Mortgage advisors in Chelmsford

Bolt Mortgages are a team of reliable mortgage brokers in Chelmsford offering a range of services to give the best mortgage advice for our clients. Our mortgage advisers can support you through the entire mortgage application process, providing an excellent service with the aim of finding the right deal with the aim of making the home buying process as stress-free as possible.

Your individual needs are important to us, as is protecting your hard earned money. As such, we are authorised and regulated by the financial conduct authority, so you can rest assured that you are adequately protected when using our financial services.

Call our mortgage advisers in Chelmsford today for a FREE consultation!

Services offered by our Chelmsford mortgage brokers

First time buyers mortgages

Buying a home for the first time is an exciting but scary prospect; not only is it a massive financial commitment with expensive monthly repayments, but it can also be a very stressful experience if you have limited knowledge of the procedures of getting a new mortgage. Even if you have an understanding of the processes, are informed on mortgage rates and have run your figures through a mortgage calculator, there is no guarantee that you’ll get the right mortgage deal for you!

The best way to avoid any mishaps is to work with a qualified independent mortgage adviser from the start. Any one of our mortgage advisers will ask about your finances, personal requirements and desired goals, utilising this information to offer advice and introduce you to exclusive deals only available to our clients. Bolt Mortgages will be there to lean on for support during the entire mortgage application process and through to completion.

Buy to let mortgages

A buy-to-let mortgage is an excellent long term investment; it protects your money and offers a better rate of return than standard inflation. This type of mortgage allows you to take a loan on a property you don’t intend to live in then rent it to a third party tenant for profit or to just make the repayments on your mortgage. It is important to recognise that renting out a home can often be more time consuming than you realise, but this can be mitigated by working with estate agents.

Not only can you get free advice on a buy to let mortgage itself, but the advisor may also be able to help you fund the investment through equity release or other available mortgage solutions. It might seem like an obvious thing to do if you have a sum of capital sitting around in a bank account; it’s a low-risk investment with high potential returns. It is most certainly a way to secure the financial situation of your family, but it also provide a level of life assurance for the generations to come. As with any investment, there are some disadvantages, so speak to a member of our team for some free advice before you invest.

Home mover mortgages

Moving home is an exciting time; you get a fresh start in a new property, with new neighbours and a fresh location. But it isn’t always plain sailing; buying and selling a house simultaneously can be stressful and time-consuming. Issues such as a property chain, or even issues with an estate agent can be enough throw a spanner in the works, sometimes resulting in people missing out on the property of their dreams.

A mortgage advisor can take the pressure off you by managing the legal side of things and making sure everything is in ship-shape for your big move. In addition, having a mortgage advisor on your side means you can concentrate on other important items on the to-do list.