Mortgage Broker in Essex: Why Do Clients Rate Us 5.0?
If you're looking for a mortgage broker or mortgage advisor in Essex, you're in the right place. We are an independent, award-winning broker based in Benfleet, covering the whole county of Essex and the wider UK. 5.0 from 185 Google reviews, and the first conversation costs nothing.
Whole-of-market lender access with step-by-step guidance from enquiry to completion.
Whole-of-market access
One adviser, start to finish
Five-star client reviews
No credit check to talk
Quick answer: How do you choose the best mortgage broker in Essex?
Check four things: the FCA register, published fees, real and recent reviews on a platform they do not control, and independent recognition. Ours: FCA firm reference 1006474, published fees, 5.0 from 185 Google reviews, and four Essex awards, including Best First-Time Buyer Mortgage Advisors 2026.
Why speak to A Little Mortgage Advice about your mortgage?
Because the lender decides your mortgage, and we work out which one will say yes before anyone applies. Angela Little founded A Little Mortgage Advice and has been CeMAP qualified since 2014.
- 5.0 from 185 Google reviews, and ten of those reviewers say another broker or lender had turned them down first.
- Fees published up front: £199 when your decision in principle is issued and £495 on mortgage offer for a standard case. The first conversation is free.
- One adviser from start to finish, and still there when you remortgage.
- FCA firm reference 1006474.
- Award-winning, with four awards for our work in Essex:
- Best First-Time Buyer Mortgage Advisors 2026, Essex (Southern Enterprise Awards, SME News)
- Financial Services Client Service Excellence Award 2026, Essex (Southern Enterprise Awards, SME News)
- Adverse Credit Mortgage Brokerage of the Year 2026, Essex (BFSI Insider)
- Best Independent Bad Credit Mortgage Broker 2024, Essex (UK Enterprise Awards, SME News)
Thank you Angela for making the process so much easier than I thought it would be, giving me more options than I thought I had and explaining it all to me, going above and beyond. If I’m ever asked to recommend a mortgage advisor it would be Angela and the team at A Little Mortgage Advice
What type of mortgage are we best at?
Angela deals with the whole market, from the high street to specialist lenders most people have never heard of.
Award-Winning Mortgage Advice Across Essex & The UK
At A Little Mortgage Advice, we are proud to provide award-winning mortgage guidance across Essex and the UK. Based in Benfleet, we believe that mortgage advice should be clear, straightforward and tailored to your individual circumstances.
Adverse credit is the work we are asked for most, so it has a page of its own: adverse credit mortgage broker in Essex, covering CCJs, defaults, arrears and what to do after a decline.
Our mortgage lenders include - whole of market, high street to specialist
High-street names sit alongside specialist lenders like Precise, Bluestone and United Trust Bank - the ones that will look at a credit file properly instead of running it through a computer. Being whole-of-market means Angela can go wherever the answer is.
View more lendersHow does it work?
Three steps, one adviser, no pressure at any point.
Start your journey
Fill in the short questionnaire or call, 9am to 9pm, seven days a week. Angela reads your file and starts with a soft search, which leaves no mark. One first-time buyer had a mortgage in principle "within 24 hours of speaking with her" (Dani Martin, Google review, March 2024).
Ready to apply
Once the right product is found and you're happy, the paperwork is handled for you - and you'll never be left wondering what's happening.
Completion
Keys, rate, done. Time to relax - and when it's time to remortgage, you'll be talking to the same person who got you here.
Little by name.
Big on advice.
A Little Mortgage Advice was started by Angela Little to make mortgage advice simple - hence the name. Before going out on her own, Angela spent her career at the UK's two largest specialist mortgage brokerages, ranked among the top brokers at both.
That's the business she built: one adviser who knows your name, your file, and your plan - from the first phone call to the day you own the place outright.
"Making the dream happen is the best part of this job."- Angela Little, Founder & Senior Mortgage Adviser
Our great customer reviews.
Couldn’t recommend Angela enough! It felt like I was in an impossible situation with remortgaging but Angela went above and beyond to work miracles! Thank you!x
Jessica Rimington-Cross - Google review, June 2023
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No question was ever treated as a silly one…
James Jowett · Google
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…she gave me a clear plan to improve my credit score…
Aura Hair & Beauty · Google
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Mortgage application was submitted the same day we enquired…
Emma Bartlett · Google
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Very professional, understanding, knowledgeable and straight talking.
G Mac · Google
Does working with a mortgage broker increase your chances of approval?
Usually, yes, and for a duller reason than most brokers give. Every lender has its own criteria, and a lot of those criteria are not published. Applying to the wrong one does not just waste a fortnight: it leaves a hard search on your credit file, and a run of hard searches makes the next lender more cautious.
What we do before anything is submitted is read your file, work out which lenders will say yes to it, and go to one of those. On an awkward case that is the difference between a yes and a run of declines you then have to explain.
It is also why we will tell you when the honest answer is to wait a few months. You will be told what to fix first, and it costs nothing to find out.
What would your new mortgage cost each month?
Move the sliders for a rough monthly figure. It's a starting point for the conversation - not a quote, and not the number a lender will land on.
Roughly, per month
£1,520
Capital and interest, so the balance clears by the end of the term.
Capital Interest
- You'd borrow £247,500
- Loan to value 90%
- Total interest £208,460
- Paid over the term £455,960
Illustration only. This is a standard repayment or interest-only calculation, not a quote, an offer, or mortgage advice. On interest only, none of the capital is repaid - the full amount borrowed is still owed at the end of the term and you need a credible plan to repay it. It ignores fees, product changes and lender criteria - and what a lender will actually offer depends on your income, credit history and circumstances.
Where we work across Essex
We are a mortgage broker covering the whole of Essex, advising from one office in Benfleet. Most of the process happens by phone, email and video, so where you are matters far less than people expect. These are the distances, straight-line, from our desk to each town centre.
- Benfleetour office
- Thundersley1.3 mi
- Hadleigh2.1 mi
- Rayleigh2.3 mi
- Canvey Island3.5 mi
- Wickford3.5 mi
- Leigh-on-Sea3.9 mi
- Basildon4.5 mi
- Hockley4.6 mi
- Westcliff-on-Sea5.5 mi
- Rochford6.2 mi
- Southend-on-Sea6.7 mi
- Billericay7.5 mi
- Thorpe Bay8.7 mi
- Shoeburyness10.3 mi
- Maldon11.5 mi
- Brentwood11.8 mi
- Grays12.0 mi
- Chelmsford12.3 mi
- Upminster13.4 mi
- Hornchurch14.9 mi
- Rainham16.2 mi
- Romford16.4 mi
- Dagenham17.9 mi
- Ilford21.2 mi
Common questions about mortgages in Essex
Who is the best mortgage broker in Essex?
The best Essex mortgage broker for you is the one whose lenders, fees and experience fit your case, and you can check that before you call anyone: the FCA register, independent reviews and published fees. We are 5.0 from 185 Google reviews, and won Best First-Time Buyer Mortgage Advisors 2026, Essex and Best Independent Bad Credit Mortgage Broker 2024, Essex.
How much does a mortgage broker in Essex cost?
Talking to us is free. A standard residential case costs £199 when your decision in principle is issued and £495 on mortgage offer, £694 in all. Complex cases, such as adverse credit or debt consolidation, cost up to £1,295 on offer, and you get the figure before anything is submitted. Lenders also pay us a fee, shown on your illustration.
Are you independent and regulated by the FCA?
Yes. A Little Mortgage Advice is a trading style of A Little Advice Limited, an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Our FCA firm reference is 1006474, and you can check it on the FCA register. Angela has been CeMAP qualified since 2014.
Do you cover all of Essex, and do I need to live there?
We cover all of Essex from our office in Benfleet, and east London too. You do not need to live in Essex: the whole mortgage process runs by phone, email and video, and we advise clients across the UK. If you would rather meet, our office has just been refurbished and you are welcome to visit.
How long does it take to get a mortgage?
A mortgage in principle can come within a day of the first conversation, and a full application often reaches an offer in two to four weeks. The lender and the valuation set the pace. One client, after a stressful time with another broker, "received our official offer in just 6 days".
Can you help if I have bad credit or I'm self-employed?
Yes. A credit history with a CCJ, a default or missed payments is the work we are best known for: ten of our Google reviewers came to us after being turned down elsewhere. Self-employed buyers need a lender that reads their income properly, and most high-street lenders want two years of accounts, though some will work from one.
Ready for a straight answer?
Tell Angela where you're at - good credit, bad credit, or somewhere in between. You'll get honesty either way.
Lines are open 9am to 9pm, seven days a week, and the first conversation is free.
or emailinfo@alittleadvice.co.uk