Mortgage Broker In Essex

One adviser for the whole of Essex

Essex covers an enormous range of property values — a terrace in Grays and a detached house in Brentwood are two completely different lending conversations. We advise across the county, so the recommendation is built around your figures rather than whatever one local branch happens to offer.

Commuter demand along the Great Eastern and C2C lines keeps prices firm in towns such as Shenfield, Billericay and Laindon, which pushes many buyers to the edge of what standard affordability rules allow. Where income is made up of bonus, commission, overtime or self-employed profit, the lender you choose can change your borrowing figure substantially.

• First-time buyers stretching to reach commuter-town prices
• Self-employed and contractor income assessed on the most generous basis available
• Buy-to-let and HMO purchases across Essex towns with strong rental demand
• New-build purchases with fixed exchange deadlines

Specialist cases we see across the county

Essex has a high proportion of self-employed trades and small business owners, and a lot of landlords holding property through limited companies. Both are areas where high-street affordability tools give a misleading answer and specialist lenders make the difference.

We also handle adverse credit — arrears, defaults, CCJs or a historic repossession — where the right lender cares far more about the last two years than the last ten.

Fees and how we work

You get one dedicated adviser, access to a panel of over 200 lenders, and a clear view of where you stand within 24 hours. Our fee is £499 for standard cases and £799 for complex ones, payable only if you decide to go ahead.