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Our Mortgage Broker Guide to getting a mortgage in Essex

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 Essex Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

No credit history? Take out a small loan and repay it completely

If you've no credit history, your credit score will not be excellent because you'll have no track record of paying back a loan correctly. So you might want to take out a small loan – with small repayment amounts – and pay the loan back on time.

Once you've paid back the loan successfully, this will be reflected in an uplift in your credit score.

No Deposit Mortgage

No deposit mortgages are designed such that the applicant gets a 100% loan to value (LTV) from the lender without having to provide the normal 10% deposit.

The applicant must, however, have an associate (most often a family member) who provides security for the mortgage loan normally by either agreeing to leave a sum of money in a linked account for a set period of time (the lender controls the account during that time period) or by putting up their own house as collateral.

If the mortgage holder defaults on repayments, the lender can remove funds from the linked account or force the associate to release value from their own home to make up the shortfall.

To find out more, click on No Deposit Mortgages


Essex is a county to the north-east of London and touches the Greater London area. It is numbered in the Home Counties. Essex's county town in Chelmsford. Counties bordering Essex include Suffolk, Cambridgeshire and Hertfordshire. Kent is across the Thames to Essex's south. br>
In Colchester, Essex hosts a settlement that used to be the capital of England back in Roman times (Camulodunum as was). Danbury in Essex hosts the largest Adder population in the UK. Waltham Abbey is the burial place of King Harold, who died in the Battle of Hastings. Essex has the longest coastline of all the English counties; seaside resorts include Clacton-on-Sea and Southend-on-Sea.

IG6 1LT

Property Price Stats for Essex


Average property price in Essex £299,969
% Change compared to last year 10%
Population of Essex 1,729,200 (2014)


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 Essex - Recently Completed

  • Carlton Court, Craven Gardens, Barkingside, Essex IG6 1LT
  • 46 Cranstone Park Avenue, Upminster, Essex, RM14 3UT
  • 196 Willowfield, Harlow, Essex, CM18 6RZ
  • 11 Featherstone Court, 287 - 295 High Road, Chadwell Heath, Essex, RM6 6DJ
  • 55 Bentry Road, Dagenham, Essex, RM8 3PA

Local High Street Banks in Essex

Mortgage Broker in and around Essex

Our Essex mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Chelmsford, Colchester, Basildon, Harlow, Grays, Enborne Row and Benfleet.

Which banks are local to you?


  • TSB - 88-89 High St, Chelmsford CM1 1DX
  • Metro Bank - Brewery Walk, Waterloo Road, Romford RM1 1AU
  • HSBC - Great Square, Braintree CM7 1TX

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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FREE mortgage consultations for Essex

Mortgage Brokers Essex offering free first consultation (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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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.

Essex Mortgage Broker Insider Tips

Receiving a gifted deposit? Ensure that the donor/s have their IDs and proof of funds to hand.

When you instruct a solicitor to buy or sell a property, you need to give them proof of ID and address and proof of funds. 

If you're being helped with deposit funds from family members etc., your solicitor will want to know who these people are and where their money in turn has come from and they will have to prepare a signed and witnessed gifted deposit declaration.

Ensuring that anyone gifting deposit funds to you has these items in readiness guards against unnecessary delays.

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