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Mortgage Advisors Billericay

Local mortgage brokers

Mortgage Brokers in Billericay

A mortgage will most likely be the largest financial commitment that you will make, and choosing the right mortgage can be somewhat daunting. Particularly as there are such a wide range of options to choose from.

Thanks to constantly increasing complexities around mortgages and the mortgage market, getting the right mortgage advice is more crucial than ever. Whether you’re a first time buyer, moving to a new home, or a buy to let investor in Billericay, getting the right advice is vital.
Mortgage Advisers Billericay
Mortgage Brokers Billericay

We’re here to help

We provide a mortgage broker and mortgage advice service in Billericay and the surrounding areas, so if you’re looking for a ‘mortgage broker near me’ you’ve come to the right place. 

We are on hand to guide you through the process, from the very beginning until your mortgage is approved - we’re here to help
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Are you a First Time Buyer looking at getting on the property ladder?

If so, let us help you with our first-time buyer mortgage advice guide.

Our Services

Our team of highly skilled and experienced mortgage advisors in Billericay are able to offer a range of services and support. We have access to the UK’s leading mortgage lenders, and have a range of exclusive products also available.

First time buyers

Buying your first home is an exciting experience, but it can also be quite daunting - after all, there’s so much to think about, including securing your mortgage. As professional mortgage brokers we are able to help support first time buyers through the mortgage process, from start to completion.
Mortgage Advice in Billericay

Buy to let

If you’re looking for a property and mortgage in Essex that you intend on renting out, you will need a buy to let mortgage. Naturally, you want to find the best deal when it comes to your mortgage, and that’s where we come in - our team of buy to let mortgage brokers assess your situation and aim to make your investments work harder for you with the right mortgage deal.
Buy to let mortgage experts

Home Mover

Moving to a new home is exciting, but if you want to get the best rates on your mortgage, you need the support of a professional online mortgage broker who can guide you through the process. The right mortgage advisor can make the process of moving to a new home far less stressful, while also ensuring that you get the very best rate on your mortgage.
Home mover mortgage brokers in Billericay
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The different types of mortgages

Not all mortgages are born equal; there are a range of different mortgage types available. These include variable-rate mortgages, which encompass tracker mortgages and discount mortgages, and then there’s also fixed-rate mortgages.

Variable rate mortgages are tracker mortgages or discount mortgages. Tracker mortgages are where your interest rate ‘tracks’ the Bank of England base rate; whereas a discount mortgage is where you are expected to pay the standard variable rate of the lender that doesn’t change often.

Fixed-rate mortgages are where you pay the same rate of interest for the entirety of your mortgage term. Most commonly, these mortgages are offered with an initial two or five year term.

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Our Mortgage Process

At Bolt Mortgages we aim to offer a mortgage process that is simple, stress-free, and successful. We understand that tackling the mortgage application process is much easier when you’ve got the right support in place. Working with a reliable mortgage broker like Bolt Mortgages will ensure that the process remains as enjoyable as possible.

How it works at Bolt Mortgages is simple: our dedicated team are ready to help you with your mortgage application whenever you’re ready to begin. We can help you to get your mortgage application dealt with more quickly - we can help you with every step of the process, from choosing a mortgage broker and starting your application to ‘dotting the i’s’ on your application.

Benefits of using bolt mortgages

The fact is that when it comes to mortgages, not all mortgage providers are born equal. At Bolt Mortgages, we aim to offer each and every client a unique experience, where their needs are always our priority.

We understand that when it comes to sourcing a mortgage it can be stressful, which is why we aim to make every step of the process as easy as possible. With our highly skilled and experienced team, you’re sure to get all of the mortgage application support that you need.

Reasons to choose Bolt Mortgages:

  • A high-quality, professional mortgage broker and mortgage advisory service in Billericay
  • A skilled and highly experience team are on hand to help and support with your every mortgage need 
  • A fast and efficient service; no waiting around 
  • Ongoing support throughout the mortgage application service 

Frequently asked questions about mortgage brokers

What is a mortgage broker?

A mortgage broker, or mortgage advisor, can be a company or individual that works on a clients behalf to manage the process of applying for a mortgage in its entirety.

A mortgage advisor typically provides a range of services that include; assessing a customer's financial situation, providing advice on how to appear appealing to potential lenders, identifying the most ideal mortgage options and offering access to the best mortgage deals available to match their customer's requirements.

How much does a mortgage broker cost?

Mortgage brokers prices and services will vary from broker to broker. Some charge commission and others charge a typical fee. Contact us for more information on our fees.

Do I need a mortgage broker?

Mortgage brokers/advisors have extensive knowledge of the housing market and mortgages. If you are unsure of what you are looking for when you are considering applying for a mortgage, a professional mortgage advisor will help to cut through the jargon and the noise of the industry. A reliable mortgage advisor is worth their weight in gold, quite literally in some circumstances.

They save customers time, money & stress by simplifying complicated mortgage procedures and providing insightful information that is easier to digest for people that are not familiar with the property market.

Can I get a mortgage?

Yes, any person is able to get a mortgage for a property provided you are in full time employment, have some form of monetary deposit and a recorded credit history with the relevant credit reference agencies within the UK.

The rates will only change depending on the loan to value or how much deposit they have. A mortgage advisor can provide you with an understanding of what options are available to you and help with making an informed decision.

What happens to my mortgage when i move home?

When people move home they can port their mortgage which will allow them to take their current mortgage with them to the new property without paying any early repayment charges. If their current deal has expired they can simply apply for a nee mortgage on the new home.

How much deposit do i need for a mortgage?

The amount of deposit that you need for a mortgage will depend on a variety of factors. Some mortgage lenders and financial institutions offer as little as 5% mortgage, however, the deposit that you place down will affect the terms of your mortgage, potentially increasing monthly repayments & more.

Can I get a mortgage with bad credit?

You may think that you can’t get a mortgage if you have bad credit, this is not necessarily the case. It is important to be aware that bad credit mortgages typically have high rates of interest, may require guarantors in instances of non-payment and even other types of collateral. It is important to remember that defaulting on your mortgage could result in your home being repossessed.

How Long does a mortgage application take?

The length of time that a mortgage application can take will vary based on personal circumstances, mortgage terms & so on. A typical, estimated time frame for a mortgage application to be accepted is up to 6 weeks.

Our Happy Customers

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  • Can’t thank Anthony enough! We are first time buyers and he helped us every step of the way and got us the best deal for our budget.

    Very quick with responses, professional, helpful and friendly.
    Ellena Hardy
    Very helpful and very very efficient, anything I needed was dealt with quickly.
    Would highly recommend using Anthony to anyone 10/10 service. He knows his stuff
    Peter Saitch
  • Ant is a very thorough and helpful mortgage advisor , he has always been great at communicating every stage of the mortgage process.
    I would highly recommend bolt mortgages to help you handle your mortgage , ant has made this a stress free process and is a nice friendly guy
    Danny Wallace
    Anthony was so helpful and responsive from start to finish - we are very grateful for the service we received.
    He was recommended to us by more than one person and we will definitely be recommending his services to friends and family!
    Katie Graham

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Bolt Mortgages

Mortgage brokers in Essex providing advice and services designed to save you time (and a few headaches!).

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82 Furtherwick Road, Canvey Island, Essex, SS8 7AJ

Bolt Mortgages is a trading style of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it.