Our logo

Mortgage rates are constantly changing. Get your new deal locked in today before it goes. Get Started.

Our Mortgage Partners.

Mortgage Advisor Chorley

With so many mortgage products and lenders available as options, it can be hard to know which is the correct choice for your needs. The best way to start is to speak to a qualified broker who has a specialised knowledge of your local area.

We have a wealth of experience in the Chorley property market. This leaves us in an ideal position to advise on the best approach to buying in Chorley and which lenders and agencies will work well for each buyer.

A mortgage specialist who understands your area well will be most familiar with any factors that may impact on your purchase. This means a specialist such as us can help buyers with finding the best mortgage pricing and terms possible for the area the property is situated in.

About essential MORTGAGES

As mortgage specialists with a detailed knowledge of Chorley and its housing market, we are ideally placed to pair you with your ideal mortgage.

There are many types of mortgages available on the market and we have years of experience with all of these. We are extremely familiar with helping buyers with buy to let mortgages, mortgages for first time buyers, poor credit mortgages and many more.

We are passionate about pairing buyers with their perfect mortgage deal and lender. With over 50 top lenders to choose from, there are a great variety of options for any budget.

Our lenders

We have more than 50 of the UK’s top mortgage providers on our dedicated panel of lenders. This means we can search through hundreds of deals to find great mortgage rates to suit the needs of any buyer.

Some of our lenders include:

  • Accord Mortgages
  • Aviva
  • Barclays
  • BM Solutions
  • Chorley Building Society Mortgages
  • Clydesdale Bank
  • Coventry
  • Halifax
  • HSBC
  • And many more….

Speak to our expert mortgage brokers to find out which lender is the right choice for you. We will always ensure to only put your application forward to the lenders most likely to approve your application, saving you time and hassle.

Why choose a mortgage broker in Chorley?

A mortgage is an extremely long term commitment, meaning it is important to be confident and comfortable with your broker and their financial advice. The right broker can make a mortgage application a much quicker and easier process for all involved.

With so many years of expertise, we are able to answer any questions you may have about the mortgage application process. We can help buyers in the Chorley area find their best possible mortgage deal.

Some of the top reasons to speak to our Chorley mortgage experts:

  • Experience with surveyors and valuations
  • Great understanding of the local property market
  • Wide and varied knowledge of local solicitors
  • Expertise working with local agents

Mortgage applications can at times be a complicated process, especially if there are additional factors such as a history of debt or bad credit.

Speaking to a specialist advisor such as us can simplify the process and put your mind at ease.

Cheapest mortgage deals in Chorley

There are several factors that can affect the pricing of a mortgage deal and how much your monthly repayments will be. Quality is key and we want to assure you we can find you a great deal but at a reasonable cost.

We can compare deals across over 50 of the UK’s top mortgage lenders and can place buyers with the ideal lender for them. We aim to make your application as hassle free as possible, while still being efficient and thorough in our processes.

We will look at a variety of lenders, from large high street providers to those that are more local to find the most competitive pricing available.

There are occasions in which a local lender can be a far more beneficial choice, as they will have a greater knowledge of the area you wish to purchase in.

Lowest Chorley remortgage rates

There are many reasons a remortgage can be useful for property owners. This can vary from debt consolidation, to funding home improvement to simply having found a deal on the market with more desirable rates.

Other reasons to remortgage include:

  • Switching to a fixed rate mortgage from a variable rate
  • Changing to a longer mortgage term (usually leading to cheaper repayments)
  • Releasing equity from your property

Any of the above are great reasons to remortgage a property and can allow you to access additional funds if needed. It is best to regularly review your mortgage as often there can be opportunities for savings. You could find a better rate either through your current lender or a new one.

For more information on mortgaging a property CLICK HERE.

Best mortgages for buying a home in Chorley

There are many areas lenders will assess when deciding whether to approve a mortgage application. These include:

  • Credit profile
  • Income vs expenses
  • Occupation
  • Credit score/rating
  • Deposit amount (LTV)

By comparing prices across mortgage providers, we can find the most appropriate lender for you. There is a huge variety of lenders operating in the UK, from high street lenders to more specialised lenders.

We will be sure to only put your application through to the right lenders for your credit history and financial background. This means you are likely to be approved far more quickly, removing the risk of multiple credit checks in quick succession.

Having too many credit checks run in a short space of time can affect your credit score negatively. As this could potentially impact on your purchase, we always strive to avoid this wherever possible.

For more information about how to get a great mortgage CLICK HERE.

Buy to let mortgages in Chorley

A buy to let property can be a great investment opportunity. Chorley has a lot of great properties available, meaning there is the potential for investors to make a decent profit with rental income.

Our specialists are experts in buy to let properties and can offer excellent advice on the best approach when it comes to this mortgage type. We can advise on both the general application process and any potential risk factors.

We can also help with advice about the best resources available for your purchase, including the best local solicitors and agencies.

The benefits of this will help both those new to the Chorley area and those already invested in local properties.

For more information about buy to let mortgage deals CLICK HERE.

Protecting your mortgage

It is sensible to put safeguards in place, if concerned about your family’s future. Measures such as insurance can allow you to ensure there are no significant money worries, in the instance you are no longer around to support them yourself.

An insurance policy (such as traditional life cover, critical illness cover or income protection) will be the #1 way to protect your family from financial struggles, with an insurance pay out providing much needed support at a difficult time.

This can be used to keep up with mortgage repayments, or even to buy the property outright.

Some great policies that will protect your mortgage include:

·     Mortgage life insurance (Decreasing term)

·     Family life insurance (Level term)

·     Critical illness insurance

·     Income protection cover

·     Mortgage payment protection

·     Buildings and contents insurance

Join our mailing list

Save big and stay informed! Exclusive deals and news, delivered straight to your inbox - and never any spam.