help you do that. 

Firstly, you need to look at the costs, including the estimated energy and water bills, home insurance and council tax. Once you know these, you can ensure you can afford your mortgage.

You also need to look for how much you are able to borrow, so you know if you will be able to pay the long-term costs. This can be affected if you have any debts, loans or credit cards. Another essential factor is the deposit of the home, which is usually 10% of the total cost, but this can vary. 

Here at Essex Mortgage Advice, based in Essex, we can help you with all of these factors. We even have a mortgage calculator for you to use.

We are here to help and take the stress away from buying or selling your home. If you would like to book an appointment or ask any questions, please don't hesitate to give us a call.

What to Look for mortgage advice? family consulting a mortgage advisor

Mortgage Advice in Essex

Are you looking for mortgage advice in Essex? We offer mortgage advisor services throughout Essex, London and the surrounding areas, including:

  • Southend-on-Sea
  • Colchester
  • Chelmsford
  • Basildon
  • Rayleigh
  • South Benfleet
  • Thundersley
  • Harlow
  • Rochford
  • Grays
  • Brentwood
  • Clacton-on-Sea
  • Braintree
  • Thurrock
  • Castle Point
  • Billericay

We Provide Expert Advice on:

First Time Buyers

When you are a first-time buyer and want a new mortgage, you are usually put under one of two classifications, either you have never owned a property/estate, or you have not owned a property for more than 6 months. 

As a first time buyer, if you wish to have the stamp duty relief, you must have never owned a property, either in the UK or anywhere else in the world. Finding a mortgage company that gives you a fair price is essential, so if you find one, you should try and get it if you are clear on what you want.

Self Employed Mortgages

If you are self-employed, most mortgage companies would want to see at least 2 years of proof that you are self-employed and have a stable income to show you can pay for it in the future.

Problem Credit History

Although having a good credit history is recommended when trying to get a mortgage for your house, there are other solutions that you can take. If you want to find out how much you can get from your current credit history, you can always get some advice once you tell us what you are looking for. This is because they use the credit history to see if you can make repayments on your mortgage. 

Buying A Home

Whenever you want to buy a home, you will need a mortgage to help. If you are finally trying to buy a house, you will need to learn more about mortgages, which makes a reasonable price, good mortgage deals, etc. It would help if you learned what the process is for a mortgage beforehand to grasp what is being done from start to finish. 

Securing a Mortgage with a Bad Credit Score

Before you get a mortgage, you should usually check your credit score history to know how much you could ask for considering your circumstances. 

This is good for when you start applying for the mortgage, so you understand where you are. Checking your credit history is also good as sometimes there are mistakes that make it worse, so having the credit agency correct this is important.  

It would be best if you did not try to rush a mortgage application process but instead take your time in comparing them to get the best one. This can sometimes be difficult, so you can ask for professional advice if needed to find the best one that suits you. 


What do mortgage advisors do?

A mortgage adviser finds the best mortgage rates within your budget and provides you with advice and knowledge so that you can make the best decision possible with other mortgage products in mind. 


Do I need a mortgage advisor?

Although there are many benefits to using a mortgage adviser, they are not necessary for you to get a mortgage. A mortgage adviser will consider all the details they can when deciding what is best for you. This can save you time in research and allow you to make the best choice out of the mortgage options presented.


Can you get a mortgage without a deposit?

It is not impossible to get a mortgage without a deposit. However, this is rather rare these days. Getting a mortgage without a deposit usually involves having a family member who already owns a house to your mortgage to be a guarantor.


How much does it cost to remortgage?

The amount of money it will cost for a remortgage will depend on how much the mortgage is for and the property's current price. They also charge a fee between £1,000 - £2,000, which can be added to the mortgage debt or paid straight up. This debt can sometimes be put on the mortgage or paid upfront. You must still keep up repayments on your mortgage to ensure you do not put the mortgage at risk, though.

Most mortgage brokers, including independent mortgage brokers, are authorised and regulated by the financial conduct authority of England.

Are you looking for mortgage advice? For a mortgage advisor in Chelmsford, Colchester, Basildon, Harlow and Essex, contact our expert team today. Please call 07957578754 or complete our contact form with an enquiry. 

Essex Mortgage Advice

Dorset House
25 Juke Street

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