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      • Essex Home Finance
      • Essex Home Finance

      About Essex Home Finance


      Essex Home Finance are a Mortgage Broker, based in Chelmsford helping customers locally in Essex, and around the UK, with their mortgage and insurance needs

      We believe that getting quality Mortgage Advice is essential for the majority of those looking for Mortgage Finance and Specialist Lending, given the complexity of the Mortgage Market. With so much to consider, whether a First Time Buyer or an experienced property owner, advice can make sure you have the right mortgage for your specific needs, not just because the internet or the press are suggesting what’s best for you.

      Over the last few years we have seen the significant change in Mortgage lending regulation. This has led to Mortgage lenders adopting new rules controlling how much they will lend to customers, and the Financial Conduct Authority (FCA) asking lenders to be more responsible as to who they help.

      Also lenders who sell their own mortgages have had to adopt long, time consuming interview processes to provide mandatory advice, making it tough to book an appointment when you want to. And for those successful invoking an appointment, it might take you hours to find out that they will not lending you enough, or your income is unsuitable according to their rules.

      That’s why an ever increasing number of people use Mortgage Brokers, such as Essex Home Finance, for their Mortgage and Insurance needs.

      Essex Home Finance have a significant number of mortgage lenders within reach - we can be sure that our clients will have options from the main High Street Lenders, smaller Regional Building Societies, and the growing number of specialist lenders who don't have a High Street presence. 

      We also have a large number of exclusive mortgage deals with key mortgage lenders, not available by going direct, saving you even more money.

      There are lenders that will stretch to what you need to borrow, perhaps ignoring the odd missed payment that is showing on your credit file too. There are schemes that really help the Self-Employed, have secondary incomes such as extra jobs or regular benefits - the list goes on. Do you know which lender will look at you in the most favourable way?

      For our clients investing in property, we have an ever growing range of Buy to Let Lenders, looking to help you with your first investment property, a growing portfolio, or those looking to invest in more complex property options (Such as Multiple Occupancy Property and Development Finance).

      All our Mortgage Advisers have both the necessarily qualifications (CeMAP) plus significant experience within Financial Services - whether Personal or Commercial Banking, High Net Worth Banking, and in Mortgage Product Design and Risk Management.

      Our clients enjoy the many ways that we help them - by email, internet, telephone, face to face meetings, whatever our clients prefer. We can even meet clients at their home or at our office in Essex.

      As well as Mortgage Advice, we can help you with all other aspects of the property buying process, such as Solicitors, Property Insurance, Property Surveys, and Mortgage Insurance. We continue to find well priced solutions for our clients from a wide range of providers, continually vetted for quality.

      So whether you are a First Time Buyer, looking for a better rate with a Remortgage, Moving Home or investing in the Letting Market, we have a real depth of choice, mortgage deals and plenty of exclusive or specialist schemes to help our clients. Stop trying to double-guess the market, and don’t waste valuable time getting the wrong decision.

      Speak to Essex Home Finance about your individual needs, and we will give you the individual service you deserve.

      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: 1 High Street, Chelmsford, Essex, CM1 1BE. Registered in England & Wales under number 10607263.

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

      *From the 1st March 2018, there are No Broker Fees 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.

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