Mortgages

Mortgage advice that stays with you.

First home, moving house, remortgage or buy-to-let. We compare a range of options from over 65 lenders for our clients and have been doing so since 2004, with a dedicated adviser who, wherever possible, sees you through to your first keys and every remortgage thereafter.

Book a quick 15-minute call Call 01708 629 983

Major Money Matters has been placing mortgages for Essex and South East clients since 2004. We compare over 65 lenders, from a 5% deposit first-time buyer up to £1m+ private bank lending. No captive panel, no preferred-lender stack, no junior handover. A named adviser supports you wherever possible, from first call through to completion and future reviews.

What stage are you at?

Pick the route closest to your situation. Most cases sit in one of these four buckets; the specialist hub picks up everything else.

First-time buyers

A first home with a 5% to 25% deposit. We work out what you can borrow, line up the right lender, and walk you through application to keys.

See first-time buyer help

Remortgaging

Coming to the end of your current deal. Start six months out, compare a product transfer against a full switch, and avoid drifting onto the lender's standard variable rate.

See remortgage options

Buy-to-let

Investment property, personal name or limited company, single rental up to portfolio. We run the full buy-to-let spectrum, including HMOs and Section 24 planning.

See buy-to-let

Specialist mortgages

Self-employed, contractor, adverse credit, bridging, later life, interest-only, high net worth, expat. The cases that others might not be able to assist with.

See specialist mortgages

Mortgage questions we hear a lot

Do you charge a broker fee?

We are paid a procuration fee by the lender on completion; we charge no broker fee on any case. Third-party fees may apply and are always disclosed in writing before you agree to anything.

How much can I borrow?

Most lenders work to roughly 4 to 4.5 times income, with stretch options up to around 5 to 6 times for stronger profiles or specialist lenders. The real number depends on income type, monthly commitments and any dependants. We run a fact-find and tell you, in writing, where you sit.

How much deposit do I need?

5% gets you in. 10% unlocks better rates. 15% to 25% opens the broadest part of the market. For buy-to-let it is usually 25% minimum, sometimes 20% on stronger profiles. We work out the right path for your savings position.

I am self-employed. Will lenders touch me?

Yes. We work with lenders who actually understand company directors, contractors and sole traders. Most cases are placeable. The right lender often depends on whether you draw salary plus dividends, retain profits in the business, or work on day rates.

How long is the process to get a mortgage?

For a clean residential case, four to six weeks from full application to mortgage offer is typical. Specialist cases such as self-employed, complex income or bridging take longer, often six to ten weeks. We plan around your exchange and completion targets and chase the lender on your behalf.

My Agreement in Principle just expired. What now?

Lender-issued AIPs typically expire at 30, 60 or 90 days. We refresh, re-stress and re-submit. There is no fee for a refresh and most lenders will issue a new AIP within 24 to 48 hours.

A lender has already declined my application. Is it over?

Different lenders have different appetites for the same case. We see the case, we see the lender pool, and we re-route. Self-employed, contractor, adverse credit, complex income, day-rate stretch, expat, interest-only and bridging are all routinely placeable with the right lender.

Related guides

Three reads worth your time before you start a mortgage application.

The mortgage application process

From AIP through underwriting to mortgage offer. What happens at each stage and what we do for you.

Read guide

Surveys and valuations

Mortgage valuation, homebuyer report, full structural. What each one is for and when you need which.

Read guide

Exchange and completion

What happens on each day, what to have ready, and how the funds actually move.

Read guide

Over 65 lenders across the market Named adviser, wherever possible

Mortgage advice near you

Major Money Matters is a mortgage broker in Romford, advising across Essex and east London including Chelmsford, Basildon, Southend-on-Sea, Brentwood and Grays. See all the areas we cover.

Reviews

What our clients say

Real reviews from clients across Romford and Essex, verified on Google.

Rated 5.0 out of 5 from 92 Google reviews Read the reviews on Google

    
 
 
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   Paul Maysmith 
 
 
 
 Trustindex verifies that the original source of the review is Google. Always a great experience. Thanks to Mark Potter, Chantel Smith on the mortgage side and Oliver Alan on the insurance. Can't recommend the team highly enough.
  
 
      Posted on Google  
   
   Ramona Iuga 
 
 
 
 Trustindex verifies that the original source of the review is Google. 5 stars service,Mark and the team always offer a great service and support all the way,highly recommended.
  
 
      Posted on Google  
   
   Fancy Window Cleaners 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service from Mark and the team as always.
  
 
      Posted on Google  
   
   Kelly Sainty 
 
 
 
 Trustindex verifies that the original source of the review is Google. The second time we’ve used major money matters and cannot fault anything! Both Mark and Chantel as helpful as ever
  
 
      Posted on Google  
   
   Amy Phillips 
 
 
 
 Trustindex verifies that the original source of the review is Google. A huge thank you to Billy for all his support throughout my mortgage process. He was knowledgeable, approachable, and always happy to answer my questions, making everything easy to understand and much less stressful. His advice and guidance were invaluable, and I always felt confident I was in good hands. I really appreciate all his help and would highly recommend him to anyone looking for a fantastic mortgage advisor. Thank you, Billy!
  
 
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   Robert Larkey 
 
 
 
 Trustindex verifies that the original source of the review is Google. Top quality service no fuss straightforward advice and actioned quickly once right product decided on
  
 
      Posted on Google  
   
   Montell Chukwu 
 
 
 
 Trustindex verifies that the original source of the review is Google. I was recommended major money matters through a friend and they haven’t been short of fantastic, Oliver Potter who handle my mortgage offered a perfect service, can’t recommend them enough!
  
 
      Posted on Google  
   
   Billy Camden 
 
 
 
 Trustindex verifies that the original source of the review is Google. The whole team at Major Money Matters are an absolute dream to work with. Their expertise, speed and friendly approach made what we thought was going to be an arduous process quick and simple. Mark, Oli and Lee were always just a phone call away if we had any questions and provided clear and easy to understand advice/guidance. We would recommend their services to anybody.

Not sure which category you are in?

Most mortgage cases do not fit a single neat category. Quick 15-minute call to work out where you land and what is realistic.

Book a quick 15-minute call Call 01708 629 983

We aim to return your call as quickly as we can. Mon to Fri 9am to 5pm. Weekend appointments available on request.