Home Counties • Independent Mortgage Broker

Mortgage brokerin Essex

Essex offers excellent value for London commuters, with fast c2c and Greater Anglia trains making it one of the most accessible counties for buyers stepping out of the capital.

£390,000
Average property price
£39,000
Typical 10% deposit
Whole of marketFCA regulatedSame-day AIPNo upfront fees
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The Essex property market

Average prices around £390,000 represent outstanding value compared to east and north-east London. Brentwood and Chelmsford are the most popular commuter towns, while Colchester and Southend offer more affordable options with strong local amenities.

This area is particularly popular with: London commuters, buyers relocating from east London, families, and first time buyers.

Transport links

c2c trains, Greater Anglia — London Liverpool Street from 30 mins

Commute to London: 30–75 mins to London Liverpool Street

Key towns in Essex

Brentwood
Chelmsford
Basildon
Colchester
Southend-on-Sea

Why choose Mortgage International?

Access to 90+ lenders including exclusive rates
Expert local knowledge across Essex
Whole of market — not tied to any bank
Response within 2 hours, same-day AIP available
FCA regulated (Ref: 478810)

Our services in Essex

We cover the full range of mortgage and protection needs.

First Time Buyer Mortgages

Get on the ladder with expert help.

Remortgage

Find a better deal when your term ends.

Buy to Let

Specialist landlord mortgage advice.

Commercial Mortgages

Finance for business property.

Bridging Loans

Fast short-term property finance.

Protection Insurance

Protect your home and family.

Mortgage FAQs for Essex

How fast is the c2c train from Basildon or Southend to London Fenchurch Street?
c2c from Basildon reaches London Fenchurch Street in approximately 35 minutes, and fast services from Southend Central can arrive in around 55 minutes. The c2c line is one of the most punctual and frequent commuter services in the UK, making south Essex particularly popular with City workers. Brentwood on the Elizabeth line is even faster — reaching Liverpool Street in under 30 minutes and Canary Wharf in around 40 minutes.
What stamp duty does a first time buyer pay on a £390,000 home in Essex?
A first time buyer at £390,000 pays 0% on the first £300,000 and 5% on £90,000 — a total of £4,500. This low stamp duty bill, combined with Essex's lower prices than most of Greater London, makes the county an excellent value proposition. A £390,000 budget in Essex can secure a three or four-bedroom family home with a garden — comparable only to the very outermost London boroughs.
Is Chelmsford a good commuter town for London buyers moving out of the capital?
Chelmsford is one of the most popular relocations for buyers moving out of east and north-east London. Greater Anglia trains reach Liverpool Street in around 35 minutes, and Chelmsford's city centre, excellent schools, and mix of property types from Victorian terraces to modern new builds attract a wide range of buyers. Average prices are well below London equivalents while offering significantly more space, and the buy to let market has strong tenant demand from commuters.

Get expert mortgage advice in Essex

Free, no-obligation quote. We respond within 2 hours and serve the whole of Essex.

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Mortgage International is an appointed representative of The Right Mortgage Limited, authorised and regulated by the FCA (Ref: 478810).