Welcome to Active Mortgages – your reliable Chelmsford mortgage broker offering professional, personable service for all your mortgage needs. We’re proud to be based in the heart of Essex’s only city, providing inclusive support to every type of client.
Whether you’re buying your first home, moving to a bigger place, remortgaging your current property, or seeking a mortgage with a complex income, our Chelmsford team is here to guide you. Active Mortgages is known for helping self-employed individuals, business owners and investors successfully secure mortgages , and we bring that same expertise to first-time buyers, families, and anyone looking for mortgages in Chelmsford. Our mission is simple: to make your mortgage journey smooth, transparent, and tailored to your life.
As a long-standing mortgage advisor in Chelmsford, we have deep insight into the local market and community. Chelmsford offers a vibrant city centre with shopping and dining, balanced by peaceful suburbs and villages on its outskirts. The city’s excellent schools and quick 34-minute train link to London make it a highly desirable place to live. In recent years, hundreds of new homes have sprung up here,
providing opportunities for buyers but also competition. We keep a close eye on these trends so we can better advise you.
For example, first-time buyers in Chelmsford pay around £307,000 on average for a starter home – a significant investment that benefits from careful financial planning. When you work with Active Mortgages, you get local knowledge on your side. We understand Chelmsford’s neighbourhoods (from Springfield and Chelmer Village to Great Baddow and Writtle) and what local lenders expect. This community understanding allows us to match you with the right mortgage options and navigate any regional challenges with ease.
Our office is in Essex and our advisors know Chelmsford well. At the same time, we’re an independent broker with whole-of-market access, meaning we can source mortgage deals from a wide range of lenders across the UK. You get the best of both worlds: locally informed advice and expansive choice.
We specialize in mortgages that require extra know-how. Selfemployed or income from multiple sources? We’re adept at handling that. We’ve helped company directors, freelancers, and contractors in Chelmsford get mortgage offers where mainstream banks struggled, by presenting their finances in the best light.
Navigating mortgages can be complicated, but we strive to make it simple. From your first inquiry to the final offer, we explain each step in plain English. Our Chelmsford mortgage advisors are approachable and patient – ask us anything! We believe informed clients make the best decisions, so we ensure you’re never left in the dark.
We know life is busy. Our team works around your schedule with flexible appointment times (including evenings or weekend calls) to fit your life. We also handle the paperwork and lender communications diligently, which means fewer hassles and a quicker path to approval for you. Our goal is to save you time, stress, and money.
Chelmsford has a thriving business community, and many of our clients are entrepreneurs, contractors, or professionals with non-traditional income. At Active Mortgages, we’ve made it our specialty to assist clients with complex income streams . We understand the hurdles self-employed applicants face – from
needing two years of accounts to lenders scrutinizing your expenses – and we know how to navigate them. When you come to us, we’ll review your situation in detail: Are you a sole trader, a limited company director, or a partner in a firm? Do you draw salary and dividends, or have seasonal income? Using this information, we identify which lenders are most likely to approve your profile and secure competitive rates.
Our team has success stories ranging from helping a freelancer secure their first home loan, to obtaining a mortgage for a company director who had been declined elsewhere. The key is our detailed understanding of lending criteria and persistence in finding the right solution. So if you’re self-employed or have a complex case, let us do the hard work – you might be pleasantly surprised at the mortgage options available for you in Chelmsford.
No matter what stage of the property journey you’re in, our Chelmsford mortgage advisor team is equipped to help. We offer guidance and brokerage services for:
Buying your first home in Chelmsford is a big step, but you don’t have to do it alone.
We’ll help you determine how much you can afford, get you pre-approved (Agreement in Principle), and find first-time buyer mortgage deals that suit your budget. From explaining the Help to Buy ISA or other schemes, to liaising with solicitors and estate agents, we make sure your first purchase goes smoothly.
Outgrown your current home or relocating to Chelmsford? We assist home movers in securing the right mortgage for the next chapter. Our advisors can help you decide whether to port your existing mortgage or switch to a new lender.
We’ll coordinate timings so that selling your old home and buying the new one line up as stress-free as possible. With Chelmsford’s property values changing, we also ensure you understand how much you can borrow towards your upgrade or downsize.
If you already own a property in the Chelmsford area, it’s wise to review your mortgage every few years. We offer free remortgage reviews to see if you could save money with a better rate or release equity for other goals (like home improvements or paying off debts). With interest rates and deals always evolving, our team will compare your current deal against the market.
For those investing in Chelmsford’s rental market, or even looking at student buy-to-lets near the university, we provide expert buy-to-let mortgage advice.
We’ll discuss your investment goals, expected rent yields, and financing options. Buy-to-let mortgages have special requirements (like rental income coverage and often larger deposits), and we’ll guide you through them. Our goal is to help you maximize returns on your investment property while ensuring you borrow in a sustainable way.
Nothing speaks louder than the words of happy clients. Here are a couple of testimonials from people we’ve helped in Chelmsford:
Active Mortgages was a lifesaver. I’m a freelance graphic designer, and when I decided to buy an apartment in Chelmsford, I wasn’t sure any bank would understand my income.
The team at Active Mortgages knew exactly what to do. They gathered my paperwork, found a lender who welcomes selfemployed applicants, and got my mortgage approved quickly.
I felt supported at every step. I’m now a proud homeowner, thanks to their hard work.
James, Chelmsford
Excellent service and great results! We contacted Active Mortgages to help remortgage our Chelmsford home. Not only did they find us a lower interest rate, but they also made the whole process easy.
Our advisor walked us through the application and handled everything with the lender. We managed to free up some equity for our home extension and still reduced our monthly payments.
We recommend Active Mortgages to anyone looking for a Chelmsford mortgage broker who truly cares.
Claire & Tom, Chelmsford
These are just a couple of examples of the many families and individuals we’ve assisted in reaching their homeownership and financial goals. We’d love for you to be our next success story.
Embarking on a mortgage journey is easier with a dedicated expert by your side. To get started, simply request a callback from our Chelmsford team today. One of our friendly mortgage advisors will get back to you quickly to discuss your needs, answer your questions, and set up a free consultation. There’s no pressure and no obligation – just honest guidance to help you make an informed decision.
At Active Mortgages, we combine local Chelmsford market knowledge with nationwide expertise to deliver a service that’s second to none. Let us handle the legwork of finding and securing the right mortgage, so you can focus on the excitement of moving into your new home or achieving that financial milestone.
Contact us now, and take the first step toward a brighter future with an Active Mortgages specialist by your side.
Our mortgage range
Our brochure will help you arrange finances without being distracted from your life or business.
This mortgage guide for self-employed individuals is available on Paperback, and you can grab it here for FREE.
(The audio and Kindle are not free)
Don’t fall foul of the most common mistakes that we have seen with mortgages.
Book a call with one of our team to talk about your requirements.