- Mortgage Advice in Colchester
- 100% Free & Easy to Use
- Search Top Mortgage Brokers
- Number 1 Dedicated UK Provider
Top 20 Mortgage Brokers & Advisers in Colchester
Please Click Any ‘Get Mortgage Advice’ Button
To Get Free Mortgage Advice
Here Are The Top 10 Independent Mortgage Advisers in Colchester.
| Glow – Mortgage Broker | Choats Cottages, 2 Halstead Rd, Eight Ash Green, Colchester CO6 3PT | 0333 335 0023 | N/A | https://glow.mortgage/ |
| Coffey Brooks Financial Services Limited | 60 Station Road, Clacton on Sea, Essex, CO15 1SP | 01255 688 400 | info@coffeybrooks.com | https://www.coffeybrooks.com/ |
| RB Financial Advisers Ltd | 8 East Street, East Bridge House, Colchester, CO1 2TX | 01206 879559 | info@rb-financial.com | https://www.rb-financial.com/ |
| Acorn Mortgage Services (Essex) Ltd | Northgate House, Plough Road, Great Bentley, Colchester, Essex, CO7 8LG | 01206 250941 | 07947 397949 | acornmortgages@aol.com | http://www.acornmortgageservices.co.uk/ |
| Ehren Finance | Birch House Toppesfield Rd, Great Yeldham, Halstead, CO9 4HD | N/A | N/A | https://ehrenfinance.weebly.com/ |
| Blue Square Financial Ltd | 7 Dedham Vale Business Centre, Manningtree Road, Dedham, Colchester, Essex, CO7 6BL | 01206 911 055 | enquiries@bluesquarefinancial.com | https://bluesquarefinancial.com/ |
| Abode Mortgages Limited | 14 Bateman Road, Brightlingsea, Essex, CO7 0SG | 01206 252025 | N/A | https://www.abode-mortgages.co.uk/ |
| Trust Financial Solutions | South Suffolk Business Centre, Alexandra Road, Sudbury, Suffolk CO10 2ZX | 01787 860 770 | 01206 430 770 | info@trustfinancialsolutions.co.uk | https://www.trustfinancialsolutions.co.uk/ |
How to choose the right mortgage advisers in Colchester for your needs
When choosing the right mortgage adviser for your needs, here are some key factors to consider:
Look for whole-of-market mortgage advisers in Colchester
One of the most important things is to find a mortgage adviser that has access to the entire mortgage market, not just a limited panel of lenders. A whole-of-market adviser can compare products from all available lenders to find the best deal tailored to your specific circumstances.
Ask about direct-only deals
Some mortgage products are only available if you apply directly with the lender, not through an adviser. A good adviser should inform you about any direct-only deals that could potentially be cheaper for you, even though they can’t arrange those mortgages themselves.
Consider the type of adviser
You have the choice between traditional mortgage brokers who provide face-to-face or phone advice, and online/digital mortgage advisers in Colchester that operate through websites and apps. Evaluate which approach suits your preferences and needs.
Check their qualifications and regulation
Make sure the mortgage advisers in Colchester are qualified, regulated by the Financial Conduct Authority (FCA), and follows industry standards. This ensures you receive professional, unbiased advice. Advisers who are members of bodies like the Association of Mortgage Intermediaries (AMI) are a good sign.
Understand their fees and commissions
Mortgage advisers in Colchester may charge fees (flat rate, percentage-based, or hourly) or receive commissions from lenders, or both. Get full transparency on their fee structure and how they are compensated before engaging them.
Assess their expertise and customer service
Look for mortgage advisers in Colchester with expertise in your specific situation, such as first-time buyers, self-employed, or complex financial circumstances. Read reviews, get recommendations, and ensure they can provide the level of guidance and support you need throughout the process.
By considering factors like whole-of-market access, qualifications, fees, expertise, and customer service, you can increase your chances of finding the right mortgage adviser to secure the best mortgage deal for your unique needs
What questions should you ask mortgage advisers in Colchester before hiring them?
When considering hiring mortgage advisers in Colchester, it’s important to ask the right questions to ensure you find a qualified and reputable professional who can provide the best guidance and options for your specific circumstances. Here are some key questions you should ask a mortgage adviser before hiring them:
1. Are you authorized and regulated by the Financial Conduct Authority (FCA)?
Ensure the advisers in Colchester are properly authorised and regulated by the FCA to provide mortgage advice. You can verify their status on the FCA register.
2. Are you a whole-of-market adviser?
Ask if the advisers in Colchester have access to mortgage products from all lenders across the entire market, not just a limited panel. Whole-of-market access gives you the best chance of finding the most suitable deal.
3. How much do you charge, and how are you compensated?
Understand the adviser’s fee structure upfront, whether it’s a flat fee, percentage-based, or hourly rate. Also, ask if they receive commission from lenders and how this could potentially influence their recommendations.
4. What qualifications and experience do you have?
Inquire about the adviser’s qualifications, years of experience, and areas of expertise (e.g., first-time buyers, self-employed, complex cases).
5. Can you explain the different mortgage types and options?
Good mortgage advisers in Colchester should be able to clearly explain the various mortgage products, interest rate types, and loan terms to help you make an informed decision.
6. How much can I borrow, and what deposit will I need?
The adviser should assess your financial situation, income, and credit profile to provide an estimate of how much you can borrow and the required deposit amount.
7. What is your process and level of support?
Ask about the adviser’s process, from initial consultation to application and completion, and the level of support and communication you can expect throughout.
8. Do you have professional indemnity insurance?
Ensure the mortgage advisers in Colchester have professional indemnity insurance in case you need to make a claim for negligent advice.
9. Can you provide references or reviews?
Request references or read reviews from previous clients to gauge the adviser’s reputation and customer satisfaction levels.
By asking these questions, you can better evaluate a mortgage adviser’s qualifications, expertise, transparency, and ability to find the most suitable mortgage product for your needs.
The Mortgage Advisers Listed Above in Colchester Cover The Following Colchester Postcodes.
CO1 to CO9 Colchester Postcodes.
| CO1 | COLCHESTER | Colchester | Colchester |
|---|---|---|---|
| CO2 | COLCHESTER | Old Heath, Berechurch, Layer de la Haye | Colchester |
| CO3 | COLCHESTER | Lexden, Fordham Heath, Stanway | Colchester |
| CO4 | COLCHESTER | Greenstead, Highwoods, St Johns, Myland, Boxted, Braiswick | Colchester |
| CO5 | COLCHESTER | Tiptree, Kelvedon, West Mersea, Peldon, Rowhedge | Colchester, Braintree, Maldon |
| CO6 | COLCHESTER | Coggeshall, Earls Colne, Marks Tey, Great Tey, Chappel, White Colne, Wakes Colne, Fordham, Copford, West Bergholt, Great Horkesley, Wormingford, Nayland, Stoke-by-Nayland, Polstead | Colchester, Braintree, Babergh |
| CO7 | COLCHESTER | Brightlingsea, Wivenhoe, Great Bentley, Alresford | Colchester, Tendring, Babergh |
| CO8 | BURES | Bures, Alphamstone | Colchester, Braintree, Babergh |
| CO9 | HALSTEAD | Halstead | Braintree |
Postcodes CO10 to CO16 of Colchester.
| CO10 | SUDBURY | Sudbury, Lavenham, Long Melford | Babergh, West Suffolk, Braintree |
|---|---|---|---|
| CO11 | MANNINGTREE | Manningtree, Lawford, Mistley, Bradfield, Wrabness, Wix, Horsley Cross, Little Bromley, Brantham, Cattawade | Tendring, Babergh |
| CO12 | HARWICH | Harwich, Dovercourt, Parkeston, Ramsey, Little Oakley, Great Oakley, Stones Green | Tendring |
| CO13 | FRINTON-ON-SEA | Frinton-on-Sea | Tendring |
| CO14 | WALTON ON THE NAZE[3] | Walton-on-the-Naze | Tendring |
| CO15 | CLACTON-ON-SEA | Clacton-on-Sea, Jaywick | Tendring |
| CO16 | CLACTON-ON-SEA | Clacton-on-Sea, St Osyth, Little Clacton | Tendring |
More Colchester Information.
| 130,245 (2021 Census)[1] | |
| • Density | 4,132/km2 (10,700/sq mi) |
|---|---|
| Founded | 1st century BC |
| OS grid reference | TL998254 |
| • London | 56 mi (90 km) SW |
| District | |
| Shire county | |
| Region | |
| Country | England |
| Sovereign state | United Kingdom |
| Post town | COLCHESTER |
| Postcode district | CO1–4 |
| Dialling code | 01206 |
| Police | Essex |
| Fire | Essex |
| Ambulance | East of England |
| UK Parliament | |
| Website | colchester |
Speak to Colchester mortgage advisers for help and advice. By using Mortgage Brokers Network we can connect you with over 2,500 Mortgage advisers throughout the UK. Please use our ‘Get Mortgage Advice’ quote form to receive advice from Colchester mortgage advisers or scroll through the companies listed and contact the mortgage brokers directly.
