Essex
Alfie began his career in an IFA firm before moving into high-value and complex mortgage advice in West London. In 2020 he founded Greywood with a vision for modern, high-quality, client-focused advice.
He now specialises in high loan-to-value lending, non-standard income cases, portfolio landlords, multi-unit finance and commercial mortgage options.
Essex Mortgage Advice for First Time Buyers, Remortgages & New Builds
Buying your first home in Essex, remortgaging to a better rate, or securing finance on a new build development doesn’t have to be stressful. Greywood Financial provides clear, independent mortgage advice across Essex – from Chelmsford and Colchester to Brentwood, Southend and beyond.
We compare thousands of mortgage products from high street banks, building societies and specialist lenders to help you find a suitable option for your circumstances.
Why choose Greywood Financial for mortgage advice in Essex?
As an independent mortgage broker, we’re not tied to any one bank or building society. Instead, we explore a wide range of lenders to find options that match your income, deposit, credit profile and future plans.
We combine detailed product knowledge with straightforward explanations – so you understand exactly how much you can borrow, what it will cost now and over the longer term, and what to expect at each stage of the process.
Specialist mortgage advice across Essex
Whether you’re just starting to look at Rightmove listings or already have a property and solicitor lined up, we can support you at every step.
First Time Buyers in Essex
From understanding how much you can borrow to getting a clear breakdown of monthly costs, we’ll guide you from “no idea where to start” to getting your keys.
- Help with deposits, gifted funds and family support
- Advice on fixed vs tracker rates and early repayment charges
- Support with estate agents, solicitors and survey choices
Remortgaging & rate switches
If your current deal is ending or your payments feel too high, we’ll compare options from your existing lender and the wider market.
- Review your current mortgage and any early repayment charges
- Look at consolidating debts or raising additional funds
- Plan ahead so you don’t lapse onto a costly Standard Variable Rate
New Build Mortgages in Essex
New build properties often come with tight deadlines, developer incentives and specific lender criteria. We’re used to working to these timelines.
- Advice on developer incentives and how lenders view them
- Support with exchange deadlines and mortgage offer extensions
- Help for buyers using schemes or buying off-plan
Common questions about mortgages in Essex
How much deposit do I need to buy in Essex?
Many lenders will consider mortgages up to 95% loan-to-value (5% deposit), subject to your income, credit history and the property type. A larger deposit can open up more competitive interest rates – we’ll explain what’s realistic for your situation.
When should I start looking at a remortgage?
We usually recommend reviewing your options around 4–6 months before your current fixed rate ends. This gives time to secure a new deal, complete any legal work and avoid landing on your lender’s Standard Variable Rate.
Can you still help if I have complex income?
Yes. We regularly work with self-employed clients, contractors, limited company directors and those with multiple income sources. We’ll explain what documents lenders are likely to ask for and how they assess your affordability.
Do I need to live in Essex for you to help?
We specialise in Essex and surrounding areas, but most of our advice is delivered over phone or video, so we can work around your schedule wherever you are based in the UK – and we understand the local market when you’re buying here.
Ready to talk about your mortgage in Essex?
Whether you’re a first time buyer, remortgaging an existing property or securing a mortgage on a new build, we’ll take the time to understand your plans, explain your options in plain English and handle the application process for you.
Your home may be repossessed if you do not keep up repayments on your mortgage. Advice is based on your personal circumstances and is subject to lender criteria and affordability assessments.
