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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?
 
Gifted Deposits Advice Essex

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 Advice Essex

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 Mortgage Advice Essex

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

Family life cover and family protection are designed to safeguard the things that matter most, ensuring that your loved ones are financially supported if you pass away by providing them with either a lump sum or a regular income.

Critical Illness Cover

Critical Illness Cover provides financial support if you are diagnosed with a serious medical condition and are unable to work, and it is an important protection option to consider alongside life insurance.

Income Protection

Income Protection covers part of your salary if illness or injury prevents you from working, making it especially vital for self-employed workers who rely on staying fit and healthy to earn their income.

Business Protection

I am always happy to support Hornchurch local business owners with key person insurance, director’s insurance, business continuity cover, and business loan 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


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