SERVICES
Mortgage Advisor Hornchurch
Trusted Mortgage Advice in Hornchurch, Essex
Today, getting a mortgage can feel like a daunting prospect. Lenders continually adjust their offers and lending criteria and rates fluctuate. New products are always available for consideration, too. I’m Ian Smith, a fully independent mortgage advisor working with clients across Hornchurch and Essex, providing clear, personal, and expert advice.
Whether you’re a first-time buyer, upsizing or downsizing within Hornchurch, refinancing an existing deal, or protecting your family’s financial future through an investment, I am well placed to guide you every step of the way.
Mortgage Services in Hornchurch

First-Time Buyer Mortgages
If you’re buying your first property in Hornchurch, I can help you understand your budget, secure an Agreement in Principle, and compare deals from across the market – not just from the high street. I will walk you through every step, from meeting lender criteria to choosing a solicitor, so nothing feels overwhelming.
Common questions I help answer:
- How much deposit do I need?
- Can I get a mortgage with a low credit score?
- Should I fix my rate now?

Re-Mortgaging
If your circumstances change, you might need a new mortgage deal. I can compare remortgage deals to help you reduce your payments or release some of the equity that’s tied up in your home. If you’re worried about a complex credit history or the fact that you’re self-employed, don’t be. I can help a wide range of people remortgage.
You might remortgage to:
- Get a preferential rate.
- Fund home improvements.
- Raise cash for new property purchases.

Moving Home
Investing in a new property in Hornchurch? If you are transferring your mortgage or starting afresh, I can help you choose the right option for your circumstances. However you go ahead, you can enjoy wholly independent advice every step of the way.

Buy to Let Mortgages
Hornchurch is an excellent place to enter the rental market, with strong demand for a range of properties from small flats to family homes. Whether your buy-to-let mortgage represents your first step into property investment or you’re an old hand with an extensive portfolio, I am well placed to provide support.
Issues I can help with include
- Ltd company vs personal options
- Setting rental rates and deposits
- Remortgaging to release equity from a buy-to-let
If you’re keeping a property as a let-to-buy, I can offer a wide range of independent advice too.

Bridging Loans & Secured Loans
Do you need a loan to buy a new property before selling your old one? I can explain the pros and cons of bridging loans and second-charge lending. They are especially useful for non-standard or against-the-clock borrowing needs.

Equity Release
Equity release is a way for older homeowners to unlock the value tied up in their properties. As an independent advisor, I can talk you through the process fairly, with total transparency and no hard sell. I can also include inheritance planning and care funding.
Protecting What Matters Most
Your mortgage is likely to be the most significant financial commitment you’ll make. It’s essential to consider what should happen in the event of illness or death. Your family will thank you for protecting their interests should the worst happen.
As an independent broker, I can help you with the following;
Family Protection & Life Insurance
Critical Illness Cover
Income Protection
Business Protection
Why Choose Me as Your Mortgage Advisor in Hornchurch?
Over 25 years of experience in mortgages and protection
Fully independent, whole-of-market advice
Support with all types of personal and family protection
Clear explanations and no-pressure guidance
Local and personal service tailored to your life
Appointments by phone or video
Book a Free Consultation
I can help you with buying, remortgaging, or protecting yourself and your loved ones – I’m here to guide you from start to finish. Book a free call or message me with your questions.
Call online or ring me on 01708 535 946 to book your free consultation