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Mortgage Advice in Essex.
It’s completely free to chat with a mortgage broker in Essex, so don’t wait, let’s get your mortgage journey underway today.
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Access to the whole of market
The Process
Let’s sit down over a coffee and learn more about you, your goals, your circumstances, and what matters most. You talk, we’ll listen.
We’ll work with you to find a mortgage that’s perfectly suited to your needs, offering the most appropriate options for you and your family.
Once we’ve collected all the required information, we’ll begin your application and keep you informed every step of the way.
Advice That Puts You First
At Virtue Mortgage Group, we take the time to truly understand your unique circumstances, goals, and financial situation. You won’t find any generic solutions here, just honest, tailored advice designed to help you make confident, informed decisions.
Access to a Wide Range of Lenders
As independent mortgage brokers, we’re not tied to any one lender. That means we can search the whole market to find the most suitable deals that suit your specific needs.
Support Every Step of the Way
From your first enquiry to the moment you get the keys, and beyond, we’re by your side. We handle all the paperwork, liaise with lenders, and keep you updated throughout, making the process as smooth and stress-free as possible.
Mortgage Calculator
The figures provided by this calculator are for illustration purposes only. To obtain an accurate figure based on your personal situation and circumstances, please obtain a personalised mortgage illustration.
Services
How Can We Help?
First Time Buyer
Specialist mortgage advice designed for first-time buyers, helping you explore your options, secure the most suitable deals, and supporting you every step of the way through the homebuying journey with confidence.
Remortgaging
Straightforward, personalised remortgage advice to help you secure better rates, lower your monthly payments, or release equity, ensuring your mortgage remains aligned with your needs and financial ambitions.
Buy To Let
Expert buy-to-let mortgage guidance to help you find the ideal deal for your investment property, whether you're just starting out as a landlord or growing your existing portfolio
Homemover
Expert mortgage advice for home movers, helping you navigate your next purchase smoothly, whether you're upsizing, downsizing, or relocating, with tailored support to find the right deal for your new home.
Bad Credit?
Compassionate and customised mortgage advice for individuals with poor credit, assisting you in identifying suitable lenders and exploring options to either step onto the property ladder or remortgage with assurance.
Ltd Company
A Limited Company buy-to-let mortgage is designed for landlords who purchase rental properties through a limited company, often referred to as a Special Purpose Vehicle (SPV).
Frequently Asked Questions
How much can I borrow on a mortgage?
The amount you can borrow typically depends on your income, outgoings, credit history, and the lender’s affordability criteria. A mortgage adviser can help assess your situation and provide tailored options.
What’s the difference between fixed and variable rate mortgages?
A fixed-rate mortgage keeps your interest rate the same for a set period, offering stability. A variable rate mortgage can go up or down depending on market conditions, which may affect your monthly payments.
How much deposit do I need?
Most lenders require a minimum deposit of 5–10%, but the more you can put down, the better the interest rates you’ll usually be offered.
What fees are involved in getting a mortgage?
Fees can include arrangement fees, valuation fees, solicitor costs, and sometimes broker fees. Your adviser will break down all the costs upfront so there are no surprises.
Can I get a mortgage with bad credit?
Yes, some lenders specialise in adverse credit mortgages. A mortgage adviser can help you explore your options and find a suitable lender.
How long does the mortgage application process take?
On average, it takes 1-2 weeks from application to mortgage offer, though this can vary depending on the lender and your circumstances.
Do I need to use a mortgage broker?
While not essential, using a broker can save you time and money. They can access a wide range of lenders and help you find the most competitive deal.
Should I get an Agreement in Principle (AIP) before house hunting?
Yes, an AIP shows sellers you’re a serious buyer and gives you a clear idea of how much you can borrow before making an offer.