Business Details
24 Years
experience
Your Trusted Mortgage Advisers in Chelmsford
Established in 2002, Mortgage Business has built a reputation as a trusted independent mortgage advisory service in Chelmsford. Our team of CeMap-qualified professionals brings decades of combined experience to deliver tailored mortgage solutions for homebuyers, first-time buyers, landlords, and businesses. We pride ourselves on our whole-of-market approach, offering access to an extensive range of mortgage products and protection services across the UK. Our FCA-authorised status ensures rigorous compliance standards, while our customer-centric philosophy focuses on long-term relationships rather than one-time transactions. With flexible appointment options including in-person, remote, and weekend consultations, we make mortgage advice accessible without compromising on quality.Our commitment to transparency is evident in our fee structure and clear communication, supported by digital innovations like Yoti for secure identity verification. Recognised through industry awards and consistently positive client testimonials, we combine technical expertise with a personable approach to demystify the mortgage process. Our dedicated support team ensures seamless coordination with lenders, solicitors, and surveyors, maintaining regular client updates throughout the application journey. This comprehensive service model has earned us repeat business and referrals from satisfied clients across Essex and beyond.
Services
Homebuyers Mortgages
First Time Buyers
Remortgage Packages
Buy To Let Mortgages
Life Cover Insurance
Commercial Mortgages
Mortgage Protection
Insurance Packages
NHS Fee Waiver Scheme
Yoti Identity Verification
Details
- Year established: 2002
Highlights and features
- 20+ years' experience delivering mortgage solutions across Essex
- FCA-authorised independent advisers with CeMap qualified team
- Whole-of-market access to 95%+ UK mortgage lenders
- Award-winning customer service with 98% client satisfaction rate
- Transparent fee structure with clear mortgage cost breakdowns
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
Professional expertise
Dedicated support
Transparent process
Timely completions
Services
Homebuyers Mortgages
Tailored mortgage solutions for home movers seeking to purchase larger properties or upgrade their current residences. We specialise in assessing portability options for existing mortgages while identifying improved rates through our whole-of-market access. Our advisers consider changing financial circumstances and future requirements to ensure affordability. With comprehensive knowledge of lender criteria, we streamline the application process while providing expert guidance on associated protection requirements.
First Time Buyers
Specialist support for first-time property purchasers navigating the complexities of initial home ownership. We explain government schemes including Help to Buy and Shared Ownership while assessing eligibility for 95% LTV mortgages. Our team demystifies deposit requirements and associated costs while ensuring appropriate protection coverage. Through clear communication and step-by-step guidance, we simplify what can be an overwhelming process for new buyers.
Buy To Let Mortgages
Comprehensive financing solutions for residential and commercial property investors. We advise on portfolio management, limited company structures, and tax-efficient strategies while assessing rental income viability. Our expertise extends to specialist products for HMOs and large portfolios. With established relationships across the buy-to-let lending market, we secure competitive rates while ensuring compliance with evolving regulatory requirements for landlords.
Mortgage Protection
Integrated protection planning to safeguard mortgage commitments against life's uncertainties. We offer tailored life insurance, critical illness cover, and income protection policies that align with mortgage terms. Our independent status allows comparison across providers to secure optimal coverage at competitive premiums. We ensure policies remain aligned with changing circumstances through regular reviews.
Remortgage Packages
Expert guidance for homeowners seeking to optimise existing mortgage arrangements. We analyse current deals against market alternatives, considering exit fees and potential savings. Our service includes equity release options for home improvements and strategic refinancing for debt consolidation. We manage the transition process while ensuring appropriate protection coverage remains in place throughout the remortgaging journey.
People
David Oastler
Director
FPC and MAQ qualified director with extensive mortgage industry experience. Specialises in complex cases and strategic business development. Leads the team while maintaining hands-on client involvement. Recognised for exceptional client communication and industry thought leadership.
Steve Foxhall
Independent Mortgage Adviser
CeMap qualified adviser with specialist expertise in residential mortgages. Handles complex cases requiring tailored solutions. Known for technical proficiency and client-focused approach. Maintains strong lender relationships to benefit clients.
Laura Campen
Assistant Client Support Manager
CeMap qualified support manager providing end-to-end mortgage application assistance. Specialises in streamlining processes and resolving administrative challenges. Recognised for exceptional client service and communication skills.
Richard Hellery
Independent Mortgage Adviser
CeMap and BA(Hons) qualified adviser with expertise in residential and buy-to-let financing. Specialises in complex cases involving non-standard income structures. Provides strategic mortgage planning advice to property investors.
Hayley Watts
Mortgage Operations Manager
CeMap qualified operations manager overseeing mortgage processing and client communications. Ensures efficient application progression while maintaining compliance standards. Specialises in resolving procedural challenges and lender negotiations.
Questions
What mortgage types do you specialise in?
We specialise in homebuyers' mortgages, first-time buyer schemes, buy-to-let financing, commercial mortgages, and remortgaging solutions across Essex and the UK.
Are your mortgage fees transparent?
Yes, our standard mortgage advice fee is £500 with a £149 administration charge, clearly disclosed before any work commences.
How does the mortgage application process work?
We begin with a comprehensive fact-finding assessment, followed by whole-of-market product analysis, application preparation, and ongoing case management until completion.
Do you offer mortgage protection services?
Yes, we provide life insurance, critical illness cover, and income protection policies tailored to mortgage requirements and personal circumstances.
Are you regulated by the Financial Conduct Authority?
Yes, Mortgage Business Financial Advisers Limited is authorised and regulated by the Financial Conduct Authority (reference number 708608).
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