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Essexmoneyman Single M Home Page

Mortgage Broker
in Essex

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

01245 847678Speak to an Advisor - It's Free!

Mortgage Broker
in Essex

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Enquire Online 01245 847678 Malcolm Davidson Managing Director of Essexmoneyman - Mortgage Broker in Essex
Malcolm and Amy - UK Moneyman Directors

We love helping customers that really need mortgage advice in Essex - Something our Managing Director, Malcolm Davidson has been doing since 1997.

To speak with a mortgage advisor in Essex, book your FREE mortgage appointment online.

We love helping customers that really need mortgage advice in Essex - Something our Managing Director, Malcolm Davidson has been doing since 1997.

Malcolm and Amy - UK Moneyman Directors

About Us

Our Customers Love Us

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Mortgage Broker in Essex
Mortgage Advice in Essex

Welcome to Essexmoneyman, home of expert mortgage advice in Essex. We are a long-standing, experienced mortgage broker in Essex & surrounding areas, ready and willing to help out homeowners and home buyers alike with new or existing mortgages.

One of the major benefits of our mortgage advice service is our online booking feature and appointment availability.

This allows for a much easier booking process for potential customers. Rather than waiting a month for someone to respond, you get to choose your own appointment, at time slots that suit you (subject to availability).

Once you’re booked in, you’ll be able to speak with a dedicated mortgage advisor in Essex, who will run through your case and recommend the best course of action to take, based on your circumstances and what you’re looking to achieve.

As an open & honest Mortgage Broker in Essex, we have a brilliant reputation for helping customers, both new and existing.

In addition to this, we have a great deal of collective mortgage experience. We will utilise this experience to help our customers clear their mortgage hurdles.

What are some popular mortgage scenarios in Essex?

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During our time as providers of fast & friendly mortgage advice in Essex, we have come across a wide variety of mortgage scenarios. Here are some of the most popular mortgage scenarios that we have come across:

  • A First Time Buyer seeking initial mortgage advice throughout the whole home buying process?
  • A Home Mover wanting an idea of how much you can borrow and how much your monthly repayments will be?
  • Hoping to Remortgage for a better deal, change the term of your mortgage, add, or remove people’s names, and / or raise additional money?

How do I book a free mortgage appointment in Essex?

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With the implementation of our online booking feature, you now have the freedom to book appointments at times that are convenient to both your personal and professional schedules.

Want a lunch time appointment? See if there’s a time slot that works for you. Have a preference for evening appointments after work?

We have staff working late, every day of the week! Take a look and book in at a time of your choosing, subject to availability.

Considering mortgage advice in Essex from your bank?

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Whilst it may seem like a logical choice to go direct to your bank for mortgage advice in Essex, there are downsides to it. First of all, that bank can only offer their own product. You don’t have the option of product comparison, as there is nothing to compare!

Further to this, banks are notoriously difficult to communicate with. You could be waiting weeks or months for a mortgage appointment, only receiving sporadic updates once your process starts,

Here at Essexmoneyman, we pride ourselves on providing a responsive, customer friendly service.

There is no waiting around, you can book yourself in whenever you like! Our team will also keep regular communication, ensuring you are up to date at every stage of the process.

Additionally, we have a large mortgage panel that we work with. This means you won’t only have one banks product to work with, you’ll have plenty more!

We will review lending criteria and match it up with your case, recommending the most appropriate mortgage deal for you and what you’re looking to achieve.

Do you need mortgage advice in Essex for complex situations?

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Sometimes customers can find it a little more difficult to get a mortgage, due to unfortunate hurdles cropping up either prior to or during the mortgage process.

Worry not, as our trusted mortgage advisors in Essex have an in-depth knowledge of mortgage lending criteria.

A selection of the more frequent scenarios that we come across, where a customer might be finding it challenging, include having a mixed income, low credit score, the type of property is making the process difficult, failed affordability, or they have been to the bank and they aren’t willing to lend enough.

The good news for these customers, is that we work with an large panel of mortgage lenders, many of whom offer niche, specialist mortgage products to customers in need.

Whilst nothing is ever guaranteed with a mortgage, you’ll have the comfort of knowing there may be options out there for you.

Why choose us as your mortgage broker in Essex?

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Our team are available from early until late, 7 days a week, with appointments at times that are better suited for the day-to-day life of a customer.

This, along with our responsive nature and keeping customers informed on a regular basis of what is going on, is what sets us apart from the rest.

A trusted mortgage advisor in Essex will be able to search through 1000’s of mortgage deals on your behalf to recommend the most suitable one for you and what you are looking to achieve with your mortgage process.

As a company, we’ll be here all throughout the process, to answer any mortgage questions you have, and to provide both guidance and support.

We’re here for you; your needs as a customer always come first.

Our goal is to help you to reach mortgage success through providing a high standard of Mortgage Advice in Essex.

What does a mortgage broker in Essex do?

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We are always on hand to guide and support you all throughout your mortgage process. It’s our aim to ensure all of our customers feel relaxed, are treated with an open & honest service, and end up with the most appropriate mortgage deal for their circumstances.

It understandably isn’t always easy when purchasing a property, the home buying process can be a daunting one.

This is especially the case if you are a first-time buyer in Essex or have not moved home in a while.

As your trusted and experienced Mortgage Broker in Essex, we’ll make sure that we’re there for you, from the start of your application, right the way until completion, and beyond.

Our service goes beyond just the mortgage, making any appropriate insurance recommendations to protect you and your family.

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We Search 1000s of Mortgage Deals in Essex

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Common Mortgage Questions in Essex

How does my mortgage process work?

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If you select us to be your mortgage broker in Essex, our process will proceed as follows: First, one of our experienced mortgage advisors in Essex will conduct a comprehensive Fact Find to understand your specific needs and preferences. Based on this information, our advisor will recommend the most appropriate mortgage product for you.

Subsequently, we will carry out a credit check to obtain an agreement in principle. Once we have obtained all the necessary documentation and completed a valuation of the property, we can issue a formal mortgage offer to you.

How does the free mortgage appointment work?

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During your free initial mortgage appointment in Essex, which typically lasts between 30 minutes to 1 hour, your dedicated mortgage advisor in Essex will provide you with personalised recommendations for a mortgage product that suits your needs. Importantly, there is no obligation for you to proceed with the mortgage recommendation.

Ultimately, the decision of whether or not to move forward with the recommended mortgage is entirely up to you.

When should I obtain an agreement in principle?

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To help you be fully prepared as soon as possible, our mortgage advisors in Essex suggest obtaining an agreement in principle before you start viewing properties in the Essex area.

It is strongly recommended that you obtain a mortgage agreement in principle before making any offers on properties. This can help strengthen your bargaining position and potentially give you an advantage in a competitive buying situation.

How long does an agreement in principle last?

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Typically, an agreement in principle is valid for a period of 30 to 90 days, although this duration may vary depending on the specific mortgage lender.

If your agreement in principle expires before you find a suitable property, don't worry! Your mortgage advisor in Essex can assist you in refreshing the agreement in principle, which will give you the flexibility to continue your property search with confidence.

Can I get a second mortgage in Essex?

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If you are seeking to accomplish goals such as debt consolidation or home improvement, a second mortgage may be a viable option for you.

In addition to this, a second mortgage can be utilised for various purposes, including the purchase of a second property for personal use, family members, holiday homes, or buy-to-let investments.

How much deposit do I need for a mortgage in Essex?

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Typically, high street mortgage lenders require a minimum deposit of 5% when purchasing a house in Essex. However, if you have a history of credit problems, the minimum deposit required may be higher.

Can I get a mortgage with previous credit problems?

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While obtaining a mortgage with previous credit problems may present some challenges, it is not impossible. However, you may face some additional hurdles, such as certain lenders requiring a higher deposit than usual, perhaps up to 15% of the property purchase price.

I’m self employed in Essex, can I get a mortgage?

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Once you have submitted at least one year's accounts, you are eligible to apply for a mortgage. The majority of mortgage lenders calculate the maximum amount you can borrow based on your salary plus dividend, while others may use your net profit as the basis for their calculation.

What documents will I need to send?

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Typically, employees are required to submit three recent payslips to demonstrate their income when applying for a mortgage. For self-employed individuals in Essex, providing the latest two years' accounts is usually required.

In addition to proof of income, you will need to provide identification, proof of your address, and the latest three months' bank statements when applying for a mortgage.

How long does the process take?

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By taking advantage of a free initial mortgage consultation with one of our reliable mortgage advisors in Essex, your appointment is expected to last approximately one hour.

Upon completing your consultation, your dedicated mortgage advisor in Essex can typically provide you with an agreement in principle within 24 hours. It generally takes an average of three weeks for a formal mortgage offer to be issued after all relevant documentation has been gathered and the property valuation has been completed, but theres no guarantee.

Mortgage Guides

Essexmoneyman.com & 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 www.register.fca.org.uk

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