Mortgage Advice from a Quality Mortgage Broker

As a  Mortgage Broker, Essex Home Finance are ideally  positioned to help those who live not only in the Chelmsford area , but across Essex and beyond. At Essex Home Finance, we help a wide variety of clients such as First Time Buyers, Homemovers, and those who invest in Buy to Let property. Many of our clients look to Remortgage so they can take advantage of the low market rates, helping them fund their home improvements or tidy up their finances.

There are No Broker Fee* for any First Time Buyers or Homemovers, Residential Remortgages, and for all Product Transfers (Residential or Buy to Let). For those who need a Buy to Let Mortgage we charge just £149 on Offer – there are no upfront fees, meeting costs, etc.

With 25 years experience we believe that finding you the Right Deal has never been easier with our refined systems. Our comprehensive list of Mortgage Lenders, and large array of mortgage deals available means that we’ll be able to find you a deal that suits your perfectly.

Call Us

If you can't find time to visit us but you want a one-to-one talk, pick up the phone and get in touch. We can easily schedule a call at a convenient time.

Apply On-Line

Don't have time to visit or call us? We encourage all our clients to use our online service, this will help to speed up the whole process for you.

Visit

Either we come to you, or you can visit our Office with convenient parking within Chelmsford City Centre. We can easily organise Video Calls too.

Mortgage Advice That's Right For You

Apply On-Line

At a Convenient Time for You

  • Secure Online Portal
  • Upload Key Documents Safely and Easily
  • Track Progress of your Applications

Additional Benefits

  • Online ID Checks
  • Open Banking Bank Statements
  • Free Video Call Facility
Apply Online Mortgage Essex Home Finance

Our Mortgages

Let us help find a cheaper rate for your mortgage, reducing your monthly outgoings. Also a great way to raise money to pay for Home Improvements, repay some lingering debts, or help fund a large project.

Whether a First Time Buyer, Moving up the Housing Ladder, or taking advantage of the many Government schemes, our knowledge, experience, and significant range of products can make a real difference to your situation.

Essex Home Finance - Remortgage

Investing in property is still a great way to gain a better return on your money. Having helped many clients build great Portfolios, as well as individual investments, we can advise on both property and the mortgage options, critical to your succes –  and that’s where Essex Home Finance can help

A Mortgage may not be the ideal solution for everyone. We have a number of other Specialist options that can help with Property Development, Self-Build and Commercial Borrowing

New Build doesn’t need to be difficult, with an experienced hand we can lead you through Help to Buy, Shared Ownership and other similar schemes to own your own home.

If you have missed some payments or have had some financial difficulties in the past, don’t worry – we have a great selection of lenders and options that can help in almost every situation

at Essex Home Finance

How We Help

1 +
Mortgage Lenders
1 k+
Mortgage Products
£ 1 m
Completed in 2019

Other Ways We Support

Home Insurance

Quality Home and Landlord Insurance options, from some of the best providers in the UK. Through our detailed understanding of your needs, we can advise you on find the right insurance.

Life Cover

What would happen if you died and your family couldn't pay the mortgage? What about the other cost your loved one's would still need to fund We spend time to look at the options from a wide range of trusted insurers to find the right choice for your needs - Life, lines, Income or Redundancy.

Conveyancing

Whether as First time Buyers, or with experience of the Home Moving process, a reliable and trusted Solicitor (or Conveyancer) will add value to your transaction. By using one of our preferred Partners, you will get great service from firms that feature on any lender approved panel.

Home Services

We have recently introduced a great range of discounted Gas, Electricity, Broadband and Phone services for clients, either remortgaging or buying a home. With additional services such as Free LED Light bulbs, we are will positioned to save you hundreds of pounds every year,

How Essex Home Finance can Help you

How do we Work?

Meeting

Whether Face to Face, Telephone, Video Call or On-Line, let us understand your needs, situation and expectations

Preparation

Collect the supporting Paperwork we will need to show you can afford the new mortgage. We will advise you what you will need to supply us.

Research the Market

By using our wonderful technology we can quickly check the whole market for price and criteria - and work to get a Decision in Principle for you too.

Secure your Property

Making sure you negotiate the right price, and we can help engage with Solicitors and other business partners.

Paperwork

As your Broker we will deal with any paperwork requirements and ensure you have whatever may be needed by the lender.

Manage the Tasks

We'll ensure the necessary stages complete timely, and to introduce you to the right services you need, such as insurances and Home Services

A Selection of the Latest Mortgage Rates

Mortgage rates change all the time which is why it’s important to seek professional advice by a Mortgage Broker to help find you the best current deal for your circumstances. With over 70 Lenders, and 12,000+ Deals, we strongly believe that we have the resources to find you the best deal for your situation, get in contact with us today.

FAQ

How Much do you Charge?

At Essex Home Finance we do not charge for any Residential Mortgages. For Buy to Let Mortgages we will typically charge £149 on Offer, there are no upfront costs or meeting costs.

We don not charge for any Product Transfers, whether Residential or Buy to Let

Is your on-line service safe?

The short answer is yes!

We use the Smartr365 platform to provide a safe and secure online option for our clients, allowing us to collect the right information and also to upload the documents we require. As part of that platform we can value your property, Online ID Checks and Open Banking. ISO Accredicated

Are the any lenders that you don't use

We use almost every active UK lender in the UK. There are a small handful that do not work with, including Lloyds Bank, First Direct, Yorkshire BS and some smaller Regional Societies. Often we will have a different brand within a lender, for example we have Accord Mortgages who are the Broker equivalent of Yorkshire BS. 

What documents will i need?

We are happy to take downloaded documents and photos of ID Documents as long as they are clear and photos are from above. On occasions lenders may ask us to see original documents, which we will advise you on if needed. But if you can please ensure you can access your Online Banking, or use our Open Banking option to download statements.

do you help with non-advised cases?

To comply with regulation, we only offer an Advised service for any of the services we provide, including insurance. Our advice will cover both price and criteria, why we have recommended a particular lender and deal, and we are responsible for that.

Is your insurance compulsory?

For most lenders there will be a requirement to take Property Insurance as a condition of your mortgage. You are free to take it with  anyone, our Insurance is always well priced and we know is suitable for any mortgage lender.

Customers reviews

Contact Us

General Enquiry

Mobile / Home Number
  • Choose
  • First Time Buyer
  • Help To Buy
  • Homemover
  • Remortgage
  • Buy to Let
  • Equity Release
  • Insurance
  • Home Utilities
Please choose the closest match to your Mortgage Needs

Essex Home Finance Ltd is an Appointed Representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only.

Registered address: Suite 1, 8 Kingsdale Business Centre, Chelmsford, Essex, CM1 1PE

Registered in England & Wales under number 10607263.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We do not charge for Residential First Time Buyers, Residential Home Movers, Residential Remortgage, and all Product Transfers (Residential or Buy to Let).

There will be a fee for all Buy to Let Purchase and Buy to Let Remortgage cases. Typically our fee will be £149, payable on Offer. We will agree any fees with you before we proceed with your case.

There will be a fee for all Equity Release Mortgage cases. Typically our fee will be £695, payable on Offer. We will agree any fees with you before we proceed with your case.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. 

Our advice is covered under the Financial Ombudsman Service.  You may be able to submit a claim through the  EU Online Dispute Resolution Platform If you live outside the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service.