Mortgage Broker Chelmsford

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There's no need to wait days to speak to a mortgage lender direct when you can get a FREE  mortgage consultation with our Mortgage Advisor today who has access to the whole of the mortgage market and the best mortgage rates.

 
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Available 8am to 7pm
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We handle the whole  Mortgage Process
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** Not available when applying direct with the mortgage lender
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Our Mortgage Broker Guide to getting a mortgage in Chelmsford

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Chelmsford Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

Ensure that information on your credit report is correct

A bad score can be down to mistaken information – it might even indicate that your identity has been stolen.

By carefully checking, you can ensure that information held on you is up-to-date. Remember that obsolete addresses can negatively affect your credit rating and if you had previous ties with people who have bad credit, you should ensure that these people are no longer associated with you by corresponding with the agencies themselves.

Current Account Mortgage

A current account mortgage is a variant of an offset mortgage and involve your current account effectively becoming pooled with your mortgage repayment account.

Your salary goes into the account and in doing so, reduces the capital you owe on your mortgage and the interest which is charged on it. The more your account is in credit, the less your mortgage payments become. You can't normally get discounted rates for this kind of mortgage.


Chelmsford is the county town of Essex and is a city 32 miles north-east of London. It developed out of the former parishes of Broomfield, Great Baddow, Galleywood, Writtle, Moulsham, Widford and Springfield. It is well-equipped and mixes modern development with a long, distinguised history.

For leisure, there are many attractions; for example, you can visit Hylands House, a noe-classical villa and grounds, or Ingatestone Hall, a stunning Tudor mansion, or Tropical Wings Zoo in South Woodham Ferrers, which is very children-friendly and is all-weather.

Property Price Stats for Chelmsford


Average property price in Chelmsford£295,065
% Change compared to last year9%
Population of Chelmsford168,310 (2011)


The property price data is sourced from  the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >>Land Registry
 

Mortgage Broker Chelmsford - Recently Completed

  • Donald Way Chelmsford, Essex, CM2 9JD
  • 41 Albemarle Link, Chelmsford, Essex CM1 6AH
  • 112 Chelwater, Chelmsford, Essex, CM2 7UR
  • 32 Wembley Ave, Maylandsea, Chelmsford, Essex. CM3 6AY.
  • 10 Ashmeads, Great Baddow, Chelmsford, Essex, CM2 9FJ

Local High Street Banks in Chelmsford

Mortgage Broker in and around Chelmsford

Our Chelmsford mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Great Baddow, Newney Green, Writtle, Broomfield, Howe Green, Broxbourne and Boyton Cross.

Which banks are local to you?


  • Barclays Bank Plc - 40-41 High St, Chelmsford CM1 1BE
  • Metro Bank Plc - Frenchs Gate, 20 Springfield Rd, Chelmsford CM2 6FA
  • Lloyds Bank Plc - 199 Moulsham St, Chelmsford CM2 0LJ

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Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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FREE mortgage consultations for Chelmsford

Mortgage Brokers Chelmsford offering free first consultation (terms apply).

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Fast mortgage appointments

With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Chelmsford Mortgage Broker Insider Tips

If you're buying, getting a structural assessment (Building Survey) of your property in Chelmsford from a RICS Surveyor is key and can save you £1,000s by highlighting defects that can be shared or negotiated with the seller. 

All too often buyers choose to not get a Building Survey thinking that their Mortgage Valuation will cover them for this. Sadly the mortgage valuation doesn't highlight structural defects or risks.

Once you realise this and then choose to get a Building Survey you may find that you are pushed to get this done in time for exchange of contracts because you have waited so long. This is especially annoying as your conveyancing solicitor needs some of the information from the survey to complete your legal work.

The best advice for fast conveyancing in Chelmsford is to book your Building Survey at the same time as you instruct your conveyancing solicitor

Surveyors are in high demand at the moment and bookings can often take 7 to 10 days and then the report 3 to 5 days after that so the sooner you book, the quicker you'll know if there are any defects with you property - plus you'll be set for a fast conveyancing completion!

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