Mortgage Brokers & Advice Southend

It’s hard to find mortgage brokers in Southend that puts your needs first before anything else. Harding Mortgage Broker Southend is a company that cares. By carefully assessing your needs, preferences, and financial circumstance, we match you to the right lender in no time.

We have a wide range of mortgage products available and our experienced advisers will guide you through the process from start to finish. We'll also give you access to exclusive deals not available on the high street.

Intro

Some of our lending partners

Get Started

3 Easy Steps

Enquire

Enquire online or call Harding Mortgages to receive a free consultation while we search for the best mortgage deal available to you.

Apply

We guide you through the entire process, helping with documents, support & advice- keeping you updated regularly until the application is complete.

Complete

Your application will complete when your mortgage is approved and then you can collect the keys to your new home!

The Southend Mortgage Advice You Need

Mortgages can be complicated. Lots of people waste time applying for mortgages that don’t fit their financial circumstances. At Harding Mortgages, we match you to a lender's criteria so you don’t have to spend so much time on lenders who won’t even greet you by the door.

We work for you. Our bespoke Southend mortgage broker services analyse the market so we can give you the best options to choose from. We offer independent mortgage advice in Southend, without the influence of any bank or lender. We have your best interest at heart.

We Specialise in the First Time Buyer Mortgages

Are you a first time home buyer?

We know how important it is to get the best mortgage possible. We have a wide range of products available, and we can help you find the right one for your needs.

We have a variety of mortgages that are perfect for first-time buyers. Our mortgage brokers can help you find the right one for your needs, and we will work with you to make sure that you get the best possible interest rate. We also offer a wide range of products, so you can find the perfect mortgage for your needs.

We want to make the process as easy as possible for you, and we will work with you every step of the way. We know how important it is to get your first mortgage right, and we will do everything we can to help you. Contact us today to learn more about our mortgages for first-time buyers.

Do you know why customers love to refer us to their friends and families? It’s because of our quality mortgage broker advice & service! We always have your best interest at heart. So, what are you waiting for? Get in touch with Harding Mortgages Southend now to get the best first-time buyer mortgages deals.

Southend Buy to Let Mortgage Brokers

Do you know that buy to let is a lucrative business in Southend? Thousands of investors are enjoying the benefits of letting their Southend properties to families and businesses. The buy to let sector have fewer specialist lenders. The lending criteria is also different from Southend residential mortgages. With buy to let, you need as much as 15-30% deposit to get started.

Buy to let mortgages in Southend offer lucrative tax breaks that you can’t shy away on.

So, do you want to save time and money looking for the best buy to let mortgage deals in Southend? Get in touch with us!

Remortgage Advice in Southend

Do you want to remortgage your property? You don’t have to stick with your current bank. Harding Mortgages Southend will search the market for the best remortgage deals available. Trust us, there’s more in the market than what your bank offers!

To help you get the most of your remortgage deals, we advise which type — fixed rate or tracker, discount loans, etc. — best suits your goals and financial circumstance.

Our mantra in Harding Mortgages Southend is customers first. Rest assured, we will be working day and night to bring you the best mortgage deals Southend has to offer. Connect with our brokers today!

Why Harding Mortgage broker Southend

We provide a wide range of mortgage solutions and our knowledgeable advisors will walk you through the process from beginning to end. We'll also provide you with access to special offers that aren't available anywhere else.

We want to make the process as easy as possible for you, and we will work with you every step of the way. We know how important it is to get your mortgage right, and we will do everything we can to help you. Contact us today to learn more about our mortgages

Don't hesitate to get in touch if you have any questions or would like more information on our services. We look forward to hearing from you soon.

Free Consultation
Our initial consultation is free of charge and without obligation.
Whole of Market
Access to the whole market, meaning we will find the best deal for you
Independant
Comparison Sites do not check lending criteria or individual circumstances. We research & recommend for you!
Dedicated Support
You will always have access to your advisor and dedicated support team (not a call centre!)

Get Started

FAQ's

How does the mortgage process work?

We will need to perform a Fact Find as your Southend mortgage broker in order to figure out what your requirements are before recommending the best mortgage for you and your circumstances. For an Agreement in Principle, a credit check will be needed. You may receive a formal mortgage offer once you have provided all necessary documents and a property's worth has been evaluated.

How much deposit do I need?

The usual deposit required by a high street lender to acquire a property is approximately 5%. This might be higher if you have had credit problems in the past.

What documents do I need to send?

If you are an employee, to show your earnings, you must submit three payslips, but for a self-employed person, it's necessary to have the most recent two years' accounts. You'll also need to provide evidence of your identity, residence, and the most recent three months' bank statements.

When should I get an agreement in principle?

We recommend obtaining an Agreement in Principle before going on location to a property so that you don't have to worry about having an offer rejected. We recommend getting one as soon as possible because it will benefit your bargaining position.

How long does an agreement in principle last?

Depending on the lender you select, your Agreement in Principle might last anything from 30 to 90 days. If it runs out of time, your mortgage broker in Southend can simply renew it.

How long does the process take?

Our Southend Mortgage Advisers will spend around an hour with you during a free mortgage consultation. Our team can usually produce an Agreement in Principle within 24 hours of your meeting and obtain a formal mortgage offer within three weeks.

Don't just take our word for it

“I could not recommend Fergus enough. He showed great knowledge of the market and his customer service from the start of the sales process to the finish was brilliant.”

Clive
Rayleigh, Essex

“Harding’s proved excellent value of money and I would definitely recommend them to friends and family in the future.”

Colin
Prittlewell, Essex