Mortgage broker for Romford

Count Ready is based in Chelmsford and handles Romford enquiries by phone and online. There is no Romford branch. You can start with the enquiry form, call or request a callback. Face-to-face appointments may be possible in some circumstances; agree the location and availability before travelling.

Explain what you want to buy or change, who is applying and your intended timing. Prepare approximate income, deposit and commitments, including where the deposit comes from. Include your comfortable monthly budget and any property questions. Agree the evidence needed for your circumstances before sending detailed documents through the secure route provided.

Request the lease term, service charges, ground rent, planned major works and insurance details. Ask your conveyancer to explain restrictions and obligations. Raise building condition, construction and safety questions early. The lender considers the property as well as your finances; neither the asking price nor an agreement in principle establishes that a particular flat will be accepted.

Havering says its planning application search contains information from 1990, with copies of documents for applications received since January 2003. Use the dedicated planning search rather than the main council website search. If a document is missing or cannot be viewed, ask your conveyancer what evidence is required and how to obtain it.

Havering’s current selective scheme covers seven wards, while its additional HMO scheme covers all borough wards. Both started on 18 March 2026. Check the actual address, occupation, scheme details and exemptions with the council. Mandatory HMO licensing and planning requirements also need consideration. A licence does not establish mortgage eligibility or insurance cover.

Yes. Explain how each applicant earns, the business structure or contract arrangements and any recent changes. Tell us which records are available, including salary, dividends or business income where relevant. The evidence requested and potential mortgage options depend on the whole case and current lender criteria; there is no single accounts rule for every enquiry.

Raise these details at the start. Explain residence permission and relevant dates, or the dates, amounts and status of credit events. These are considered alongside income, commitments, deposit and the property. Discuss the appropriate preparation before applications are made. An enquiry cannot guarantee acceptance, a rate or a particular mortgage.

Prepare the current balance, rate, payment, remaining term, deal end date and early repayment charges. Explain other loans secured on the property, changes to applicants and any extra borrowing. For a move, include the sale and purchase dates and expected equity. Compare the total proposal over the same period, including costs and the remaining debt.

Read Count Ready’s Terms of Business and the fee disclosure in the page footer. Confirm the written fees, when they become payable, commission and refund terms for your case before chargeable work. Ask what mortgage products the advice covers and include lender, legal and other transaction costs when reviewing the proposal.

For shared ownership, provide the share, rent, charges and lease. Help to Buy: Equity Loan in England is closed to new applications; tell us about an existing loan when discussing a sale or mortgage change. Insurance discussions should cover household needs, existing policies and property use. Cover, benefits and exclusions depend on the policy.