Business Details
11 Years
experience
Your Trusted Mortgage Brokers in Chelmsford
Founded in 2015, Simply Lending began with a vision to provide expert mortgage advice alongside exceptional service. Our team has grown to over 70 members while maintaining our commitment to assisting clients with complex financial situations. We specialise in arranging mortgages for non-traditional circumstances including self-employment, contract work, and adverse credit histories. Our advisers maintain daily relationships with key lenders, ensuring up-to-date knowledge of criteria and processes. As an FCA-authorised firm (Financial Services Register No: 745164), we adhere to strict regulatory standards and maintain professional indemnity insurance for client protection. Our 3,260+ five-star reviews and 1.5 billion in successfully arranged mortgages demonstrate our ability to deliver tailored solutions.With advisers available until 9 pm and a streamlined application process, we simplify what can often be a complex journey. Our Essex-based team combines technical expertise with a personal approach to ensure clients receive appropriate advice and competitive deals.
Services
Self-Employed Mortgages
Bad Credit Mortgages
Buy-to-Let Mortgages
Remortgaging Services
First-Time Buyer Mortgages
Second Charge Mortgages
Right to Buy Mortgages
Shared Ownership Mortgages
Details
- Year established: 2015
Highlights and features
- We specialise in complex mortgage cases with over 1.5 billion successfully arranged
- Our FCA authorisation ensures strict regulatory compliance and client protection
- Advisers available until 9pm for flexible customer support
- Established relationships with specialist lenders and high street banks
- Over 3,260 five-star reviews from satisfied clients
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Exceptional service
Helped with complex case
Knowledgeable advisers
Smooth process
Competitive rates
Services
Self-Employed Mortgages
Specialist mortgage solutions for self-employed individuals and contractors. We assess income through SA302 forms and bank statements to secure competitive rates. Our advisers work with lenders understanding non-traditional income structures. With access to exclusive products, we help clients maximise borrowing potential while navigating complex financial documentation.
Buy-to-Let Mortgages
Tailored financing for property investors. We evaluate rental income projections against lender criteria to secure appropriate loan-to-value rates. Our expertise covers portfolio mortgages and limited company buy-to-let structures. With relationships across specialist buy-to-let lenders, we provide competitive terms considering deposit requirements and income validation processes.
Remortgaging Services
Expert guidance through mortgage switching to secure better rates or release equity. We assess early repayment charges and advising on optimal exit timing. Our team compares products including flexible payment options and cashback incentives. We facilitate seamless transitions between lenders while ensuring compliance with current mortgage regulations.
Bad Credit Mortgages
Specialist support for clients with previous financial difficulties. We work with lenders considering individual circumstances beyond credit scores. Our approach involves assessing affordability through detailed income analysis. We access exclusive products with appropriate rate structures while ensuring responsible lending practices and commitment to financial rehabilitation.
First-Time Buyer Mortgages
Dedicated support for initial property purchases. We explain Help-to-Buy schemes and low deposit options including 95% LTV mortgages. Our advisers identify cashback incentives and first-time buyer grants. We simplify the application process while ensuring clients understand long-term commitments and associated costs.
People
Adam Hinder
Chief Executive Officer
Leading Simply Lending with strategic vision, Adam has over 15 years' experience in mortgage brokering. He focuses on expanding our specialist lender network while maintaining our client-first ethos. His leadership has driven our growth to 70+ team members.
Liam Atkins
Chief Compliance Officer
Liam oversees regulatory compliance and risk management, ensuring adherence to FCA standards. With a legal background in financial services, he maintains our professional indemnity insurance framework and develops policies protecting client interests throughout the mortgage process.
David White
Chief Operations Officer
David manages day-to-day operations across our three UK offices. He optimises workflow efficiency while maintaining service quality standards. His 12 years in mortgage administration ensures smooth processing of the 1.5 billion mortgage portfolio we've arranged.
Rachel Le Chevalier
Executive Assistant
Supporting senior management with operational coordination, Rachel ensures seamless communication between departments. Her organisational expertise contributes to maintaining our 9pm advisory service availability and efficient case management processes for complex mortgage applications.
Robert Wells
Head of Customer Retention
Robert develops client retention strategies and oversees post-sales support. He ensures consistent service quality across our 70+ advisers, maintaining the excellent service that contributed to our 3,260 five-star reviews and high customer satisfaction ratings.
Questions
What types of specialist mortgages do you offer?
We specialise in self-employed, bad credit, buy-to-let, and remortgage solutions. Our advisers access exclusive lender products to address complex financial circumstances.
Are your mortgage services regulated?
Yes, we are regulated by the Financial Conduct Authority (FCA) under registration number 745164, ensuring compliance with industry standards and client protection.
How does the mortgage application process work?
Contact us for a consultation, receive tailored options with no upfront fees, then our team handles your application with transparent communication throughout the approval process.
Can you help with first-time buyer mortgages?
Yes, we assist first-time buyers with low deposit options, Help-to-Buy schemes, and cashback incentives through our network of specialist lenders and high street banks.
What are your office locations?
We operate from Barn 12, Runwell Hall Farm (Chelmsford), 7 The Vineyards (Great Baddow), and Silkwood Park (Wakefield) locations across the UK.
