Business Details
24 Years
experience
Your Trusted Mortgage Advisers in Chelmsford
Established in 2002, Mortgage Business operates as an independent mortgage advisory firm dedicated to simplifying the complexities of property financing. Our team of CeMap-qualified professionals prioritises client needs, offering tailored solutions across residential, commercial, and buy-to-let mortgages. With regulatory oversight from the Financial Conduct Authority (FCA), we maintain strict compliance standards while leveraging relationships with over 90 lenders to secure competitive rates. Our service model combines technical expertise with accessible communication, demonstrated through a 14-year average tenure of advisers and a client retention rate exceeding 85%.We specialise in first-time buyer schemes, portfolio landlord financing, and protection insurance products, supported by digital verification tools like Yoti for streamlined identity checks. The company's fee structure includes a standard 500 advisory charge for loans under 99,999, with administration fees starting at 149. Our client testimonials highlight consistent satisfaction with process transparency and post-transaction support, evidenced by a 92% repeat recommendation rate.
Services
Homebuyers Mortgages
First Time Buyers
Remortgage Packages
Buy To Let Mortgages
Life Cover Insurance
Details
- Year established: 2002
Highlights and features
- 20+ years of mortgage advisory experience since 2002
- Independent advisers with access to whole market lenders
- Award-winning customer service with 92% client recommendation rate
- CeMap qualified professionals with specialist protection insurance expertise
- Digital verification system for secure, streamlined identity checks
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
Professional expertise
Transparent communication
Efficient processing
Personalised support
Services
Homebuyers Mortgages
Tailored mortgage solutions for property purchasers seeking to move up the property ladder. We specialise in assessing individual financial circumstances to secure competitive rates from over 90 lenders. Our service includes portability options for existing mortgages and affordability assessments for increased loan amounts.
First Time Buyers
Comprehensive guidance for first-time property purchasers, including government scheme eligibility assessments. We provide expert advice on Help to Buy, Shared Ownership, and Mortgage Guarantee Scheme options while maintaining FCA regulatory compliance throughout the application process.
Buy To Let Mortgages
Specialist financing solutions for property investors, including portfolio landlords and limited company purchases. Our advisers assess rental income projections against lending criteria to secure optimal terms, with expertise in tax-efficient structures and portfolio expansion strategies.
Remortgage Packages
Market-leading refinancing options to reduce monthly payments or release equity. We conduct comprehensive product reviews to determine whether existing lenders' offers remain competitive, considering both standard and bespoke mortgage products.
Life Cover Insurance
Customisable life assurance and critical illness cover to protect mortgage commitments. Our independent advisers compare policies across multiple providers to ensure appropriate coverage levels at competitive premiums, including income protection options.
People
David Oastler
Director
FPC and MAQ qualified director with extensive mortgage market experience. Specialises in strategic client advisory and team leadership, maintaining professional regulatory compliance standards.
Steve Foxhall
Independent Mortgage Adviser
CeMap qualified adviser with specialist expertise in complex mortgage cases. Recognised for exceptional client support and rapid transaction completions, including non-standard property financing solutions.
Laura Campen
Assistant Client Support Manager
CeMap qualified client support specialist focusing on first-time buyer assistance. Manages application processes with documented 98% client satisfaction ratings for communication effectiveness.
Richard Hellery
Independent Mortgage Adviser
BA (Hons) graduate with specialism in buy-to-let portfolio financing. Provides tailored investment mortgage solutions while maintaining CeMap professional qualifications.
Hayley Watts
Mortgage Operations Manager
CeMap qualified operations manager overseeing mortgage processing efficiency. Specialises in post-transaction client support and lender relationship management across multiple product lines.
Questions
What mortgage options are available for first-time buyers?
We offer Help to Buy, Shared Ownership, and Mortgage Guarantee Scheme options with competitive rates from 90+ lenders.
How much do your mortgage advisory services cost?
Standard fee of £500 for loans under £99,999 plus £149 administration charge, with potential lender commissions.
Do you provide buy-to-let mortgage solutions?
Yes, including portfolio financing and limited company purchase options with specialist lending criteria assessments.
Are your mortgage advisers qualified?
All advisers hold CeMap qualifications with average 14+ years industry experience and FCA regulatory compliance.
Can you help with mortgage protection insurance?
We provide independent life cover, critical illness, and income protection insurance comparisons from major providers.
What areas do you serve?
Primarily Essex with remote advisory services available nationwide through digital verification systems.
Videos
Reviews (3)
Tinsu Anish
Jun 02, 2021
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We had a great experience from Laura Campen as a first time buyer. She has guide us and communicate with us email very frequently. Laura was very supportive and very efficient in her work Much appreciated.we highly recommend Laura. Laura all the very best.
Jordan Pool
May 17, 2019
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I gave mortgage business a go based on recommendation alone. They're not local to me by any stretch but I was not disappointed. Steven Foxhall has been first class. Very professional, knowledgeable and easy to deal with. Thanks to their help we've managed to get our dream home. Leave all the big companies who charge big fees and don't really care about your needs and speak directly to the broker that do.
Andy McManus
Feb 06, 2019
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I have used mortgage business on several occasions and always found them extremely professional. I have used many brokers over the years but can say that I haven't found a company who gave such attention to what was important to the customer. Thank you.
