Bad Credit Mortgage Broker In Colchester, Essex

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Colchester Mortgage Broker

A Little Mortgage Advice are your local Colchester bad credit Mortgage broker specialising in a wide range of mortgage options including first time buyers, bad credit mortgages, remortgaging, remortgaging with bad credit and more.

Are you looking for a local mortgage broker in Colchester?
Stop searching and get in touch because this is what we specialise in!

We know our stuff and it wont cost you a penny if we cant help you.

Same day decision in principle available for urgent cases.

Our specialist mortgage advisors can help.

01268 387898

Our Great Customer Reviews

 
 
 
  Excellent  
    
 Based on 51 reviews 
 
 
  
 
 
 
 
 
 
 
 
  
 
 
 
  
 
 
 Angie Murphy 
 
26/08/2023
 
 
  
Angela has been absolutely fantastic in sorting a new fixed rate for my mortgage.  Her advice and expertise has been so reassuring during the whole process to enable me to get the best deal possible. Angela is such a kind lovely lady who explained things clearly to me and took care of everything in the application process. Can't thank this company enough and have recommended to others.
  
 
  
 
 
 
  
 
 
 J Pearson 
 
17/08/2023
 
 
  
Simply the BEST.. my partner and I had struggled to find a mortgage broker who understood our situation with a bad credit many years ago, Angela was an angel sent from above!!! Not only did she factfind our situation but put us in touch with a lender and handled everything from the moment we spoke to her, to the moment we received our mortgage offer!!! Thanks to her professionalism and dedication, we now have a home we can call our own! Couldn’t recommend her enough!!! Thank you 🙏
  
 
  
 
 
 
  
 
 
 Alec Bailey 
 
14/08/2023
 
 
  
Angela has been fantastic throughout the entire process in getting us a mortgage. Angela has a brilliant ability in getting the job done whilst understanding the customer and having the appropriate banter with them. We were kept informed at every step of the way and received genuine delight from Angela and Nicole when our mortgage offer was accepted. Nicole was also superb and was always on hand to answer our queries efficiently and effectively, going away and finding the answers where they couldn't be provided immediately. Even when a minor mistake was made, I received a call to apologise - we all make mistakes but acknowledging them is to be commended. I cannot rate them high enough, nothing was ever too much trouble and they always had time, regardless of it being sometimes after hours or the weekend. They worked extremely hard to get the best deal for us and I cannot thank them enough. Please keep up the good work.
  
 
  
 
 
 
  
 
 
 Kate Paterson 
 
05/07/2023
 
 
  
I am thrilled to share my overwhelmingly positive experience with Angela Little who has been an absolute lifesaver throughout my complicated journey. Angela’s unwavering dedication, expertise, and exceptional customer service have truly made a significant impact on our life. I cannot thank her and the team enough!

From the moment I first reached out to Angela, I was met with a genuine sense of empathy and understanding. She immediately recognised the complexity of my credit issues and assured me that she was up for the challenge. Angela’s positive demeanour and unwavering belief in finding a solution instilled a sense of confidence in me that had been absent throughout my mortgage search.

Angela possess an impressive knowledge of the intricacies of the mortgage industry, including the ever-changing regulations and requirements. Despite the hurdles I faced, Angela remained focused and determined to find a solution tailored to my circumstances.

Throughout the process, communication was nothing short of exceptional. Angela consistently kept me informed, promptly responding to any queries or concerns I had. Her transparency and willingness to explain complex concepts in a simple, understandable manner were greatly appreciated. Angela’s patience and dedication was evident, ensuring that I felt valued and supported every step of the way.

The expertise exhibited by Angela extended beyond just securing a mortgage; they actively sought out the best possible options for me. She tirelessly explored various lenders, negotiating on my behalf to obtain the most favourable terms and rates. This level of commitment demonstrated the genuine desire to secure my financial well-being, even in the face of challenging credit issues.

Angela’s dedication to helping me navigate my complicated credit situation not only secured our mortgage,  but also provided me with a renewed sense of hope for my financial future.

I wholeheartedly recommend Angela to anyone facing credit challenges or seeking mortgage assistance. Her professionalism, compassion, and unwavering commitment to their clients make them an invaluable partner in the pursuit of homeownership.

Thank you, Angela, for turning my complicated credit issues into a success story I will forever be grateful for!

You are a star!! ⭐️
  
 
  
 
 
 
  
 
 
 Louise Tyler 
 
05/05/2023
 
 
  
We were recommended to use Angela to get our mortgage as first time buyers and have not been disappointed! Angela is AMAZING! Helped us from start to finish, explained everything to us and truly cares about her customers. Would NEVER go anywhere else. Thank you Angela!
  
 
  
 
 
 
  
 
 
 Laura Perkins 
 
03/05/2023
 
 
  
After dealing with other financial advisors in the past, I can honestly say that Angela offers a more comprehensive service, and guided us through each step of the journey towards securing our forever home. She was always on hand to explain the small print and answer our many questions…..and through it all, keeping our best interests at heart. Thank you so much Angela, you are amazing!
  
 
  
 
 
 
  
 
 
 Darren Gardner 
 
22/04/2023
 
 
  
We recently worked with Angela to secure our mortgage, and I couldn't be happier with the experience she honestly went above and beyond From start to finish. Always answered my email at anytime of the day with a professional and friendly manor, Angela was always so knowledgeable with  our best interests at heart. She took the time to understand our situation and provided us with personalized advice and guidance throughout the entire process. Angela was always available to answer our questions and address any concerns she made the entire process smooth and stress-free. I would highly recommend Angela to anyone in need of a mortgage. Thank you Angela for all your hard work and dedication you truly are so professional and a true asset to your profession. We will be back when we are ready for our next mortgage.
  
 
  
 
 
 
  
 
 
 Danielle Heath 
 
19/04/2023
 
 
  
I had the pleasure of working with Angela, and I can't recommend her enough. Angela is incredibly helpful, knowledgeable, and patient. She takes the time to understand your needs and find the best solution.

What really stands out for me is Angela's willingness to listen and go the extra mile. Always available to answer questions and address concerns. Angela truly has your best interests in mind and works tirelessly to ensure the best outcome.

Thank you Angela for your expertise, dedication and guidance, you exceeded all expectations. I highly recommend working with Angela. She's a true professional who is committed to helping her clients find the best solution possible.
  
 
  
 
 
 
  
 
 
 

Why Choose A Little Mortgage Advice?

Specialist Advisor

We are a specialist independent mortgage advisor. This means that we work with all lenders and search the whole market to find you the correct mortgage product.

Personalised Service

As a small independent company you will be speaking directly to a mortgage advisor. We dedicate the same time to every client.

5 Star Reviews

Every client and phone call is important to us. We pride ourselves on offering a 5 star service every-time.

No Obligation Quote

We offer a free no obligation quote and great advice throughout.

Mortgage Broker in Colchester 

If you’re in the market for a new home or looking to refinance your existing mortgage, finding a mortgage broker you can trust is essential. That’s where a reputable mortgage broker in Colchester comes in. With their expertise in the local housing market and connections to a wide range of lenders, a mortgage broker can help you secure the best possible deal on your mortgage. Whether you’re a first-time buyer or a seasoned homeowner, navigating the complex world of mortgages can be overwhelming. That’s why it’s essential to work with a professional who can guide you through the process, answer your questions, and provide personalized solutions tailored to your unique needs and financial situation. In this article, we’ll explore the benefits of working with a mortgage broker in Colchester and why they’re an essential ally for anyone looking to secure the best possible mortgage deal. So, let’s dive in and discover what a mortgage broker can do for you!

Benefits of using a Mortgage Broker

When you’re looking for a mortgage, you have two main options: working directly with a lender or using a mortgage broker. While both options have their advantages and disadvantages, there are several significant benefits to using a mortgage broker. One of the most important benefits is that a mortgage broker has access to a wide range of lenders and mortgage products. This means they can help you find the best possible deal based on your unique financial situation and needs. 

Another significant benefit of using a mortgage broker is that they can save you time and money. Instead of spending hours researching different lenders and mortgage products, a mortgage broker can do the legwork for you. They can help you navigate the complex world of mortgages and provide expert advice on the best options for your specific financial situation. 

Finally, working with a mortgage broker gives you peace of mind. They can help you understand the mortgage process, answer your questions, and provide personalized solutions tailored to your unique needs. They can also provide ongoing support and advice throughout the entire mortgage process, from pre-approval to completion. 

Why choose a Mortgage Broker in Colchester?

If you’re looking for a mortgage broker in Colchester, there are several reasons why you should consider working with a local professional. First, a local mortgage broker has a deep understanding of the local housing market. They can provide expert advice on the best neighbourhoods to buy a home in, as well as the most popular types of mortgages. 

Another advantage of working with a local mortgage broker is that they have direct access and are in regular contact with every mortgage lender across the United Kingdom, as well as a network of local support, Estate Agents and Solicitors. This means they can help you find the best possible deal on your mortgage, with competitive interest rates and favorable terms. 

Finally, working with a local mortgage broker means you can meet face-to-face with your broker. This can be particularly helpful if you have questions or concerns about the mortgage process. You can also benefit from their local knowledge and expertise, which can help you make more informed decisions about your mortgage. 

Qualities to look for in a Mortgage Broker

When you’re looking for a mortgage broker in Colchester, it’s essential to find a professional with the right qualifications and experience. Here are some qualities to look for in a mortgage broker:

1. Experience: Look for a mortgage broker with several years of experience in the industry. This can give you confidence that they have the knowledge and expertise to help you find the best possible mortgage deal. 

2. Reputation: Check online reviews and ask for references from previous clients. This can give you a sense of the broker’s reputation and customer service. 

3. Availability: Make sure the broker you choose is available to answer your questions and provide ongoing support throughout the mortgage process. 

4. Communication: Look for a broker who communicates clearly and effectively. They should be able to explain complex mortgage terms and concepts in a way that’s easy to understand. 

5. Trust: Finally, it’s essential to find a mortgage broker you can trust. Look for someone who puts your needs first and provides personalized solutions tailored to your unique financial situation. 

How a Mortgage Broker can help you find the best deal

If you’re looking for the best possible mortgage deal, a mortgage broker can help. They can help you compare different lenders and mortgage products, based on your unique financial situation and needs. 

One of the main ways a mortgage broker can help you find the best deal is by shopping around. They can connect you with multiple lenders and compare their rates and terms. This can help you find the best possible deal on your mortgage. 

Another way a mortgage broker can help is by identifying any potential roadblocks or issues that could affect your ability to secure a mortgage. For example, they can help you improve your credit score, provide advice on how to save for a down payment, and help you understand the mortgage process. 

What to expect when working with a Mortgage Broker

When you work with a mortgage broker, you can expect personalized service and expert advice throughout the mortgage process. Here’s what you can expect:

1. Initial consultation: The mortgage broker will meet with you to discuss your financial situation, goals, and needs. 

2. Decision in principle: The mortgage broker will help you get pre-approved for a mortgage, which can give you a better idea of how much you can afford to borrow. 

3. Sourcing your mortgage: The mortgage broker will shop around for the best possible deal on your mortgage, comparing rates and terms from multiple lenders. 

4. Application: Once you’ve chosen a lender, the mortgage broker will complete the mortgage application and gather the necessary documentation. 

5. Mortgage offer: the mortgage broker will liaise with the lender on your  behalf until you get your official binding mortgage offer.

6. Solicitors & Completion:  Your mortgage broker will not just disappear, they will continue to assist you the whole time until you get your new home keys.

7. Review:  A Little Mortgage Advice will call you 6 months before your mortgage is due for renewal to find you the best mortgage available for you at that time, this ensures you are always getting the best interest rate and terms for your circumstances.

Mortgage Broker fees and costs

When you work with a mortgage broker, you can expect to pay fees and costs associated with their services. These fees can vary depending on the broker and the services provided. 

Typically, mortgage brokers charge a commission based on a percentage of the loan amount. This commission is paid by the lender, not the borrower. 

It’s essential to discuss fees and costs with your mortgage broker upfront, so you understand what you’ll be paying for their services. 

Frequently asked questions about Mortgage Brokers in Colchester

1. What is a mortgage broker, and what do they do?

A mortgage broker is a professional who helps you find the best possible mortgage deal based on your unique financial situation and needs. They can connect you with multiple lenders, compare rates and terms, and provide expert advice throughout the mortgage process. 

2. How do I choose a mortgage broker in Colchester?

When choosing a mortgage broker in Colchester, look for someone with experience, a good reputation, and excellent communication skills. They should be available to answer your questions and provide personalized solutions tailored to your unique needs. 

3. How much do mortgage brokers in Colchester charge?

Mortgage broker fees can vary depending on the broker and the services provided. Typically, mortgage brokers charge a commission based on a percentage of the loan amount. 

Conclusion

If you’re in the market for a new home or looking to refinance your existing mortgage, working with a mortgage broker in Colchester can help you find the best possible deal. A mortgage broker can provide expert advice, access to multiple lenders, and personalized solutions tailored to your unique financial situation. When choosing a mortgage broker in Colchester, look for someone with experience, a good reputation, and excellent communication skills. With their help, you can navigate the complex world of mortgages with confidence and find the perfect home for you and your family.

Covering Colchester & Essex

Based in Essex we work with customers from across the local area.