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Independent Mortgage Broker · Essex

Mortgage broker Essex

Independent mortgage advice for buyers and investors across all of Essex, including Chelmsford, Brentwood, Basildon, Colchester, Southend-on-Sea and beyond. We search 90+ lenders to find the right rate for you. FCA regulated. No upfront fees.

90+ lendersNo upfront feesFCA regulated5.0% avg BTL yieldCM / SS / CO postcodes
Call 0844 884 9748
Step 1 of 3Type Selection

What type of mortgage do you need?

Select the option that best describes your property financing requirement. Our brokers specialise in complex London and international structures.

Roger Cooper

"Our goal is to understand your unique situation. Select a category and we'll match you with the right product and lender."

— Roger Cooper, Senior Mortgage Adviser

Areas we cover in Essex

We cover every corner of Essex, from the Elizabeth line commuter belt to the Essex coast. Click your area for local market information.

Chelmsford
CM1/CM2
City centre, fast trains to Liverpool Street in 35 mins
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Brentwood
CM13/CM14
Elizabeth line, Liverpool Street in under 30 mins
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Basildon
SS13/SS14
c2c to Fenchurch Street in 35 mins, affordable entry
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Colchester
CO1/CO2
Fastest growing city in the UK, strong rental market
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Southend-on-Sea
SS1/SS2
Coastal living, c2c to Fenchurch St in ~55 mins
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Billericay
CM11/CM12
Sought-after family town, excellent schools
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Why buy in Essex?

Essex offers outstanding value for London commuters. Average prices around £390,000 buy a three or four-bedroom family home with a garden. The same budget in east London might secure a one-bedroom flat.

Commute times are comparable to many inner London zones. Brentwood on the Elizabeth line reaches Liverpool Street in under 30 minutes and Canary Wharf in around 40. Chelmsford reaches Liverpool Street in 35 minutes. The c2c line from Basildon and Southend is one of the most punctual commuter services in the country.

Buy-to-let investors benefit from gross yields of around 5.0%, significantly higher than equivalent London postcodes, driven by strong commuter tenant demand and lower purchase prices.

Essex property snapshot
Average price£390,000
10% deposit needed£39,000
Avg BTL yield5.0%
Stamp duty (FTB, £390k)£4,500
Commute to Liverpool St30–55 mins
PostcodesCM / SS / CO / RM / IG / EN
Why use Mortgage International?
  • 90+ lenders searched for you
  • No upfront broker fees
  • AIP typically same day
  • FCA regulated (ref 478810)
  • Complex cases welcome: self-employed, contractors, bad credit

Essex mortgage FAQs

Do you offer mortgage advice across Essex?
Yes, we provide independent mortgage advice to clients throughout Essex, including Chelmsford, Brentwood, Basildon, Colchester, Southend-on-Sea, Billericay, Romford, Grays, Harlow, and all surrounding areas. All advice is given by phone or video call with no need to travel. We can meet in person at our Regent Street office if you prefer.
How fast is the c2c train from Basildon or Southend to London?
c2c from Basildon reaches London Fenchurch Street in approximately 35 minutes, and fast services from Southend Central arrive in around 55 minutes. c2c is one of the most punctual commuter lines in the UK. Brentwood on the Elizabeth line is even faster: Liverpool Street in under 30 minutes and Canary Wharf in around 40 minutes. Greater Anglia from Chelmsford reaches Liverpool Street in 35 minutes.
What is the typical property entry price in Essex?
Average property prices in Essex are around £390,000, though there is significant variation. Brentwood and Chelmsford command higher prices (£450,000–£600,000+), while Basildon, Colchester, and Southend-on-Sea offer more accessible entry points from around £250,000. Essex represents outstanding value compared to equivalent east and north-east London postcodes, and the commute times are often the same or faster.
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 typically secure a three or four-bedroom family home with a garden, comparable only to the very outermost London boroughs.
Is Chelmsford a good area for London buyers moving out of the capital?
Chelmsford is consistently 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. The 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. Buy to let investors also benefit from strong tenant demand from commuters.
Can you help self-employed buyers in Essex?
Absolutely. Self-employed clients, limited company directors, and contractors are among our most common enquiries. We know which lenders assess income using net profit, salary plus dividends, or day-rate annualisation, and we match you to the right one for your circumstances. We work with 90+ lenders, including specialists who are more flexible on self-employed income across all Essex postcodes.
What buy-to-let yields can I expect in Essex?
Average gross buy-to-let yields in Essex run at approximately 5.0%, with higher returns available in Southend-on-Sea, Basildon, and Colchester where purchase prices are lower. Brentwood and Chelmsford typically yield around 4–4.5% but attract higher-quality long-term tenants. We work with the whole BTL mortgage market to find the most competitive rates for your Essex investment property.

Mortgage services in Essex

First Time Buyer MortgagesRemortgage EssexBuy to Let MortgagesBridging LoansFree Conveyancing QuoteMortgage ProtectionAgreement in PrincipleCommercial Mortgages

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FCA regulated advice. 90+ lenders. No upfront fees. Agreement in Principle typically same day.

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