SERVICES
Mortgage Advisor Brentwood
Trusted Mortgage Advice in Brentwood, Essex
It’s not a surprise that many people find securing a mortgage a challenge. Rates and lending criteria are continually evolving, with new products emerging almost daily. There’s no reason to feel overwhelmed, though. I’m Ian Smith, a fully independent and highly experienced mortgage advisor serving Brentwood and the wider community. My services can help you navigate the market with professional, personal advice.
The good news is I am here to help Brentwood home and business owners with everything from first-time buying to complex equity release remortgages and all that comes in between.
Mortgage Services in Brentwood
First-Time Buyer Mortgages
Buying a first home in Brentwood doesn’t need to be difficult. I have extensive experience in advising new purchasers on what they can afford and helping them find the right products. Often, I can find good deals that you won’t find advertised on the high street. It pays to seek independent advice before making any big decisions.
First-time buyers often ask questions such as:
- How much cash do I need for a deposit?
- Will a poor credit history stop me borrowing?
- What is the best rate I can get for my first mortgage?
Re-Mortgaging
If you are considering re-mortgaging for any reason, I can help. Whether you’re looking to switch to a better rate or add to your mortgage for an injection of cash, I can support you every step of the way, from searching the marketplace for your ideal product to handling the application itself.
I often help homeowners achieve the following:
- Switch to a product with a better rate
- Release cash for home renovations or improvements
- Raise capital for another property purchase.
Moving Home
Brentwood homeowners shouldn’t consider a move without independent mortgage advice. I can guide you to your new home through a series of simple, cost-effective steps. Whether you’re starting afresh or dealing with an existing mortgage, I can help you make informed choices that suit you and your family.
Buy to Let Mortgages
Brentwood is a favourite of investment property owners thanks to its location and status as a London commuter town. There is a steady demand for all kinds of properties, ranging from one-bedroom apartments to four-bedroom family homes. If you have a suitable property or properties in mind, I can provide clear, tailored advice on buy-to-let lending.
I help buy-to-let customers with:
- Business advice on forming a limited company, if appropriate.
- Financial planning based on likely rental income
- Releasing capital and equity through buy-to-let products
If you’re planning a let-to-buy in Brentwood to raise cash for a new home, I can help with that too.
Bridging Loans & Secured Loans
If you need extra borrowing at any point to prevent your dream home slipping away, I can help secure the right bridging loan or second-charge deal. Such arrangements are often risky, especially if they’re arranged under time pressure, so independent advice is essential.
Equity Release
Brentwood residents with a few years under their belts may consider equity release as a method of freeing up money tied up in the bricks and mortar of their homes. As an independent broker, I’m well placed to help with no agenda or sales pressure. The most important thing, as you plan for your future, is to make a balanced decision that feels right for you.
Protecting What Matters Most
There are few bigger commitments in our lives than our mortgage. There are grave consequences for our families if we fail to pay. It’s important to ask, therefore, how they would cope in the event of serious illness, injury, or even the loss of a life. With this in mind, I offer guidance on financial protection products to help keep everyone safe and secure.
Family Protection & Life Insurance
Critical Illness Cover
Income Protection
Business Protection
Why Choose Me as Your Mortgage Advisor in Brentwood?
Independent advice and complete market analysis.
25+ years working in and around Brentwood
We can meet online, on the phone or face-to-face.
Clear, honest advice from an experienced broker
Advice on mortgages, bridging loans and insurance packages
Book Your Free Appointment
I look forward to answering any questions you have about buying a property, arranging a remortgage or protecting you and your family with insurance products. – I’m here to help you pick the right product for you.
Book a free call or message me with your requirements.