Frequently Asked Questions
About our services
No, we do not charge upfront for initial consultations. You can chat to us as many times as you need and typically, you will only be charged when your mortgage has offered and you have the keys to your new home.
We offer different contact options if you can’t meet us in person. We can have a quick chat over the phone or through email, and we can arrange an online video call for a more thorough meeting.
Yes! As we offer online meetings, we can arrange mortgages across most parts of the United Kingdom. We have helped customers in London, Brighton, Cornwall, Liverpool and beyond.
Yes. Chelmsford Mortgage Solutions Ltd is an Appointed Representative of PRIMIS Mortgage Network which is authorised and regulated by the Financial Conduct Authority (FCA).
Unfortunately, mortgage capacity reports are not a service we offer at this time.
General questions
Using a broker can save you time, money and stress. The process involved in obtaining the right mortgage for you is not as simple as walking into your bank. Using our extensive knowledge and over 25 years experience, we will find you the most cost-effective mortgage for your individual circumstance.
Yes. In most cases you can get a mortgage if you’ve had bad credit. Read more on our Poor Credit page.
No. An estate agent should not insist you use their in-house broker. Always ask to see a written agreement of the sale conditions before proceeding.
No, but we strongly advise that you have appropriate insurances in place. Read more information about the protection services we can help with.
Yes. Estate agents will usually require evidence that you are able to obtain a mortgage prior to proceeding with a purchase.
Yes. It is possible to get a mortgage if you only have one years accounts. You can read more on our Self Employed page.
About your deposit
Typically, a lender will require 5-10% of the property value as a deposit. However, we can offer 100% mortgages that require no deposit.
Yes! This is called a gifted deposit. We will require a gifted deposit form to be signed by the giftor(s) to ensure that they are giving you the money freely. Your gift does not always have to come from family either.
We strongly advise that you leave your deposit in the account where it is currently held.
Generally not. Your deposit usually needs to come from money that you have earned or money that is being gifted to you freely.
Supporting documents
If you have moved house recently or changed your name, please make sure you update your banking details and any utility accounts to reflect your changes.
We advise that you are registered to vote and are on the electoral roll before applying for a mortgage. This boosts your credit score.
If you’ve never taken credit, this may have a negative impact on a mortgage application. It’s important to have a credit footprint as this shows a mortgage lender that you are a good payer.
To begin your journey with us, we ask that you fill out our client information form so we get a good understanding of your position.
You will need to prove your income to ensure the mortgage is affordable. We usually need to see your latest three months bank statements and payslips or tax documents if you are self-employed.
We will also need proof of your deposit.
Mortgage lenders may require different documents depending on your situation.