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Are you searching for mortgage brokers in Chelmsford or perhaps typing “mortgage broker near me” into Google right now? You’ve just found the right place! At Count Ready, we’re proud to be one of Chelmsford’s most trusted and experienced mortgage brokers, helping people across Essex secure the right mortgage, at the right rate, with the right lender.
Whether you’re a first-time buyer, moving home, remortgaging, or investing in buy-to-let properties, our expert team of mortgage advisers in Chelmsford are here to make the process simple, stress-free and completely transparent.
We combine friendly local service with access to the whole of the mortgage market, ensuring you always get professional advice tailored to your personal circumstances.
When you’re looking for a mortgage broker near me, it’s not just about convenience – it’s about finding someone who genuinely understands your area and your goals. Chelmsford is a fantastic place to live and invest, known for its quick commute to London, excellent schools, and vibrant community spirit. Property here moves fast, so having a local mortgage expert on your side makes all the difference.
Our Chelmsford-based team know the local property market inside out. We understand how lender valuations can differ between Springfield, Great Baddow and Writtle. We know what’s selling quickly, what deposit sizes are realistic, and which lenders are most flexible for buyers in this region.
With us, you’ll get advice that’s both local and personal — not a one-size-fits-all online solution.
At Count Ready, we provide clear, honest and straightforward mortgage advice for every type of borrower. Here’s a breakdown of our core services:
Buying your first home is exciting but often overwhelming. We’ll guide you from start to finish — working out how much you can borrow, helping you get an Agreement in Principle, and finding the most suitable lender for your needs.
With access to over 100 lenders, including banks, building societies and specialist providers, we’ll make sure your first home starts on solid financial ground.
If your current deal is ending or you’re keen to lower your monthly payments, remortgaging could save you money. We’ll compare the market, review your goals, and help you switch to a deal that better suits your lifestyle — whether that’s fixing your rate, shortening your term or releasing equity for home improvements.
Planning your next move? Whether you’re upsizing, downsizing or relocating within Chelmsford, we’ll handle everything from lender comparisons to liaising with solicitors. You focus on your move; we’ll take care of your mortgage.
Chelmsford and Essex offer strong rental demand and promising yields. If you’re investing in property, we’ll help you navigate the different lending criteria for landlords and secure a buy-to-let mortgage that works for your goals — whether personal or via a limited company.
Thinking bigger? Our commercial mortgage service supports business owners, investors and developers looking to finance offices, shops, warehouses, or mixed-use properties.
We work with specialist lenders who understand the commercial market and can offer flexible terms for both owner-occupied and investment properties.
Whether you’re buying your first business premises or expanding your property portfolio, we’ll provide tailored commercial finance solutions that make financial sense.
If you’ve had financial difficulties in the past — missed payments, defaults, CCJs or previous mortgage arrears — don’t worry. You’re not alone, and it’s still possible to secure a mortgage.
We specialise in bad credit mortgages, working with lenders who take a more flexible, understanding approach to your financial history. Our team will assess your circumstances carefully, explain your options clearly and help you get back on the property ladder with confidence.
Being self-employed shouldn’t stop you from owning your dream home. Whether you’re a sole trader, contractor, freelancer or company director, we’ll find lenders who assess income more flexibly. We understand how to present your accounts properly to ensure your application stands the best chance of success.
We care about protecting what matters most. That’s why we offer a range of protection products, including life insurance, critical illness cover, income protection and home insurance. We’ll make sure you and your family are financially secure if life takes an unexpected turn.
There are plenty of mortgage brokers in Chelmsford, but here’s why our clients choose us again and again:
We’re mortgage advisers, not tied to any particular bank or lender. That means we can compare hundreds of mortgage deals across the market to find the one that fits your life and budget.
As your local mortgage broker in Chelmsford, we don’t just understand interest rates – we understand the area. From Broomfield and Galleywood to Great Baddow and Writtle, we’ve helped homeowners all over Chelmsford secure their dream homes.
You’ll never be treated like a number. We take time to get to know you, your goals and your financial situation. Our team believes in friendly, down-to-earth advice without jargon.
No hidden fees. No confusing terms. No pushy sales. Just open, honest guidance from start to finish.
We don’t just find your mortgage – we handle everything for you. We’ll help with applications, chase paperwork, liaise with solicitors and estate agents, and keep you updated every step of the way.
We’ve designed our process to be straightforward, stress-free and fully transparent.
We’ll start with a friendly chat to understand your needs, budget and goals. Whether it’s face-to-face at our Chelmsford office or over a quick video call, we’ll make sure you feel comfortable and informed from the start.
We search the whole of the mortgage market, comparing rates, fees, criteria and lender policies. We’ll then present you with your best options and explain each one clearly so you can make an informed choice.
Once you’re happy with a lender, we’ll secure an Agreement in Principle – a vital document showing sellers and estate agents that you’re a serious buyer.
We’ll prepare and submit your full application, managing all communication with your chosen lender. You won’t have to spend hours on hold or chase updates – we’ll do that for you.
After your mortgage offer is issued, we’ll coordinate with your solicitor and guide you right through to completion day. Then, it’s time to collect the keys to your new home!
We’ll guide you all the way.
Get me a mortgageChoosing a broker over going straight to a bank brings many benefits:
So if you’ve been declined by your bank or want to know if you could save money on your current mortgage, we’re here to help.
We’re proud to be based right here in Chelmsford, Essex, serving homeowners and buyers in:
Postcodes:
Our team combines local insight with nationwide reach, giving you the best of both worlds: the personal touch of a local firm and the power of access to national lenders.
Get professional mortgage advice from our experts in Chelmsford.
To ensure you get the best deal and service, tick off these items before committing:
If you’re looking for a mortgage broker in Chelmsford or you’ve been searching for “mortgage broker near me”, it’s time to talk to the experts who truly care. At Count Ready, we’ll take the time to understand your situation, explore every option, and find you the best mortgage deal possible.
Whether you’re buying your first home, moving house, or simply reviewing your current deal, we’d love to help.
Call us today or Email us to arrange your free initial consultation.
Your mortgage journey starts right here — local, personal, and always in your best interest.
Count Ready – Trusted Mortgage Brokers in Chelmsford, local expertise, and honest guidance every step of the way.
Speak with our friendly Chelmsford team today – we’ll do the hard work for you!
Get me a mortgageA local mortgage broker in Chelmsford specialises in analysing your financial situation (income, deposit, credit history, property value), then searches across many lenders (including specialist ones) to find a mortgage which suits you rather than one size fits all. They handle much of the paperwork, liaise with solicitors/conveyancers, and keep you informed throughout the process. This service can be especially valuable if you live in or around Chelmsford and want someone who understands the local market.
Costs vary. Some brokers charge no upfront fee and are paid via commission from the lender (you should always check how they’re paid). Others may charge an advisory fee or a percentage of the loan. A reputable broker will explain their fee structure clearly and whether you will pay anything directly. (Always ask: “What will your fee be and when is it payable?”)
The right time is before you offer on a property or move too far down the line. Contacting a broker early (when you’re thinking of moving or remortgaging) gives them time to review your finances, advise on the deposit needed, borrowing capacity and which lenders in Chelmsford/Essex may be suitable. This early engagement gives you more control and more options.
Yes — they’re quite important. A broker who works in Chelmsford knows local property values, lender appetite in that region, deposit norms in suburbs like Great Baddow, Broomfield or Writtle, and typical issues with valuations, conveyancing delays or local schools/transport links that may affect lender decisions. That local insight can make the difference in securing a suitable mortgage.
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To your first consultation (often free) you should bring or prepare: proof of identity, recent payslips or accounts if self-employed, bank statements showing savings/deposits, details of your outgoings and any debts, and a clear idea of the type of mortgage you’re looking for (first home, remortgage, buy-to-let). Being prepared helps the broker in Chelmsford give you a realistic borrowing estimate and identify appropriate lenders.
Processing times vary depending on your case complexity, property chain size and the lender involved. Generally, from full application to mortgage offer might take from 2 to 6 weeks, and completion will depend on legal/conveyancing work. A local broker will advise on timescales given the specific lenders and local conveyancers in Chelmsford/Essex.
While each lender has its own rules, many will expect a minimum deposit of around 5% to 10% for standard residential mortgages. Having a larger deposit (say 15% or more) often gives you access to better interest rates. A local broker will tell you how much deposit is realistic for the property type in Chelmsford and what you might expect from lenders in this region.
You should check whether the broker is authorised and regulated by the Financial Conduct Authority (FCA). This ensures they follow the required conduct rules, you have protection if something goes wrong, and they disclose fees clearly. Ask to see their FCA number and look them up on the FCA register. Also check local reviews and testimonials in Chelmsford to see how they’ve performed for other clients.
Yes — good brokers often offer ongoing support. After the mortgage is in place, they can alert you when your fixed rate period ends, recommend remortgage options, advise on releasing equity, or handle buy-to-let switches. Using a broker who knows the Chelmsford market means you’ll have a partner for both now and later on.
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