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Mortgage Brokers Wickford

Professional mortgage advice

Mortgage Advisors in Wickford

Are you searching for the best mortgage advice Wickford has to offer? If so, you have certainly come to the right place. Here at Bolt Mortgages, we have helped many people to secure their dream homes by providing them with independent and impartial mortgage advice. With so many different mortgage products on the market today, it can often feel like it is difficult to know where to begin. 

However, there is no need to worry, as we are here to help you every step of the way. Read on to discover more about the service we provide and do not hesitate to give us a call today to get started.
Mortgage Broker Wickford

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

We provide a number of different services, ensuring that we can help clients in many different situations to find the mortgage that is right for them. Our services include:

First time buyers

Are you looking to purchase your first property? This is an exciting period, but it can be a bit of an overwhelming one as well. The good news is that there are a number of different schemes and government programs that can help you to purchase your first property. We can provide you with some advice and guidance regarding those, as well as making sure that you are aware of the best mortgage products on the market for first-time buyers.
Mortgage Advice in Wickford

But to let

Property has always been considered a good investment choice, as it can provide long-term income. However, if you want to purchase a property with the aim of renting it out, you need to make sure that you opt for a buy-to-let mortgage. You cannot simply go for a first-time buyer or home mover mortgage. You need to make it clear that your intention is to rent out the property, not live in it, and this requires going down the buy-to-let route.
Buy to let mortgage advice Wickford

Home mover

if you have already taken out a mortgage and you currently live in a property, yet you would like to move somewhere else, we can help you to understand all of the different options that are available to you here. It may be possible to strike a deal with your existing mortgage provider or you may need to look to transition to a new mortgage altogether. 

Either way, with our independent mortgage advice, you will be able to come up with the solution that is right for your specific needs.
Home mover mortgage brokers in Wickford
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The different types of mortgages

There are so many different types of mortgage products on the market today. This includes different types of mortgages, such as self-employed mortgages, mortgages for first-time buyers, joint mortgages, and solo mortgages. There are also many different types of mortgage providers, including small, specialist lenders and big, well-known banks. You also need to consider your reason for wanting to purchase the property in question. As mentioned, if you intend to rent the property out, you are going to need to go for a buy-to-let mortgage.

You also have to decide on whether you want a fixed rate or variable rate mortgage. A lot of mortgages will start off as being fixed, and then they will move to a variable rate. Plus, we can help you when it comes to all of the other key decisions you are going to need to make when taking out a mortgage. This includes how much you may be able to borrow, how your deposit impacts your mortgage options, your monthly payment rates, and the length of your mortgage as well.
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Our Mortgage Process

We have worked hard to make sure that our process is easy and straightforward. All you need to do is pick up the phone and you will speak with one of our kind and professional advisors who will be happy to assist you in any manner possible. You really have nothing to lose by getting in touch, as you are under no obligation to continue with our service. 

If you do, however, you can be sure that we will be there for you every step of the way, ensuring that you end up with the perfect mortgage for your goals and the type of house that you want to purchase.

Benefits of using BOLT

  • Access to a broad range of mortgage products
  • Excellent for first-time buyers who need mortgage help
  • We can also help with buy-to-let mortgage advice
  • Bolt can help you to understand the best mortgage for your current situation
  • Fair and impartial advice from an independent mortgage broker

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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