Mortgage broker for Ealing

Yes. Count Ready is based in Chelmsford and supports Ealing enquiries by phone and online. Begin with the form, a call or a callback request. We do not have an Ealing branch. If you would prefer to meet, ask whether a face-to-face appointment is possible and confirm the arrangements before travelling.

Explain whether you are buying, moving, reviewing a mortgage or planning a rental. Give approximate figures for the price, deposit or equity and the borrowing you are considering. Describe each applicant’s income and commitments, any relevant credit or residence questions and the dates involved. Agree a secure document route before sending detailed financial records.

Ealing Council warns that its online planning history is incomplete and directs buyers to a formal land charge search for complete planning-history information. Discuss the searches and any missing decisions with your conveyancer. Tell them about extensions, conversions and previous uses. An empty search result does not prove that work was approved or that no work took place.

Use the council’s postcode checker and current licence guidance for the address and proposed occupation. Selective licensing covers specified areas; mandatory and additional HMO rules depend on the property and households. Certain converted buildings also need separate consideration. The council lists selective designations from April 2022 and January 2023 using earlier ward boundaries, so a current ward name alone may be insufficient.

Ealing says older licences may not appear on its newer register because its software changed. The council points users to its separate licensing module for those records. Follow the council’s register guidance or ask its licensing team about the address. A missing entry should not be treated as proof that the property has no licence.

No. Ealing’s small-HMO guidance treats planning permission and licensing separately. It records different Article 4 arrangements for Perivale and the rest of the borough, with the OPDC area subject to separate directions. Check the actual address, existing lawful use and proposed change with the relevant planning authority. A licence does not establish mortgage eligibility or the suitability of insurance.

Yes. Explain how you earn, the records available and any recent changes. For credit concerns, include the dates, amounts and whether the matter is resolved. Where residence permission is relevant, give its type and dates. The full circumstances and current lender criteria determine the assessment; starting an enquiry does not guarantee acceptance or a particular rate.

Ask for the lease term, rent where applicable, service charges, block insurance and information about major works. Your conveyancer should explain obligations, restrictions and consents. For shared ownership, use the provider’s actual share, rent and lease terms in your budget. Raise construction and condition questions with your surveyor and adviser as well as the legal work.

Bring the current balance, payment, rate, remaining term, deal end date and any early repayment charges. Include other secured borrowing and any equity loan. Explain extra borrowing, applicant changes or a proposed sale and purchase. Compare fees, payments and the remaining balance over a common period, including what happens after the initial deal ends.

Read the Terms of Business and the current fee disclosure in the footer. Agree the service, written fees, payment stages, commission and refund terms before chargeable work. For insurance, describe existing cover, dependants, sick pay and how the property will be used. Consider the benefits, limits and exclusions of any proposal; an enquiry does not put cover in place.