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Mortgage Broker Brentwood

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Mortgage Advisors in Brentwood

If you are looking for the best mortgage advice Brentwood has to offer, you have come to the right place. Taking out a mortgage is not a decision to be made lightly. You need to be sure that the mortgage you select is going to be right for you, not only now, but in the future as well. 

Speaking to a mortgage broker in Brentwood may give you access to more mortgage products This is something that Bolt Mortgages can assist with. As a mortgage broker, we are best placed to make sure we fully assess your situation and give you the best mortgage advice.
Mortgage Advice Brentwood

Are you a First Time Buyer looking for the best mortgage deals?

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

Our Services

One of the reasons why Bolt has built up such an excellent reputation in the industry is because we provide our services for all types of mortgages, including the following:

First time buyers

Buying your first home is a very exciting but scary time. There are lots of different options and government schemes available to help first-time buyers get onto the property ladder. We can help you to understand the sort of options that are available to you, as well as presenting you with mortgage products that are the most favourable for first-time buyers.
Mortgage Advisors Brentwood

But to let

If you are thinking about buying a property for the purpose of letting it out, you are going to need a different type of mortgage. You cannot simply opt for a first-time buyer mortgage or a conventional mortgage. You need a buy-to-let mortgage, which has been specifically designed for this purpose. 

If you have never considered a buy-to-let mortgage before or you are unsure of your options, all you need to do is get in touch. As an independent mortgage broker, we are best placed to help you find the perfect property loan for your needs.
Mortgage Brokers in Brentwood

Home mover

We can also assist if you are looking for a mortgage because you want to buy your second, third, fourth+ home! This can often be a little bit complicated, as you now find yourself in a bit of a chain. However, there is no need to worry, as we will make everything as stress-free as possible. We will help you to understand the best options that are available to you if you want to move property. 

If the property is more expensive, it is important to think about how you’re going to go about either extending your current mortgage (if possible) or moving onto a new one.
Home mover mortgage brokers Brentwood area
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The different types of mortgages

There are so many different types of mortgage products on the market today. You have mortgages from the big banks, as well as those from smaller, specialist lenders. You also have shared and solo mortgages, as well as mortgages that have been designed for self-employed individuals. Furthermore, if you are looking to purchase a property because you then want to rent it out and make further income, you are going to need to make sure you select a buy-to-let mortgage, and again, this is something that we would be happy to help you with.

You then have the option of choosing between a fixed rate or variable rate mortgage. A lot of mortgages will start off as being fixed, and then they will move to a variable rate. There are a lot of other factors that need to be considered as well, for example, the length of the mortgage, your monthly payment rates, the size of the deposit you have available, and how much you are going to be able to borrow. We can help you to navigate all of this.
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Our Mortgage Process

We make it easy and simple for you to get the advice and help you need. All you need to do is get in touch to speak with one of our friendly and experienced advisors today. They will be more than happy to answer any of the queries you have and to make sure that you end up with the perfect mortgage for you. 

It all begins with a conversation, and you are under no obligation to continue with our service, so you really do not have anything to lose by getting in touch with our professional and friendly independent mortgage advice team today.

Benefits of using BOLT

  • Access to a wide range of mortgage products
  • We can help you to understand the best mortgage for your current situation
  • Impartial and fair advice from a mortgage broker
  • Great for first-time buyers who need mortgage assistance
  • We can also assist with buy-to-let mortgage advice

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.

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