Business Details
24 Years
experience
Expert Mortgage Advice 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 combines extensive industry knowledge with a client-centric approach, offering tailored solutions across the entire mortgage market. We pride ourselves on transparency, with clear fee structures including a 500 charge for mortgages under 99,999, while maintaining FCA regulation compliance. Our dedicated consultants provide continuous support from initial application through to completion, supported by a 14-year track record of consistent service delivery.The team's expertise extends beyond standard mortgage advice to include specialized knowledge of cladding-related property issues and innovative solutions for complex cases. With a strong focus on community engagement, we offer fee waivers for NHS workers and maintain flexible communication channels via telephone, email, and social media platforms.
Services
Homebuyers Mortgages
First Time Buyers
Remortgage Packages
Buy To Let Mortgages
Life Cover Insurance
Commercial Mortgages
Details
- Year established: 2002
Highlights and features
- 20+ years of mortgage advisory experience since 2002
- Independent advisers with access to whole market products
- FCA regulated for your protection and compliance
- Fee waiver available for NHS workers
- Dedicated post-application support through to completion
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Knowledgeable team
Professional approach
Responsive support
Successful completions
Services
Homebuyers Mortgages
Tailored mortgage solutions for home movers seeking to upgrade their property. We help clients navigate portability options and secure competitive rates when moving home. Our independent status ensures access to the entire market, with specialist knowledge in handling complex cases involving cladding issues and unique property types. Clients benefit from our expertise in structuring affordable deals that match changing financial circumstances.
First Time Buyers
Comprehensive guidance for first-time property purchasers. We explain government schemes like Help to Buy and Shared Ownership while considering 5% deposit options. Our team simplifies the process of entering the property market, offering clear explanations about loan-to-value ratios and helping clients understand their affordability criteria. We specialise in making complex mortgage terminology accessible to new buyers.
Buy To Let Mortgages
Specialist advice for property investors and landlords. We provide portfolio management strategies and help clients understand yield calculations. Our expertise covers limited company buy-to-let structures and commercial property financing. We maintain strong relationships with specialist lenders to secure competitive rates for both novice investors and experienced property portfolio owners.
Remortgage Packages
Expert analysis of existing mortgage arrangements when fixed-rate periods end. We compare retention offers against the wider market to identify potential savings. Our service includes assessing equity release options and restructuring debt to improve financial positions. We help clients navigate the complexities of exiting existing deals while considering associated fees.
Life Cover Insurance
Independent insurance advice to protect clients' financial futures. We offer life cover, critical illness cover and income protection policies tailored to individual circumstances. Our whole-of-market approach ensures competitive premiums while matching policy terms to clients' specific needs. We help structure policies that provide financial security for families in case of unexpected life events.
People
Fiona Dodwell
Client Support Manager
CeMap qualified with extensive client support experience. Recognised for her organisational skills in streamlining mortgage applications. Specialises in ensuring smooth processing through meticulous attention to documentation requirements.
Dawn Pickard
Compliance Executive
CeMap qualified compliance specialist ensuring regulatory adherence. Known for her diligence in preparing applications that meet lender criteria. Brings methodical approach to case preparation and documentation verification.
Richard Hellery
Mortgage Adviser
BA (Hons) graduate with specialist knowledge in complex mortgage cases. Recognised for thorough research into suitable products. Experienced in handling unique property types and challenging financial circumstances with practical solutions.
Laura Campen
Assistant Client Support Manager
CeMap qualified support specialist praised for making processes easy for clients. Known for professional yet reassuring manner during mortgage applications. Specialises in providing clear explanations of complex mortgage terms.
David Oastler
Director
FPC and MAQ qualified director with strategic oversight. Maintains focus on team development and service quality. Ensures operational excellence while preserving the company's client-first ethos established since 2002.
Questions
What mortgage services do you offer?
We provide homebuyers mortgages, first-time buyer schemes, remortgaging, buy-to-let investments, commercial mortgages, and associated protection products.
Are you regulated by the FCA?
Yes, we are Authorised and Regulated by the Financial Conduct Authority (reference number 708608) since our establishment in 2002.
What fees do you charge?
We charge £500 for mortgage loans of £99,999 or under, with an administration fee of £149 payable on application.
Do you offer NHS discounts?
Yes, we offer a fee waiver for NHS workers - contact our Chelmsford office for details about this exclusive benefit.
Can you help with complex cases?
Yes, our team has specialist experience handling complex mortgages including cladding-related issues and non-standard property types.
Videos
