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Mortgage Broker Southend

Local Mortgage Advisors

Mortgage advice in Southend

Here at Bolt Mortgages, we offer quality mortgage advice for anyone seeking a mortgage in Southend. If you are in the Southend area, come to us and gain access to an expert mortgage broker in no time. Bolt Mortgages are one of the most highly rated mortgage brokers in Southend on Sea, so when you choose us you know you are in good hands and on track to find the best mortgage deals.

Whether you are a first-time buyer, you are looking for a bigger family home, or you are moving for professional reasons - we are here to provide you with all of the support you need to get the best mortgage lender for your home.

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 Southend and looking for a new mortgage, don’t hesitate to contact us today.
Mortgage Broker Southend

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.

We help you find the best mortgage deal in Southend

First-time buyers mortgage

Getting on the property ladder can be a daunting task and one which might seem impossible if you are unfamiliar with the mortgage process. But don’t fret, we are here to guide you through the whole process, and with our help, you will be moving into your first home in no time at all. We know how important it is to find the right first home, and we want to take the stress away from you and help you find your own space and make your mark. 

It is easy for first-time buyers to make simple mistakes during the mortgage process, and these can have serious financial consequences for you and your family. With our help, you can avoid these pitfalls and our experts will ensure that the mortgage process goes on without a hitch. Trust us to help you move into your first home in Southend.
Mortgage Advisors in Southend

Buy to let mortgage brokers in Southend

Are you hoping to invest in property and become a landlord? If you are in the market for a great investment opportunity, our expert mortgage advisers in Southend will be able to help you get the best possible deal for your new property. 

Our Buy To Let specialist mortgage broker team is specially equipped to provide you with all the tools you need to purchase your next portfolio piece. Save time on the mortgage process and buy faster with the help of our mortgage team.
Buy to let mortgages southend

Home mover mortgage

Whether it’s your second or fifth home move and you are looking for a new home to provide you with the perfect family space - we are here to help the process move quickly.

It doesn’t matter how many times you have moved house; it is always a stressful experience and that’s why our team of expert home mover mortgage advisers will be there every step of the way. Allow us to find the best possible mortgage for you and ensure that it is within a comfortable budget for you and your family.
Home mover mortgage advice in southend
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The different types of mortgages in Southend on Sea

There are a few main types of mortgages that are offered, and here at Bolt Mortgages we can help you understand each type and find the one that works best for you.

Fixed rate mortgage

A fixed rate mortgage will allow you to pay off mortgage payments over a fixed period of time. - usualy between 2-10 years. The reason it is fixed is that the interest rate will not change along with the market- meaning that your payments will always be the same no matter what.

Variable rate mortgage

A tracker mortgage will become active on the day you sign the contract and as the mortgage begins, it will take the current interest rate and use this for your payments. This means as there are peaks and troughs in the interest rates, your payments will change, and this can be both a blessing and a curse. For those who are a little less worried about their monthly payments a tracker as it can sometimes allow for more flexibility with yoyr mortgage.

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Our mortgage process

Our team works with all types of home buyer and helps them navigate the mortgage world. If you are looking to buy your first home, or your fourth home this year, we are here to guide you through your options and use your financial information to come up with the best plan that works for your situation.

The benefits of using BOLT

  • Expert mortgage advisors 
  • Years of experience 
  • Friendly and personable 
  • Specialising in mortgage finance
  • Fast, easy and stress free service

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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