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Fee-Free Mortgage Broker Colchester
Our Fee-Free Mortgage Services
Get a great Colchester remortgage deal
Remortgaging is a great idea if you want to raise money for home improvements, are interested in debt consolidation, or simply want to lower your monthly payments. One of our talented mortgage advisors will find you a mortgage renewal deal that is right for your specific needs.
First Home In Colchester
If you are looking to get your first mortgage, we can make the whole process easier for you. We will explain all of your mortgage options to you, give you straightforward advice that you can understand, and give you all the practical support you need as you make your first step onto the property ladder.
Free mortgage advice for Colchester home movers
The moving process can be very stressful but when it comes to getting a mortgage, you will have one less thing to cause you bother. Our experienced mortgage advisors will get you a great new mortgage and submit the mortgage for you and do everything mortgage-related for you.
Buy to let mortgages for Colchester landlords
We can get you a great deal on a buy-to-let mortgage, so if you're looking to make money from property investment, we are here for you. We have years of experience helping landlords throughout the UK and have access to those online and high street lenders that are more likely to understand your specific set of mortgage needs.
Highly-Rated Mortgage Advisors In Colchester
If you are looking for an independent mortgage broker in Colchester, it’s important to choose a company that you know you can trust. At YesCanDo Money, we have proven our ability to help customers get a great mortgage time and time again. You need only look at our review page to get an understanding of what our customers think of us so have a read and then get in touch if you want to experience our services for yourself.
At YesCanDo mortgage brokers our customers love us for our ability to find them a great deal, the free advice we give throughout their mortgage journey, and the support we give them throughout the entire mortgage application process. We do all this and more so it’s little wonder that we are currently rated 5 on Trustpilot as a mortgage broker. It’s thanks to the skills and years of experience that our expert team of mortgage advisors has that make us so popular, and we think you will be very pleased with what we can do for you if you choose us as your Colchester mortgage brokers.
Reasons to consider the services of our expert mortgage team
How to get a mortgage in Colchester
We really do make getting a mortgage seem easy.
What YesCanDo Money Offers
Why pay more when you could be paying nothing? Whether you’re looking to buy a property or need remortgage advice, you can benefit from all of our expert services for FREE. This is just one way to save money. As we will also find you a mortgage with the lowest monthly repayments, you will make savings that way too!
We have access to all the main mortgage providers, including Halifax, Barclays, and NatWest, as well as specialist mortgage lenders that may be better suited to your personal set of circumstances. So, be it your first mortgage or a remortgage, we can find the right deal for you.
When looking for mortgage brokers in Colchester, you need somebody who will have your back, every step of the way! This is exactly what you will receive should you choose us for your Colchester mortgage. After taking the time to get to know you and with the help of a mortgage calculator we will look for those deals that suit your personal and financial circumstances.
We won’t pack your moving boxes for you – sorry – but when it comes to your mortgage, we will do EVERYTHING on your behalf. We will explain your options to you, give you advice on reducing your repayments, manage your application, and liaise with your lender. We will do all of this and more for FREE so you will save money if you choose us as your mortgage brokers in Colchester.
Getting A Mortgage In Colchester
When looking for a mortgage in Colchester, there are a number of factors that will determine how much you can borrow. These include:
Your credit score
Your living expenses
The size of the deposit you can afford
The type of mortgage you decide on
To improve your chances of getting a mortgage, you should:
Cut back on your spending months before you apply for a mortgage
Do what you can to improve your credit score
Save up for your deposit
Take further steps to improve your financial situation
Speak to a mortgage broker for expert advice
By taking these steps, mortgage lenders will be less likely to turn your application down. You will also be eligible for the best interest rates if you improve your finances and credit rating. Furthermore, if you can save up for a bigger deposit, you may be offered a more attractive mortgage deal.
Mortgage options will vary depending on your personal situation. If you’re looking for your first mortgage, for example, the deals you will be offered will typically be different to those offered to regular home movers as you will be subject to a higher interest rate. Similarly, if you’re looking at buy-to-let mortgages rather than residential mortgages, you can expect to pay a little more overall.
Your options can also vary if you’re employed rather than self-employed, or if you’re looking to remortgage away from your existing lender.
If you have bad credit or if you can’t meet the criteria set out by most mortgage providers, you may need a specialist mortgage.
For more advice, speak to the team at YesCanDo Money as we can discuss all of your available options with you.
When you choose to use our services, you won’t have to pay the typical fee that some brokers charge their clients. We do everything for you for FREE, so this is one way to reduce your expenses when you’re looking to move into your own home.
We give you free advice and support throughout your mortgage journey. From searching the whole market for the best mortgage deals using a whole of market mortgage calculator to helping you throughout the entire application process, we will offer you a personal service that is based on your needs. We will also liaise with your estate agents, solicitor, and your mortgage lender after your mortgage application process has gone through.
We will do all of this AND give you advice on life insurance and mortgage protection, as well as other financial services that will be offered to you for FREE. So if you’re currently looking for a mortgage broker in Colchester, get in touch with us to learn more.
How To Buy A House In Colchester
Whether you’re a first-time buyer or a regular home mover, it’s important to consider your finances when looking at properties in the Colchester area.
It always makes sense to buy a property that you know you can fully afford, you will then be in a better position to keep up with the repayments on your mortgage and other monthly payments.
Know your affordability first, if you are planning to move into the area. We can use an affordability mortgage calculator so you know what properties are in your price range before you start your property hunt. Talk to a member of our team for fee-free advice on mortgages, as with access to the lowest mortgage rates on the market and we can reduce the monthly payments on your new mortgage.
Choosing a property in Colchester
You are spoiled for choice when looking at properties in Colchester. This historic town has a mix of modern and period houses and is an ideal place to live for students, young families, and those who are looking for a place to retire.
Places to live in Colchester
Property prices vary significantly, depending on which part of Colchester you want to live in. House prices in Greenstead, for example, are among the cheapest in the town, with an average price of £261,471 according to Zoopla.
Highwoods is a popular place to live, with an average price of £440,854, although semi-detached and terraced properties are significantly cheaper, at an average of £314,051 and £240,554 respectively.
Neighbourhoods in West Colchester offer some of the pricier houses on the market, including the suburb of Lexden, with its mixture of Victorian, Regency, Georgian, and modern properties. Detached properties are among the most expensive, with an average of £515,143. Semi-detached properties are cheaper, averaging at £381,663. And terraced properties are cheaper still, with an average price of £311, 569.
Property schemes in Colchester
The Help-To-Buy Scheme can make life easier for first-time homebuyers, as can the Share-to-Buy Scheme. Speak to a local estate agent to find out which properties are included within these schemes.
Mortgage Rates In Colchester
|Property Type||Average Property Price||Monthly Mortgage Repayment *|
|Flat/apartment in Colchester||£197,076||£743.18 a month *|
|Terraced House in Colchester||£335,833||£1,266.44 a month *|
|Semi-Detached House in Colchester||£361,639||£1,363.75 a month *|
|Detached House in Colchester||£531,454||£2,004.13 a month *|
Average Colchester property prices based on figures posted here » | * (Monthly mortgage payments based on a 90% Loan To Value – 1.9% two year fixed rate – 25 year term. Rates will vary.)
Read our mortgage, insurance and property help guides.
Highly Rated Mortgage Broker Colchester
Our expert mortgage advisers help you to achieve your best mortgage.
To book your first free mortgage consultation with a qualified mortgage broker, simply complete our enquiry form or contact us using any of the methods that are listed on our website.
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Why choose us as your Colchester mortgage advisers?
Meet Our Mortgage Team
Our CeMap-qualified team of mortgage brokers are hard-working, highly experienced, friendly, and committed to helping you throughout all aspects of the process. We have helped many happy clients throughout our 30+ years in business, so if you are looking for NO-fee advice and support and if you want somebody who cares about your financial needs, give us a call today. We are your Colchester mortgage centre and look forward to serving you!
Expert Mortgage Advice Across Essex
We provide mortgage advice across the South of England. If you are local to the area and would like to talk to a specialist advisor please contact us.