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Contact2019-11-25T18:34:28+00:00

Contact Fees Free Mortgages

Looking for Unbaised Mortgage Advise for Free? Contact Fees Free Mortgages to be one step closer to your dream home.

FEES FREE MORTGAGES
HEADQUARTERS

  • Fees Free Mortgages,
    The Workshop,
    12 York Street,
    Manningtree,
    Essex, CO11 1DD

PHONE

SUPPORT

Connect with Fees Free Mortgages

Drop us an email, complete the quick form or give us a call. We’re here to give you a hand through every step of securing your mortgage. Fill out the form and one of our Mortgages Brokers in Essex will call you and give you unbiased, whole market mortgage advise absolutely free. We’d love to help.

First Name *
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Subject

How can we help?

Fees Free Mortgages
Essex Office

Our Tailored Approach

The difference between Fees Free Mortgages and the ‘big boys’ is an independent service tailored to your actual situation. Click a button below to complete our onboarding questionnaire. These initial questions give us a good overview and the end result will be a call to introduce ourselves, finish off the ‘fact find’ and then we’ll go and personally research your best options.

Buying a new home
Remortgaging

Fees Free Mortgages Services

We love providing whole of market mortgage advice in Colchester and believe that any interaction with us will be a positive experience because we do our best to help you achieve all your mortgage goals!

First Time
Buyers

We love helping you get on to the property ladder. We’ll oversee your first purchase from start to finish!

Home
Movers

Is it time for a change? We’ll provide you with support from start to finish to achieve your dream home!!

Remortgages
.

We’ll review your options with your existing lender and compare them against the market for you. 

Capital
Raising

What’s your next project? We can advise on capital raising for new cars, holidays or home improvements. 

Debt
Refinancing

Eye-watering repayments? Speak to us about re-financing your outstanding debts to reduce your outgoings.

Life
Insurance

We provide regulated advice for Life Insurance, Income Protection and Critical Illness Cover.

Benefits of Fees Free Mortgages

We’ll find the best mortgage deal that suits you and give you expert financial advice while taking care of your whole mortgage application. Best of all, we’re FEES FREE! Putting the Free in Fees Free Mortgages.

Fees
Free

No mortgage broker fees – Many firms charge upfront fees, or fees on completion.

Personal
Service

No call centres and only 2 points of contact (Mortgage Broker & Case Manager)

Unbiased
Advice

We review the whole of the market, giving unbiased and independent mortgage advice.

Regulated &
Accountable

We are directly authorised by the FCA and fully accountable for the mortgage advice we give.

Free
Advice

Free financial advice, including; mortgage, life insurance & protection.

Ongoing
Contact

We handle all the hard work and keep you updated until your mortgage completes.

Free Mortgage Advice (FAQs)

What are the approximate timescales for a Purchase and a Sale to complete?2020-02-18T20:34:35+00:00

Approximate Freehold Sale / Purchase: 4-6 weeks*

Approximate Leasehold Sale / Purchase case: 8-12 weeks*

*Please note these timescales are only an estimate and will depend on the complexity of the transaction.

What fees do mortgage brokers charge?2020-01-19T22:24:22+00:00

Not all mortgage brokers charge fees! Some brokers will charge upfront fees, completion fees or percentage fees. Fees Free Mortgages are completely fees free as we get paid by the banks that we recommend. We are completely independent and unbiased, so will always strive to get you the best mortgage deal.

Where do I start buying a house for the first time?2019-11-25T18:01:11+00:00

Our mortgage advisors will take the time to explain the process in simple steps. We will also help to assist with other services you will need along the way for example; valuations, insurances and finding a solicitor.

What information do you need to get a mortgage?2019-11-25T17:59:39+00:00

A mortgage advisor will need to get an overview of those who are named on, or wish to be named on a mortgage. An idea of household income and outgoings will assist the advisor to make affordability checks. Most importantly the advisor will need to get an overview of your objectives, finding out exactly what you’d like to achieve!

Can I borrow more money on my mortgage?2019-11-25T17:58:57+00:00

Yes, subject to meeting mortgage lender’s criteria. Many homeowners borrow more to improve or extend their home, or to consolidate their other outgoings.

Can I amend / shorten the term of my mortgage?2019-11-25T17:57:48+00:00

Yes, in some circumstances you can either shorten or lengthen your mortgage term. It’s recommended that a qualified advisor get to know your situation and your motives to be able to advise accordingly on this.

How much deposit do you need for a mortgage?2019-11-25T17:45:09+00:00

Deposits are specific to each individual scenario. Typically, you could put down a deposit of as little as 5% of the property value. This is subject to meeting specific lending criteria which we will be able to assess for you.

What is a fee free mortgage?2019-11-25T17:48:22+00:00

There can be many fees which are involved when you remortgage, however one fee that we don’t charge is a ‘broker fee’. We just get paid by the back – simple!

Do mortgage advisors charge a fee?2019-11-25T17:50:18+00:00

Not all mortgage brokers! Some brokers will charge upfront fees, completion fees or percentage fees. Fees Free Mortgages are completely fees free as we get paid by the banks that we recommend.

What is a mortgage product fee?2019-11-25T17:51:47+00:00

A mortgage product fee is often known as an arrangement fee. Banks usually offer lower rates but with a fee which can either paid upon application or added to the loan on completion. We’ll calculate whether it’s worth paying the arrangement fee for you!

How can I avoid early repayment charges on my mortgage?2019-11-25T17:53:32+00:00

If your preferences are that you would prefer an option without early repayment charges, we can base our research on this preference. A small number of lenders offer fixed or tracker rates where the entire loan can be repaid, in full, without penalty.

What does ‘whole of market’ mean?2019-11-25T17:56:25+00:00

An advisor who is ‘whole of market’ is an advisor who has access to the entire mortgage market. Some advisors are ‘tied’ and only have access to a certain panel of lenders.

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Looking for mortgage help? Get in touch with Fees Free Mortgages

Mortgage Broker Essex

WHOLE OF MARKET REVIEW