Are You Looking For A Mortgage In Huddersfield?
January 1, 2022
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Mortgage Broker In Colchester
03337720330
info@woodhallmortgages.co.uk
We are an independent mortgage broker in Colchester that looks over the whole of the home mortgage market to bring you the best mortgage as well as insurance coverage products to fit your individual needs. Our skilled experts are right here to help you move right into your desire home. Friendly, fast as well as problem-free, our solution is readily available to all. We browse the “whole of the market”, implying we won’t quit looking till we locate the mortgage to suit your scenario.
There are many things to take into consideration when discovering the right economic product, which is why we prefer to meet face to face to place you at ease as well as answer all your questions. That is why you need a local home mortgage broker in Colchester. We’re not simply ‘entire market suppliers’– we’re full-service carriers; we will be there for you every step of the means till completion and past.
We Are A Mortgage Broker In Colchester - We Cover Colchester, Essex And The Surrounding Area.
You might be tempted to go to your own bank as the first port of call, but banks have a vested interest in offering only their own products. For the best possible chance of finding a great deal, it’s been shown time and again that independent advice is the way forward. Woodhall Mortgages are always available for a no-obligation, informal chat to get the ball rolling. We will assign you your own dedicated advisor from start to finish, to be ready at all times to take your calls, answer your questions, and guide you on your journey to home ownership. We pride ourselves on making life easier for you and helping you understand how to navigate what can be a complex, jargon-filled industry. This is the advantage of seeing a local mortgage broker in Colchester.
Woodhall Mortgages –
Mortgage Broker Colchester
Call us: 0333 772 0330
info@woodhallmortgages.co.uk
Woodhall Mortgages prides itself in delivering honest and straightforward services and advice to prospective home-owners. We are an independent mortgage broker in Colchester specializing in residential mortgages, buy-to-let mortgages & remortgages covering Colchester and Essex. Our mortgage specialists search the market for the most competitive interest rates, while also offering our clients a variety of financial solutions. Our goal is to make opening a mortgage account at any stage of life easy, efficient, transparent, and hassle-free.
As your local Mortgage Broker in Colchester, we take the time to get to know you and your personal circumstances so that we can provide you with sound financial solutions for your mortgage, life cover, and anything else financial in between. Being a small but experienced team of mortgage advisors means two things – you will always know who you are talking to, and we can really get to know you.
This includes finding out the current worth of your existing house and just how much you can obtain. Your credit history, incomings and also outgoings play an important role in computing cost. As a mortgage broker in Colchester we can help you work out you affordability.
Where do you wish to move to? How many bedrooms would you like? Do you want a yard, a garage, accessibility to a local school? Once you have actually discovered your best house it’s time to make a deal.
Tell us when you have actually made an offer and we’ll find you the most appropriate deal we can. You’ll require to designate a solicitor to look after the sale of your present home in addition to the acquisition of your new one. We will certainly require his or her details to proceed.
A survey is usually carried out by the lender for peace of mind. This is usually paid for up front by the borrower. If the results are satisfactory to all then a Contract for Sale can proceed. It agrees a price and completion date.
Don’t neglect that selling your existing home might take a while. Are you planning to move after you sell? You might need to rent before moving into your new residential or commercial property or take out a Bridging Loan.
Prior to completion, your solicitor must formally request the finance funds from your lender. When this is attained it is just a matter of grabbing your new keys and moving into your new home!
Just before completion, your solicitor needs to formally ask for the funding funds from your lender. Once this is attained it’s a matter of picking up your brand-new secrets and relocating to your new residence!
We are an independent ‘whole of market’ mortgage broker in Colchester. This means we have access to the majority of mortgages on the market which includes all high street lenders such as Barclays, Santander, NatWest, and Halifax etc. We will assign you your own mortgage advisor that will take time to get to know you and your situation; this is vital in helping us provide information about the right mortgage solutions for you. Our mortgage advice aim is to look at the “overall value” of the best mortgages including the mortgage rate and the offers/deals that come with the rate. Contact Mortgage broker in Colchester to help secure your mortgage
First Time Buyer Mortgages in Colchester
As a first time buyer, buying your first home can be a daunting experience. Woodhall Mortgages is a mortgage broker in Colchester that holds a wealth of knowledge and experience to help you buy the perfect first home for you. Our mortgage brokers host a team of mortgage advisors that provides highly rated mortgage advice. The mortgage advisors are expert mortgage advisors in Colchester, Essex and the rest of UK. We provide you with extremely helpful guidance helping you find mortgage solutions that suit your needs. We even work closely with a panel of solicitors that we will recommend to you. We are here to provide you with advice, and we’ll be with you every step of the mortgage process through the property purchase.
Our professional mortgage advisors are made up of a large team ready and available to support you. The tailored mortgage advice we provide means you will have your very own personal mortgage advisor to ‘hold your hand’. They will provide you with extremely helpful guidance and aim to answer any questions you may have to guide you through the whole mortgage process.
Once you have had an offer accepted on your new home, one of our professional mortgage advisors will complete your mortgage application for you. After the application is submitted the mortgage advisor will keep you and your solicitor updated every step of the way, taking all the stress and worry off you!
So that your application is processed quickly and efficiently, we will regularly chase the mortgage lender for updates as well as keep on top of estate agents and solicitors to guide your property purchase to complete smoothly and as quickly as possible.
We will also arrange the necessary insurances to ensure that you are adequately protected. These would include life cover/life insurance & home insurance. Once these are up and running you will be ready to exchange contracts which is the day it’s all official, you will soon be a homeowner!
Our work for you doesn’t stop there – once your mortgage deal comes to an end, we will contact you to arrange a financial review. This is where we find you another mortgage deal (remortgage) and check all related insurance policies to make sure you still have the most competitive policy.
Give the office a call for the most up to date information on deposits, gifted deposits, mortgages deals for first-time buyers and interest rates.
We offer amazing mortgage customer support service – look at our many 5-star reviews from our Colchester mortgages clients. Contact us about your first home: Speak to our mortgage advisors in Colchester at 0333 772 0330.
Mortgage Advice : Moving Home in Colchester
No matter how many times you have moved in the past, buying and selling your house is well known to be one of the most stressful experiences in life…unless you use Woodhall Mortgages to help you that is 😉
We take care of every aspect of getting the best professional mortgage advice service for moving home in Colchester and surrounding areas. Once we have an idea of how much your home is worth we will go through all of the financial figures with you. This will be to confirm that you have accounted for moving costs, solicitor’s fees and everything in between. After our mortgage advice, we will complete and submit your mortgage, recommend a proactive and reliable solicitor, liaise with estate agents and generally ensure your house move goes through with the minimal amount of fuss and hassle possible.
We will keep you and your solicitor updated and informed on your mortgage solutions on each step of your mortgage progress. We understand how frustrating and time consuming it is chasing all the relevant parties, so we take this stress and worry off your shoulders so all you need to do is start packing!
Yes, we provide independent mortgage advice in Colchester, Essex and across the UK but that is just the tip of the iceberg that is our very helpful range of property based services.
Woodhall Mortgages helps the people of Colchester, Essex and the rest of the UK with their mortgage. We are a mortgage broker Colchester, Essex but we also cover the entire UK with our online services.
We offer amazing mortgage clients support service – look at many 5-star reviews from our Colchester mortgage clients. Contact us about moving home: Speak to our mortgage advisors in Colchester on 0333 772 0330
Remortgage in Colchester
There are usually two reasons to arrange a remortgage, to save money or to raise money (sometimes we can even arrange both!) If your current mortgage deal comes to an end shortly or within the next 6 months, then contact our mortgage advisors In Colchester to find out what your next mortgage could be. We will be on hand with our mortgage advice and mortgage calculator to search the whole mortgage market. We know how to find the right mortgage by looking at the best available mortgage options open to you and that best suit your situation. This is the same for all of our mortgage clients.
If you are worried about your mortgage payments increasing, would like to reduce the term of your mortgage, take advantage of the low-interest rates or just want the security of knowing that your mortgage payments will be for a fixed period of time, we can calm your fears and work out the best course of action for you.
Maybe you would like to raise some money to carry out home improvements or to repay some debt. Give us an idea of how much you need and we can tell you the maximum you could borrow and how your monthly mortgage payments would be affected.
If you are wondering if there’s a “mortgage broker near me in Colchester” that genuinely cares – look no further!
As with all of our mortgages, we take care of all the details for you with support from one of our amazing local professional mortgage advisors.
We do everything from being the perfect mortgage finders to submitting the mortgage application and even helping you complete the solicitor’s paperwork ready for completion. We keep in contact with you every step of the way, letting you know the progress of your remortgage. We will also review your current life cover/life assurance policies to ensure that they are up to date and adequate in line with your new mortgage.
Contact us about your remortgage: Speak to our mortgage advisors in Colchester on 0333 772 0330
Your home may be repossessed if you do not keep up repayments on your mortgage.
Buying a property or renting your old one out in Colchester?
Are you thinking of taking advantage of the low house prices and buying a property to let out?
Maybe you are thinking of buying a new property and renting out your old one?
Or maybe you are looking for quick, stress free mortgage support service to help finance and grow your buy to let property portfolio.
We have tons of experience with buy to let mortgages. You will be given a dedicated independent mortgage advisor from our fantastic team who will help and guide you with everything from mortgages, the rental income required by the mortgage lender to recommending a solicitor and arranging specialist landlords buildings insurance. Our mortgage brokers and property specialists know the recipe for a successful buy to let. We always strive to provide information to help guide you to save money and make your buy to let an overall profitable investment.
The Woodhall Mortgages team covering Colchester, Essex and surrounding areas will be on hand to offer help on the sorts of properties that attract the highest rental income.
All of our Buy To Let advice and services are accompanied by the Woodhall Mortgages attitude along with our friendly, honest, reliable financial advice to all property buyers. You can rely on Woodhall Mortgages, who have plenty of first-hand experience in advising landlords about letting properties in Colchester. So if your looking for a mortgage broker Colchester give us a call.
Your home may be repossessed if you do not keep up repayments on your mortgage.
As your Mortgage Broker in Colchester, we carry out a Fact Finder to establish your personal requirements before we suggest the most appropriate mortgage for your needs. A credit check is then needed for an Agreement in Concept. A formal home mortgage offer can be issued as soon as you have provided all the relevant documents and an appraisal of the home has been undertaken with the mortgage.
To avoid possible frustration, we recommend you acquire an agreement in Principle prior to you start viewing homes in Colchester and the surrounding areas. At the very least you must get one prior to making an offer which can assist your bargaining position when purchasing a home. So if your looking for a mortgage broker in Colchester we can help
Typically, a mortgage in principle is valid for up to 90 days. If it expires before you need it, you can quite easily reapply, but be careful not to request too many mortgages in principle, as too many credit searches could end up damaging your credit profile.
It may be possible to get a second mortgage on your home in Colchester for things like debt consolidation or home improvements/renovations. It may also be possible to take out a mortgage on a 2nd residential or commercial property if you’re wanting to use it for yourself, a relative, a vacation or a Buy to Let.
The minimum deposit when purchasing a house in Colchester with high street lenders is typically 5%. This can be higher if you have had previous credit problems.
It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for Self Employed. You will also need to produce proof of ID, address and 3 months’ bank statements.
03337720330
info@woodhallmortgages.co.uk
Colchester is easily accessible by road and rail networks, especially given its proximity to Stansted Airport, which can be reached in under 30 minutes by car. If you decide to take public transportation instead of driving, the 90-minute commute includes a direct train from London Liverpool Street Station or your other London north-end counterparts, taking you directly into Colchester’s main station. The closest ferry port to Colchester is at Harwich , which is about 30 minutes by car.
For those who aren’t looking for a commute to central London or elsewhere, Colchester is within easy reach of the Dedham Vale Area of Natural Beauty and the Hamford Water National Nature Reserve, which are both lovely places to visit on the weekend. If residents grow tired of the attractions, shops, and amenities in Colchester or simply want to broaden their search for a local job, Braintree, Chelmsford or Ipswich are all around 40 minutes away.
In terms of schools, most are noticeably good and there are a few that have been rated outstanding. There is also the option to choose from a number of which parents generally value their children’s education. In fact, they will go as far as supporting them with doing something relevant to their future careers even before these decisions can be made, for example by flying them off to study at the University of Essex where you’ll find a campus in Colchester that has been pre-recognized by that Teaching Excellence Framework.
If you’re looking to buy or rent property in Colchester, you’ll be able to find something that fits your budget and your needs. For example, there are many well-priced houses with spacious lots for gardening, as well as apartments around town.
Colchester’s population is composed of all types of people – the young, the old, families and singles. As a result and perhaps because it is close to an army barracks, this town in Essex boasts stellar service industries. The fact that there are also numerous pubs, tearooms, restaurants and bars throughout the region means visitors can take their pick when it comes to choosing which one to visit tonight!
There’s a theatre in town and two cinemas in the centre, which you can easily reach on foot. Both offer a good mix off mainstream and indie movies well worth seeing. Culver Square is home to several high street shops The Red Lion Yard also has an abundance of small, independent shops focussing mainly on fashion accessories and so-called ‘homeware’, but occasionally offering surprises such as original clothing and special antiquities. A weekly craft and farmers’ market takes place (on Saturdays).
Firstsite is a free exhibition space that promotes art and culture to a diverse, global community through a range of shows, art projects and events throughout the year. Also included in the program are exhibitions, talks and interactive workshops for children who visit for free.
The Colchester Arts Centre has it all: art, comedy and cinema. Curzon Cinema is the place to go if you want to see a bit of creativity and artistry, with arthouse films and fresh new content arriving each day. It’s just next door to Firstsite, an incredible arts venue that hosts exhibitions, workshops and activities for kids. Lastly, there’s The Minories Art Gallery, which is run by the Colchester School of Art (part of the Colchester Institute), and showcases contemporary art as well as selling equipment used in its classes!
In Colchester on the first Friday of every month, residents can enjoy a farmers’ market in Colchester Arts Centre Garden. The event features fresh produce from local producers as well as foodstuffs from other parts of the country and baked goods from local artisans. In June, one can enjoy a feast at a food and drink festival held in Castle Park – a lovely spot for a picnic during the shimmering summer heat. If you don’t wish to sample all of the great foods offered there at once, be sure to bring a blanket! In August, those who live near Castle Park can join guests from across Europe at an annual archery competition where contestants shoot arrows tipped with wax instead of feathers. In September, business owners and citizens alike look forward to what is generally regarded as Colchester’s leading social event – an oyster feast that dates back over seven hundred years!
So if you have got your heart set on a new home in Colchester, Essesx and need a mortgage give us a call as we are a mortgage broker Colchester, we can help you through the whole process. Get in touch with one of our mortgage advisor Colchester and we will be in touch. For more information on living in Colchester contact Colchester Council
Parsons Heath, Braiswick, Maypole Green, Highwoods, Old Heath, Colchester, Borough of Colchester, Shrub End, Myland, Lexden, The Dutch Quarter, Rowhedge, West Bergholt, Hilly Fields, Stanway, Colchester Castle Park, Park Rangers, Colchester Zoo, Lower Castle Park Footbridge, Play & Activity Area
Woodhall Mortgages
Croft Myl
W Parade
Halifax
HX1 2EQ
info@woodhallmortgages.co.uk
| Monday | 9am–5pm |
| Tuesday | 9am–5pm |
| Wednesday | 9am–5pm |
| Thursday | 9am–5pm |
| Friday | 9am–5pm |
| Saturday | Closed |
| Sunday | Closed |
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Woodhall Mortgages Ltd is authorised and regulated by the Financial Conduct Authority. FCA No. 762513. Financial Services
Register https://register.fca.org.uk/
Registered address: Croft Myl, West Parade, Halifax, HX1 2EQ. Registered in England & Wales, registration number 10036232
We normally charge a fee which is dependent on your circumstances however a typical fee is £299.
A mortgage will be secured against your home
