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Mortgage Broker Chelmsford

Expert Mortgage Advice

Mortgage advisors in Chelmsford

Bolt Mortgages are a team of reliable mortgage brokers in Chelmsford offering a range of services to get the best mortgage deal 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 lowest rates available to you.

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!
Mortgage Broker Chelmsford
Mortgage Advisors Chelmsford
Bolt Mortgages are authorised and regulated by the financial conduct authority.

We are Bolt mortgages.

Working with Bolt Mortgages allows you to tap into the mortgage market, with an appointed representative contributing bespoke mortgage advice, helping clients to cut through the jargon and avoid unnecessary mortgage products. Your assigned mortgage adviser will reduce the stress that comes with entire process, helping to deal with estate agents, financial institutions and the legal side of buying a home.

If you need a mortgage broker in Chelmsford, call Bolt Mortgages today for some free advice!
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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.

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.
Mortgage Advice in Chelmsford

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.
Buy to let mortgage advice

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.
Home mover mortgage brokers
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The different types of mortgages

You can choose from four types of mortgages: remortgage, first-time buyer, moving home, and buy-to-let. The best mortgage for you depends on your life situation and your long term plans. It’s a good idea to consult with the team at Bolt, or any other high street mortgage advisor, to get the best chance of securing your perfect mortgage.

Remortgaging your home in Chelmsford refers to the process of changing your mortgage deal with your provider to either free up some cash or make more savings and investments. Sometimes the market is ripe for remortgaging your home to take advantage of variable interest rates, on the other hand, an increase in property prices in the market means that you can free up some equity. Speak to a Chelmsford mortgage advisor at Bolt today!

There are usually some good offers for first-time buyers, such as lower interest rates and reduced deposits. The trouble is, first-time buyers might not have all the information they need to make the most pragmatic decisions - that’s why it pays to have a reliable and trustwothy independent mortgage broker on your side. Mortgage calculators and online advice can only get you so far, but working with an expert can help you save money, even with their typical fee included.

A moving home mortgage is the transfer of a mortgage to a new home. This can be a complicated process since there might be some outstanding equity or additional payments to be made. On the other hand, buy-to-let mortgages are investment opportunities that let you buy a property and let it out to a third party for profit.

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Our mortgage process

Our mortgage advisor process is a three-step process. It begins with a booking/free consulation with one of our Chelmsford mortgage brokers, then a guiding service, concluding with completion. If you need someone to keep you on the right track all the way, you can start by booking a 30-minute consultation with our mortgage brokers in Chelmsford today!

The guidance stage is where we offer you advice and introduce you to some of the best deals available to our clients. We advise you up to the point of finding your new home then confirm the details with a final appointment. The completion stage involves the final submission of your mortgage application.

If you want to learn more about the options available in the Chelmsford area, or surrounding areas of Essex, contact us today!

Why choose bolt mortgages?

  • Flexible mortgage terms with a range of option
  • Professional mortgage advisors that keep you informed 
  • Industry experts with extensive experience
  • Access to the best deal on the market
  • We can help alleviate stress and save you money!

Mortgages advice near you!

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.

There are however a lot of factors that can affect rates and eligibility, such as if you are self employed. 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?

You have two options when you move house, you can either remortgage or take your mortgage with you to the new house.

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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