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Mortgage Broker Rayleigh

Expert Mortgage Advice

At Bolt Mortgages, we understand the importance of working with an honest and dedicated team of mortgage brokers and advisors to help you through the moving process. That is why we are here to provide you with a team of reliable and hardworking experts in Rayleigh, who can help you through all the confusion.

Whether you are downsizing your property as your children have recently flown the nest, or you are upsizing to extend your family, our team of mortgage brokers and advisors can help find the right property for you and assist you through any complicated paperwork.
Mortgage Broker Basildon

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

At Bolt Mortgages, we offer a variety of services for property buyers in Rayleigh and Essex. Whether this is your first time buying a property or you have done it many times before, using our services can provide you with a variety of benefits throughout your property buying process. The service we provide include:

First Time Buyers

Buying a property for the first time can be overwhelming as it is a big step and a long-term commitment. A home is the biggest asset you will ever own, so you must understand the process and work with mortgage brokers who know what they’re doing.

We can help you start your journey on the property ladder. Making mistakes when going through the property-buying process can cost you a lot of money and stress, which is why it is important to work with a reliable mortgage broker.

For more information on the services we provide for first time buyer mortgages in Rayleigh, get in contact with us today!
Mortgage Advice in Basildon

Buy To Let

If you are looking to become a landlord or add to your portfolio of rental properties, Bolt Mortgages are here to provide you with any advice and guidance you may need. Our buy-to-let specialist team will be there to help you through your next buy-to-let mortgage.

Our expert advice and professional service can make the whole process quicker and easier and make your investments work harder for you!

For more information on the services we provide for buy-to-let mortgages in Rayleigh, get in contact with us today!
Buy to let mortgage advice Basildon

Home Mover

People choose to move properties for a variety of reasons. You may be moving out of your family home and into your own property for the first time, or you may be extending your family and need a larger property to live in. Whatever your situation is, our team of mortgage brokers and mortgage advisors in Rayleigh are here to help the process feel stress-free and easy.

When moving properties, you will have to complete a lot of complicated paperwork which can make the process even more confusing! Our team at Bolt Mortgages are here to make it all make sense.

For more information on the services we provide for home mover mortgages in Rayleigh, get in contact with us today!
Home mover mortgage brokers in Basildon
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The different types of mortgages

There are various types of mortgages available to us in the UK. At Bolt Mortgages, our team of mortgage advisors and mortgage brokers are here to assist you throughout the process of whichever type of mortgage you are looking for. Types of mortgages that are available to us in the UK include variable-rate mortgages (tracker & discount), fixed-rate mortgages and standard variable rate mortgages.

Variable-rate mortgages cover two main types of mortgage: tracker and discount mortgages. With a tracker mortgage, the interest rate tracks the Bank of England base rate. Tracker mortgages are usually used for a short period of time to introduce you to a mortgage (around two years) and then you are moved onto your lender’s standard variable rate. With a discount mortgage, the lender’s standard variable rate is paid but a fixed amount is discounted.

Fixed-rate mortgages mean that the same interest rate is paid for the whole deal period, even if the interest rate changes elsewhere. The most common deal periods are two years and five years and then you are moved onto your lender’s standard variable rate. Choosing a fixed-rate mortgage will depend on whether you know if your income is going to change.

All lenders have a standard variable rate, which is put at whatever level it wishes; it is not linked to the Bank of England base rate. Your payments could potentially go up when you are part of a standard variable rate mortgage as lenders can change their standard variable rate whenever they wish.
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Our Mortgage Process

We make the mortgage process as quick and easy as possible. Our team of mortgage brokers and mortgage advisors in Rayleigh will book you in for a 30 minute, free consultation to discuss your situation and get a plan developed to get you started with your mortgage.

After this, our team of mortgage advisors will provide you with advice and guidance throughout the entire mortgage process up to when you find your property. Once you have found a property you would like to buy, we will arrange another appointment to confirm all final details regarding the mortgage application.

Once your mortgage is submitted, our team of reliable mortgage progression managers will maintain the entire process, involving solicitors, estate agents and mortgage companies so that they are all working together effectively.

Benefits of using BOLT

Our mortgage brokers and advisors can provide various benefits for you throughout your mortgage process. Benefits include:
  • Time and money are saved. 
  • Expert financial advice. 
  • Better access to lenders.
  • Help throughout paperwork.
  • We handle the application for you.
  • Access to a wider range of mortgages.
  • Experienced advisors and brokers.
For more information on the services we provide at Bolt Mortgages in Rayleigh, get in contact with us today and book your 30 minute, free consultation!

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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