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Mortgage Broker Saffron Walden

Mortgage Advice From Experts

Mortgage advisors in Saffron Walden

Bolt Mortgages offer expert and friendly mortgage advisory services for anyone in the area of Saffron Walden. If you live in Saffron Walden, our highly rated mortgage providers will help you to choose the right deal for you and get you into your new home in no time. Whether you are buying your first home or your fifth, our friendly advisors have the expertise to provide you with all the knowledge you need to make an informed decision about your mortgage. 

We will provide you with an agreement principle, expert advice, and a full mortgage package that suits you and your family. If you are in Saffron Walden and looking for a new mortgage, don’t hesitate to contact us today.
Mortgage Broker Saffron Walden

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.

Mortgage services in Saffron Walden

First time buyer mortgages

Buying your first home is exciting but can also be incredibly daunting. As a first time buyer, the mortgage process may seem complex and confusing, and when trying to do it yourself it is easy to make mistakes. Making a simple mistake during the mortgage process could cost you dearly, and that’s why we are here to ensure that your mortgage process goes smoothly. 

We will take the stress away from you and talk you through all of your options, and this will allow you to make the best decision for your mortgage this year.
Mortgage Advisors Saffron Walden

Buy to let mortgages

If you are looking to create a property portfolio or you fancy becoming a landlord - allow us to help you with your mortgage. If you are in the market for a great investment opportunity, we will ensure that you get the best value deal for your mortgage. 

Our Buy To Let specialist mortgage broker team has years of experience specialising in buy to let mortgages and this makes us uniquely equipped to facilitate your home move. Allow us to save you time on your mortgage process and buy faster this year.
buy to let mortgages

Home mover mortgages

It’s not only first time buyers that we help here at Bolt Mortgages - we will help you no matter what house you want to buy this year. Are you upsizing to cope with a growing family? Or are you simply looking for a new place to call home? If so, our expert mortgage advisors are here to take the stress away and guide you through every step of the process. 

Allow us to find you the perfect home for your family in Saffron Walden this year.
home move mortgages in Saffron Walden
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The different types of mortgages in Saffron Wallden

There are a few different types of mortgages to consider when buying a home and if you are unfamiliar with them, they can be a little difficult to understand. Here are the main types of mortgages you can get.
Fixed rate mortgage

A fixed rate mortgage will take the current interest rate and will fix this value for every payment you make over a period of 10, 20, 30, and even 50 years of a mortgage. A fixed rate means that you will always pay the same amount no matter the changes in the live market and it will be a useful way to calculate your finances if you are a family who has a lot of financial responsibilities.
Variable Rate Mortgage

A variable rate mortgage, also known as a tracker mortgage, is the opposite to a fixed rate mortgage and it will track the market interest rate, with this live value being what you will pay every month on top of your mortgage. In other words, if the interest rate suddenly skyrockets one month your mortgage payment will be much higher, but if it drops, you’ll save a lot of money. Whilst this is a great option for some, it might not be for everyone and if you prefer to have a set value ticked off your bills then stick with a fixed rate instead.
Interest Only Mortgages

Interest is charged on every type of mortgage, but this is added to a sum of money you pay as a portion of your new property. However, an interest only mortgage will mean you no longer pay a portion of the value of your home, but instead you just pay the interest. While this can be very useful for a smaller family with less money, it means that you don’t own your house and if you want to buy it you’ll have to pay a balloon payment at the end of the term.
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Our mortgage process

Our team works with every type of buyer whether you are the first time buyer or you are doing so for investment purposes. We are here to help inform and find you the best possible deal for your mortgage, and we will ensure that you make the right decision for yourself and your family.

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!

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

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