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Our Mortgage Broker Guide to getting a mortgage in Clacton on Sea

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Clacton on Sea Tip 1
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Consolidate your credit card debt

If you've run up large balances owed over many credit cards, consolidating the debt into a single card or loan with a lower interest rate and/or fees will mean you pay out less and the debt will be easier to manage and pay down.

Offset Mortgage

These can themselves be fixed or variable rate mortgages but always involve the mortgagor (or associate of a mortgagor) having a linked savings account. They work by interest which accrues on the savings account being offset against the interest charged on the mortgage.

The theory is that you'll pay off your mortgage more quickly because of the boost offered by your savings interest. However you cannot then use your savings interest as income and offset mortgages most often don't give you access to discounted rate deals.


Clacton on Sea is the largest town in Tendring Borough in Essex and is principally known as a seaside resort. It also has two business/industrial parks.

Clacton Pier is a perennial favourite with its leisure and amusement facilities and Westcliff Theatre in Tower Road hosts a variety of performances, ranging from those for kids & family to drama, live music and talks.

CO15 1NP

Property Price Stats for Clacton on Sea


Average property price in Clacton on Sea £168,367
% Change compared to last year 4%
Population of Clacton on Sea 55,000


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

Mortgage Broker Clacton on Sea - Recently Completed

  • 81 Crown Road, Clacton On Sea, Essex, CO15 1AU
  • 22 Alton Park Road, Clacton-on-Sea, Essex, CO15 1ED
  • 22 Alton Park Road, Clacton-on-Sea, Essex, CO15 1ED
  • 80 Spenser Way, Jaywick, Clacton on Sea, Essex, CO15 2QU
  • 2 Nansen Road, Holland on Sea, Essex, CO15 5ED

Local High Street Banks in Clacton on Sea

Mortgage Broker in and around Clacton on Sea

Our Clacton on Sea mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Frinton on Sea, Weeley, Thorpe le Soken, Holland on Sea, Great Bentley, Canewdon and St Osyth.

Which banks are local to you?


  • Barclays Bank Plc - 27 Station Rd, Clacton-on-Sea CO15 1TD
  • Lloyds Bank Plc - 1 West Ave, Clacton-on-Sea CO15 1QP
  • HSBC Bank Plc - 47 Station Rd, Clacton-on-Sea CO15 1RR

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Clacton on Sea Mortgage Broker Insider Tips

Book your mortgage valuation as soon as you've had your offer accepted

If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle but then, once you've had an offer accepted, your mortgage lender has to value the property and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.

You can therefore minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down. 

Additionally, if there's any issues, like your lender undervaluing your property or making you a conditional offer, there might be further delays.

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