Mortgage Broker Essex
Our mortgage brokers are independent of any lender and offer a full spectrum of straight talking, expert financial advice. Perfectly positioned to help you with your mortgage requirements.
for Essex
Remote Appointments
Advisors 2022
Why choose Mortgage Brokers with SAM Conveyancing?
Whether you are making a purchase or remortgaging a property, using an impartial mortgage advisor saves you from being pressured by any specific lender, so you can choose the best deal available from the whole market.
We can offer you a free* initial consultation with our independent mortgage brokers at Advies. They search across the whole market to provide the best mortgage rates that match your needs and circumstances, with access to exclusive rates that can beat the high street lenders.
We are delighted to announce that Advies have been recognised by the Financial Times as being one of the FT Adviser UK Top 100 Financial Advisers 2022.
Our mortgage advisors attain the strictest Financial Conduct Authority standards, to ensure honest, competitive and fair services, to you.
Changed from 4% on the
17th December 2025
.Location | 10% Deposit | What would your salary need to be? (estimated based on 4.5 times salary) |
Brentwood | £51,548 | £103,096 or £51,548 per salary with a joint purchase |
Harlow | £41,242 | £82,485 or £41,242 per salary with a joint purchase |
The rate of your mortgage will affect your affordability assessment. Use our calculator to see how the current rate will affect your monthly payments.
Our Mortgage Broker Guide to getting a mortgage in Essex
The mortgage application process has 4 stages regardless of which mortgage lender you use:
- 1Approval/Decision in Principal (AIP/DIP)
- 2Mortgage in Principal (MIP)
- 3Mortgage Valuation
- 4Mortgage Offer
No credit history? Take out a small loan and repay it completely
If you've no credit history, your credit score will not be excellent because you'll have no track record of paying back a loan correctly. So you might want to take out a small loan – with small repayment amounts – and pay the loan back on time.
Once you've paid back the loan successfully, this will be reflected in an uplift in your credit score.
No Deposit Mortgage
No deposit mortgages are designed such that the applicant gets a 100% loan to value (LTV) from the lender without having to provide the normal 10% deposit.
The applicant must, however, have an associate (most often a family member) who provides security for the mortgage loan normally by either agreeing to leave a sum of money in a linked account for a set period of time (the lender controls the account during that time period) or by putting up their own house as collateral.
If the mortgage holder defaults on repayments, the lender can remove funds from the linked account or force the associate to release value from their own home to make up the shortfall.
To find out more, click on No Deposit Mortgages
By getting all of your signed documentation in to your solicitor in advance, you will get a better chance at a quick conveyancing process in Essex.
Until your solicitor has your mortgage deed, signed contract, transfer deed, ID and other relevant documentation, they will not be able to exchange. This is not helped by the fact that some documents must be posted.
If this is the case, send as much correspondence as you can in one go and always do so via recorded delivery. This way, you can track the documents and find out when they were received and who signed for them. Lost documents can slow down the process and be very frustrating for all, especially if you have to wait for replacements for originals!
Get your FREE Fixed Fee Conveyancing Solicitors Quote
Fixed Fee – No Sale No Fee – On all Major Lender Panels
Frequently Asked Questions: Mortgage Brokers Essex
The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent Essex mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
Mortgage Broker Essex - Recently Completed
- Carlton Court, Craven Gardens, Barkingside, Essex IG6 1LT
- 46 Cranstone Park Avenue, Upminster, Essex, RM14 3UT
- 196 Willowfield, Harlow, Essex, CM18 6RZ
- 11 Featherstone Court, 287 - 295 High Road, Chadwell Heath, Essex, RM6 6DJ
- 55 Bentry Road, Dagenham, Essex, RM8 3PA
Watch our video to find out how to organise your mortgage and funding for your purchase.
