Mortgage Brokers in Southend-on-Sea

Total Result 23 - Page 1

R3 Mortgages Ltd

R3 Mortgages Ltd

The Hive 2nd floor, Old Central Library , Southend-On-Sea , SS2 6EX 01702 742373

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Nationwide Building Society

Nationwide Building Society

14 London Rd , Southend-On-Sea , SS1 1QH 0800 554 0226

As a mutual, we’re owned by and run for, the advantage of our members* – that means we’re free to reinvest extra of our earnings into better services and products. Final yr alone, we paid again ...

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Royal Bank of Scotland

Royal Bank of Scotland

13/15 London Rd , Southend-On-Sea , SS1 1PR 0345 724 2424

The Royal Bank of Scotland PLC offers many services including loans, mortgages, financial advice and foreign exchange....

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Santander

Santander

9 London Rd , Southend-On-Sea , SS1 1NZ 0800 912 3123

Santander provide a wide range of banking services, from current and savings accounts to loans, credit cards and mortgages....

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Devine Financial Management Ltd

Devine Financial Management Ltd

4th floor The Gateway Building, 10, Elmer Approach , Southend-On-Sea , SS1 1LW 01702 328430

We're whole-of-market (i.e. absolutely impartial) Financial Advisers primarily based in Southend on the to the Gateway Constructing, which sits simply again from the High Street and very close to Sout...

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Jewellers' Workshop

Jewellers' Workshop

18 Queens Rd , Southend-On-Sea , SS1 1LU 01702 335130

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Amber Mortgage Solutions

Amber Mortgage Solutions

Ground Floor The Old Exchange, 234 Southchurch Rd , Southend-On-Sea , SS1 2EG 01702 619221

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The Co-operative Bank

The Co-operative Bank

40 London Rd , Southend-On-Sea , SS1 1NW 01702 435835

The Co-operative Bank PLC provides a wide range of financial services. They also have ATM machines for cash withdrawal and statement services....

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The Money Hub Ltd

The Money Hub Ltd

Thamesgate House, 33-41, Victoria Avenue , Southend-On-Sea , SS2 6DF 020 3725 5830

We are brokers specialising in a range of products such as Mortgages, Secured Loans, Bridging Finance, Commercial Finance and Life & Serious Illness Insurance....

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NatWest Bank plc

NatWest Bank plc

132 High St , Southend-On-Sea , SS1 1JX 0345 788 8444

NatWest is a large high street bank with branches nationwide. They offer various services such as financial advice, loans, mortgages and foreign exchange....

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Halifax

Halifax

108 High St , Southend-On-Sea , SS1 1LB 0345 720 3040

Halifax is a unique bank on the high street. Halifax colleagues go the extra mile to make things easier for customers, removing barriers and complexity from their everyday lives whether in a branch, o...

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Mortgages Online

Mortgages Online

10 Alexandra St , Southend-On-Sea , SS1 1BU 0330 058 6058

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First4mortgages

First4mortgages

1st floor Clarence Chambers, 28, Clarence St , Southend-On-Sea , SS1 1BD 01702 340500

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Lloyds Bank

Lloyds Bank

77 High St , Southend-On-Sea , SS1 1HT 0345 602 1997

Lloyds Bank is proud to serve the people, businesses and communities of Britain. Lloyds Bank is one of the UK’s leading retail and commercial banks, with high-street branches, award-winning online, ...

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New Leaf Distribution Ltd

New Leaf Distribution Ltd

Princess Caroline House, 1 High St , Southend-On-Sea , SS1 1JE 01702 431130

At New Leaf, we offer a Complete Market Financial Advice service. Our advisers perceive that being out there between 9 and 5 will not be at all times sensible so they may go to you, if required, ou...

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Protections Advice

Protections Advice

10 Alexandra St , Southend-On-Sea , SS1 1BU 01702 423900

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Bysouth Commercial Finance Brokers Ltd

Bysouth Commercial Finance Brokers Ltd

457 Southchurch Rd , Southend-On-Sea , SS1 2PH 01702 668655

Your “one-stop store” facility, that gives a totally managed {and professional} service to safe probably the most aggressive funding accessible. We all know and have entry to, 275+ lenders which m...

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Fig Tree Finance

Fig Tree Finance

113 Woodgrange Drive , Southend-On-Sea , SS1 2SE 01702 467039

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Michelle Druce

Michelle Druce

4a Lonsdale Rd , Southend-On-Sea , SS2 4LZ 01702 308924

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L & P Mortgages & Financial Services Ltd

L & P Mortgages & Financial Services Ltd

Viscount House, Southend Airport , Southend-On-Sea , SS2 6YF 01702 531782

L & P Mortgage and Financial Services are a London and Essex based independent mortgage advisory service. We offer a huge range of services through our dedicated advisors, with over 60 years combi...

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In case you are on the lookout for mortgage brokers in Southend-on-Sea, then you’re in a suitable place. We’re an internet listing of mortgage brokers in the UK brokers who will help you with the whole strategy of credit score and mortgage.

All of the mortgage brokers in Southend-on-Sea accessible on our listing are totally licensed and controlled by the financial conduct authority. They’ll provide full mortgage in Southend-on-Sea options together with a mortgage in Southend-on-Sea recommendation, safety recommendation, and all different mortgage-related financial providers. You possibly can filter your search as per your occupation too. It doesn’t matter if you’re self-employed, employed or enterprise proprietor, you possibly can seek for a dealer with the wanted experience.

Getting a mortgage in Southend-on-Sea is among the riskiest financial selections of your life if not executed with prudence. It entails big dangers added with advanced phrases and situations. Therefore, you will need to get it finished with a suitable method. For a primary time buyer, it’s much more difficult.

The next information will enable you to confirm in the event you ought to get a mortgage in Southend-on-Sea advisor when to hunt recommendation, the place to get free mortgage in Southend-on-Sea recommendation, how your financial institution would possibly be capable to assist, and which comparability web sites you possibly can test.

How to decide on a suitable mortgage in Southend-on-Sea?

Mortgage in Southend-on-Sea recommendation: Yes or no?

Dangers of not getting mortgage in Southend-on-Sea recommendation.
Communicate to your financial institution and other people you realize
When to method a mortgage in Southend-on-Sea adviser
Flick through totally different web sites
Components to be thought-about earlier than selecting a mortgage in Southend-on-Sea

How to decide on a suitable mortgage in Southend-on-Sea?

The mortgage in Southend-on-Sea market is extremely aggressive and fluctuating at a similar time. With so many various products and choices accessible from varied suppliers, it will get fairly troublesome to decide whereas deciding on the best choice for you. In case you are amongst first-time consumers, all the pieces are bound to go over your head.

Nevertheless, there isn’t a have to panic. One of the best and first is to method your financial institution in addition to a couple of unbiased mortgage in Southend-on-Sea advisors, to see what they’ve to supply. These preliminary discussions will give a thought of what the market is at present providing, the way it all works, and that are the choices that would serve your finest. They may also enable you to be taught in regards to the totally different mortgage in Southend-on-Sea and safety options.

Given under is information that can navigate you thru all of the steps that can assist you to examine your choices fastidiously earlier than making the ultimate choice.

Mortgage in Southend-on-Sea recommendation: Yes or no?

It’s all the time a good suggestion to get in contact with an advisor.

The Financial Conduct Authority of UK mandates each Lender (banks and financial establishments) and mortgage dealer in Southend-on-Sea to supply recommendation earlier than recommending any mortgage for you.

Earlier than giving out any options, they may assess the extent of a mortgage in Southend-on-Sea repayments you can afford by analyzing your complete revenue, debt consolidation, and day-to-day spending. They’ll do the required calculation and adjustment to find out the quantity of mortgage in Southend-on-Sea credit score that fits your wants and financial capabilities to have the ability to sustain repayments on time.

Is it obligatory to go together with your dealer’s recommendation?

It’s not obligatory to decide on what your lender or dealer suggests to you. You possibly can choose your deal as per your unbiased analysis and examine too. Taking a recommendation will certainly enable you to acquire clear insights into all of the elements of the phrases and situations of the credit score. It can give you the requisite solutions you’re looking for to pick the most effective mortgage in Southend-on-Sea for you.

Once you select your individual mortgage in Southend-on-Sea without looking for any sort of financial recommendation it’s termed as an “execution-only” utility.

Dangers of not getting mortgage in Southend-on-Sea recommendation

It’s an act of prudence to do your homework earlier than availing of any financial providers out of your mortgage dealer in Southend-on-Sea. So, collect your financial data earlier than you discuss with lenders or brokers. the checklist of particulars that must be ascertained is given as below:

In case you are employed, then have your P60 types (final 2 years) and final three payslips prepared with you.
For self-employed folks, have your tax returns duly licensed by an accountant or skilled adviser
Supply of revenue: Keep in mind your revenue from all sources together with common, irregular, investments, and speculative revenue.

Proof of each day bills
Proof of money owed
You future affordability: This checks how you’ll be capable to afford if there is a rise within the rate of interest sooner or later
If you happen to avail of a mortgage on the recommendation of your mortgage dealer in Southend-on-Sea, which seems to be unsuitable for you afterward, then you definately’ll have extra rights while you make a grievance. You’ll get pleasure from the suitable to make a grievance of financial mis-selling if the recommendation you got turned out to be unsuitable for you.

Nevertheless, if you don’t take any recommendation out of your mortgage in Southend-on-Sea advisor and go for it based mostly on your unbiased analysis, you must take full accountability on your mortgage in Southend-on-Sea choice if the identical seems to be unsuitable sooner or later.

Penalties of nontaking mortgage in Southend-on-Sea recommendation:

If you find yourself with a flawed mortgage, you gained’t get pleasure from any proper to make a grievance of mis-spelling. your mortgage will flip into poor credit and it’ll show to be a financial catastrophe for you.
You are likely to be rejected by your lender for choosing a mortgage in Southend-on-Sea, which isn’t appropriate as per your financial capabilities.
Therefore, taking a choice after availing recommendation out of your mortgage in Southend-on-Sea advisors is your best option particularly for a first-time purchaser if you wish to keep away from poor credit afterward.

Communicate to your financial institution and other people you realize

Chatting with your banks is all the time an excellent place to begin as a result of they know your financial state of affairs inside out. They’ll all the time advise you with the most effective industrial mortgages to go for relying on your wants. They don’t cost any payment for his or her recommendation because it is part of their customer support.

You too can discuss to their pal and colleagues to study their mortgages. They will transient you on the phrases and situations. You possibly can see how their merchandise stack up towards the competitors earlier than making the ultimate alternative.

When to method a mortgage in Southend-on-Sea adviser?

A mortgage dealer in Southend-on-Sea or an advisor is a specialist in mortgages and possesses in-depth information on the market. They have the experience and expertise to check a variety of mortgages in Southend-on-Sea merchandise earlier than suggesting the best choice.

It’s a good suggestion to talk to a couple of them to know in regards to the gives prevailing out there.

There are three major varieties of a mortgage in Southend-on-Sea advisors out there:

Advisors tied to a selected lender: They might give you a mortgage in Southend-on-Sea recommendation and offers from a selected lender solely. they won’t have a look at a variety of choices for you. They often present free mortgage in Southend-on-Sea recommendation.

Tied to a restricted checklist of lenders: As in comparison with a selected one, they’d give you financial options from a set of few lenders.

Not particular to any lender: They might have a look at varied merchandise from the entire market and give you a variety of choices based mostly on your particular person wants.
Benefits of utilizing an advisor:

They’ll advise you based mostly on your financial functionality to make repayments in your mortgage in Southend-on-Sea, thus guaranteeing revenue safety.

They will give you enticing offers and gives, that is in any other case not accessible in the event you seek a mortgage in Southend-on-Sea independently.

They’ll help you with the paperwork, enable you to perceive all of the phrases and situations correctly. Your functions get processed and authorized quicker.

They’ll enable you to take all the prices and options of the mortgage in Southend-on-Sea into consideration, past the rate of interest.
They need to solely advocate a mortgage in Southend-on-Sea that’s appropriate for you and can inform you which of them you’re prone to get

You’ll get pleasure from safety sooner or later if the mortgage in Southend-on-Sea proves unsuitable to you.
Discovering a mortgage in Southend-on-Sea advisor

Following are among the prime web sites for locating particulars about mortgage in Southend-on-Sea advisors in Southend-on-Sea and different elements of the UK

Cherryfind.co.uk
bmadvisers.co.uk
landc.co.uk
Unbiased.co.uk
VouchedFor.co.uk
capitalfortune.com

Charges and costs

The charges and costs of a Mortgage in Southend-on-Sea advisor will depend upon the kind of financial options and providers you avail of. It additionally relies on the kind of product you select and the worth of the mortgage in Southend-on-Sea.

Some lender particular advisors could present free advisory providers as a result of they obtain a fee from their lenders on authorized offers.

They’ll inform you the quantity of payment they may cost and there gained’t be in any hidden value.

As soon as your dealer makes product advice they need to offer you a mortgage in Southend-on-Sea illustration doc(s). This doc outlines the phrases and situations of the mortgage in Southend-on-Sea together with the small print of the mortgage. Because it accommodates all the important thing info on the mortgage in Southend-on-Sea, it’s often referred to as a key info illustration.

European Normal Info Sheet

The European Normal Info Sheet supplies s normal format of pre-contractual data that must be supplied by a lender whereas issuing a mortgage in Southend-on-Sea. The Mortgages Conduct of Business (MCOB) guidelines of FCA mandates each lender to present this doc to their clients.

Components to be thought-about earlier than selecting a mortgage in Southend-on-Sea:

What most individuals search for whereas going for a mortgage in Southend-on-Sea is a low-interest price. Nevertheless, there are a lot of different necessary elements that must be thought-about earlier than making an alternative.

A few of the necessary elements are listed below:

APRC: (Annual Percentage Rate of Charge): APRC is calculated by expressing the quantity of mortgage in Southend-on-Sea charges and rate of interest as a proportion.
Deposit dimension: Typically decrease rates of interest can be found with larger deposit quantities.
The usual price: It’s the price your mortgage in Southend-on-Sea will change to as soon as the fixed-rate deal ends.
Length of curiosity?: Whether or not curiosity will likely be charged each day, month-to-month, or yearly? Every day curiosity usually works out cheaper.
Flexibility of repayments: Are you able to overpay your mortgage in Southend-on-Sea earlier than time without being charged? Can you be taking a break from making funds if at any time you’re amidst a financial disaster?