Active Mortgages is your go-to partner for all things mortgages in Essex. As an experienced Essex mortgage broker and advisor, we offer friendly, expert guidance to clients throughout the county.
Our team prides itself on a professional yet personable approach that makes every client feel valued – whether you’re a young family buying your first home, a seasoned homeowner looking to remortgage, a selfemployed entrepreneur with complex income, or an investor expanding your portfolio. We understand that the Essex property market is diverse and dynamic, and we’re here to help you navigate it with confidence.
Known for helping self-employed professionals, business owners and property investors secure tailored financing , Active Mortgages applies that same specialist know-how to every scenario. Our goal is simple: to find the ideal mortgage solution for you while making the process as smooth and stress-free as possible.
When you choose Active Mortgages, you’re working with advisors who truly understand Essex. From thriving towns like Chelmsford and Brentwood to coastal communities in Southend or Clacton, we have experience across the region. Essex has become a top choice for everyone from London commuters to lifelong locals, thanks to its mix of bustling high streets, charming villages, and green countryside.
Housing in our county remains in high demand – the average property price in Essex is around £400,000 (making it one of the priciest counties outside London). While you generally get more for your money here than in the capital (a detached London home is ~£940k, versus ~£475k in Essex ), buying a home in
Essex is still a big investment that benefits from careful planning. That’s where we come in. We stay on top of local market trends, whether it’s rising prices in commuter belt towns or new developments creating opportunities for first-time buyers. Our advisors also understand the practical details of the Essex market –
like which areas have high rental demand, or how coastal flood zones or historic properties might affect lender decisions. This local insight helps us give you advice that’s relevant and realistic. In short, we combine county-wide knowledge with individual attention, so you get the best advice no matter where in Essex you’re looking to call home.
We serve clients all across Essex. No matter if you’re in Basildon, Colchester, Harlow, or anywhere in between, our team is ready to help.
We’re accustomed to working remotely via phone and email as needed, but we also understand the nuances of each local area. This flexibility means you get convenient service and local savvy in one package.
Our brokerage has a strong reputation for handling cases that others find challenging . Complex income, multiple properties, unusual property types – we thrive on these scenarios.
Because we’ve cultivated relationships with a broad panel of lenders (including major banks and niche specialists), we can often secure mortgages in Essex that perfectly fit unique circumstances. When one lender says no, we look for alternatives until we find a yes.
We believe every client deserves a one-on-one approach. When you contact Active Mortgages, you’ll be paired with a dedicated advisor who will learn about your situation and goals. We’ll walk you through every step – from initial budgeting to final paperwork – with clear communication and genuine support.
Our advisors are friendly, patient, and truly care about getting the best outcome for you. We’re always just a phone call away for any questions or updates during the process.
Obtaining a mortgage involves many steps and parties – but we manage the coordination so you don’t have to. Our team will help you prepare a strong application, so lenders respond faster and with competitive offers.
We keep the process moving by following up proactively with lenders, surveyors, and solicitors. The result? You get to completion quicker, with far less hassle. We know timing can be critical (for example, locking in a rate or meeting a move-in deadline), and we work diligently to keep your mortgage timeline on track.
In a region as entrepreneurial as Essex, many clients come to us with incomes that aren’t straightforward. Perhaps you run a business in the county, are a contractor in the City, or earn significant bonuses or commission – traditional lenders might not always see your full financial picture. Active Mortgages has made it a priority to serve self-employed and high-net-worth individuals with tailored mortgage solutions. We take the time to analyze your income structure, whether it involves company profits, retained earnings, multiple revenue streams, or irregular payment schedules.
Then we match you with lenders that offer what are often called specialist mortgages – deals designed for those outside the standard 9-to-5 salaried mold. Our success stories include helping a business owner secure a large mortgage by using their company’s net profits in the affordability calculation, and assisting a client with complex income from investments to refinance their home at a great rate. The key is our in-depth knowledge of lending criteria and our refusal to give up. So if you’re worried that being self-employed or having unconventional finances will hold you back, let us reassure you. With Active Mortgages, you have an advocate who will present your case persuasively to the right lenders and work tirelessly to get you the approval you need.
Our comprehensive mortgage services cover every scenario. Whatever your property goal in Essex, we can assist:
Stepping onto the property ladder in Essex? We’re here to guide you. We help first-time buyers determine their budget, qualify for mortgages (including any available first-time buyer programs), and navigate the buying process from start to finish.
Essex offers various starter home options, including new builds and shared ownership schemes in some areas – we’ll explain the pros and cons of each financing route. By securing a mortgage in principle and educating you on all costs (deposit, stamp duty, solicitors, etc.), we set you up for success in purchasing your first home.
If you’re upsizing, downsizing, or relocating to another part of Essex, we make sure you get the right mortgage for your new chapter. Our team can assess how much you can borrow for your next home based on your current equity and income.
We’ll also help with porting your existing mortgage if it makes sense (to avoid penalties) or finding a new deal if that offers better value.
Essex is a large county, and moving from one area to another might mean a change in property prices or costs – we help you factor everything in so there are no surprises. From cottages in the countryside to modern flats in town, we’ve helped clients finance all types of Essex homes.
Many homeowners across Essex come to us to ensure they’re not overpaying on their mortgages. If your fixed rate is ending or you haven’t reviewed your mortgage in a while, let us compare the market for you.
Remortgaging could save you a significant amount each month or allow you to pull out equity for important expenses (like home improvements, education fees, or another property purchase).
We handle the remortgage process end-to-end – confirming your new rate, managing the application, and coordinating with your current lender and solicitor. You’ll have peace of mind that you’re always on the best deal available.
Essex presents a range of investment opportunities, from rental homes in university towns like Colchester, to commuter apartments in places like Shenfield, and even holiday lets along the coast.
As your mortgage broker, we help landlords and investors find the right financing for these ventures. We’ll advise on buy-to-let mortgage requirements, such as rental income projections and larger deposit needs, and search for competitive interest rates that maximize your investment return.
If you’re an experienced investor, we can also discuss portfolio refinancing or using advanced strategies like limited company buy-to-let loans. Our aim is to be your long-term partner as you build wealth through property in Essex.
Over the years, we’ve assisted clients all over Essex in achieving their property dreams. Here are a couple of stories that highlight what we do:
I finally own a home thanks to Active Mortgages! I was looking to buy in Colchester as a first-time buyer and felt overwhelmed.
Active Mortgages was recommended by a friend, and I’m so glad I contacted them. They held my hand through the entire process – from getting me pre-approved to securing a great fixedrate deal.
They even answered all my newbie questions about solicitors and surveys. Buying a house was far less stressful than I expected, and that’s entirely due to the team’s support and knowledge.
– Emma, Colchester
They succeeded where my bank failed. I run a small business in Southend, and my own bank wouldn’t approve my mortgage because my income wasn’t ‘traditional’.
A colleague suggested calling Active Mortgages. The difference was night and day. My advisor actually took the time to understand my business finances.
Within a couple of weeks, she found a lender willing to work with me and got my mortgage sorted for a lovely home near the seaside. I can’t thank Active Mortgages enough for their dedication – they truly are the Essex mortgage experts!
Mark, Southend-on-Sea
These success stories are just two among many. We love helping our clients overcome challenges and find the right mortgage – it’s what drives us every day. When you work with Active Mortgages, you’re not just getting a transaction; you’re getting a committed team that genuinely cares about your outcome.
Ready to move forward with your mortgage plans? Contact Active Mortgages today and let’s discuss how we can help. Simply request a callback and one of our expert Essex mortgage advisors will get back to you shortly to set up a free, no-obligation consultation. We’ll listen to your needs, answer your questions, and
outline the next steps to securing your ideal mortgage.
Don’t let uncertainty or paperwork hold you back from your property ambitions. With Active Mortgages by your side, you’ll have clarity, confidence, and a team of experts handling the details for you. Whether you’re buying, remortgaging, or investing in Essex, we are here to make it happen. Get in touch now – your
journey to an easier mortgage experience starts with a simple callback request.
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.
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.