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First Time Mortgage Broker Essex & Suffolk2019-11-29T11:39:33+00:00

First Time Mortgage Broker in Essex & Suffolk

Unbiased, stress-free first time mortgage advice from the top first time mortgage broker in Essex & Suffolk

Looking for free first-time buyer mortgage advice in Essex & Suffolk? Get in touch with Fees Free Mortgages

First Time Mortgage Broker in Essex & Suffolk

Unbiased, stress-free first-time mortgage advice from the top first time mortgage broker in Essex & Suffolk

Looking for free first-time buyer mortgage advice in Essex & Suffolk? Get in touch with Fees Free Mortgages

Don’t take our word for it…

We are a Top Rated 2019 vouchedfor mortgage advisor, checked more thoroughly than any other.

Check our reviews

vouchedfor Reviews

  • Martin Bright could not have done anything better, he listened to my needs, acted upon them promptly to get me the best and the right deal.

  • Martin was a tremendous help with mortgage and life insurance advice. His knowledge and expert advice was a real guiding light throughout the complexities of navigating both these areas for the very first time. We wouldn’t hesitate to recommend him. He is personable, conscientious and everything you could hope for in an advisor.

Vouched For Martin Bright Fees Free Mortgages
FCA - Financial Conduct Authority - Fees Free Mortgages
Certificate in Mortgage Advice and Practice (CeMAP) - Fees Free Mortgages

First Time Mortgage Broker in Essex & Suffolk – Our Tailored Approach

The difference between Fees Free Mortgages and the ‘big boys’ is an independent service tailored to your actual situation. Click the button below to complete our First Time Mortgage Broker Essex & Suffolk on-boarding 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.

Get Tailored Mortgage Advice

We Make It Easy

Buying your first home should be fun – not frightening. We provide mortgage advice for first-time buyers, helping you at every stage of the application process.

  • You don’t have to figure it all out by yourself. We guide you through the entire homebuying journey.

  • Your personal first time buyer mortgage adviser guides you through the journey, from your very first call with us to the day you move in.

First Time Mortgage Broker Suffolk

We’re Independent

You wouldn’t settle for any old home, so why would you settle for any old mortgage?

  • We’re an independent first time buyer mortgage broker, which means we’re not tied to any lenders.

  • We look at the whole market to deliver the best mortgage rates for first-time buyers.

First Time Mortgage Broker Suffolk

We Can Save You Money

Your first time buyer mortgage adviser learns everything they need to know about your circumstances, so they can find you the best rates for your situation.

  • We could potentially save you up to tens of thousands throughout the term of your mortgage – that’s money you could spend on your new home.

  • We take your circumstances into account to find the best deal that suits you best.

First Time Mortgage Broker Suffolk

Our Mortgages Are Fees Free

Fees free mortgages means that you don’t have to pay a large lump sum to secure the deal you want.

  • No need to pay any fees for arrangement upfront, which can be tricky if you’re on a tight budget.

  • We talk you through the available options and work out which mortgage will be cheapest overall, based on your individual circumstances.

First Time Mortgage Broker Suffolk

Help To Buy Scheme

Our mortgage advisers are happy to answer any questions you have on the Help to Buy schemes. There’s no obligation and no charge for our service.

  • Help to Buy is a government scheme designed to help people with limited deposits buy their first property and to secure their first time buyer mortgage.

  • The scheme is available to both first time buyers and existing homeowners who are finding it hard to move up the property ladder.

Help to Buy - First Time Mortgage Broker Essex

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.

A professional, calm, honest and genuine approach to mortgaging for the first time.

Buying a house for the first time can be overwhelming, let us help with our free mortgage advice.

How it works

Mortgages in 5 easy steps

Your Fees Free Mortgages expert won’t be paid a commission based on the size of your loan, or the choice of lender. So their only motivation is to get you the most suitable mortgage deal.

First Time Mortgage Broker Essex

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