Business Details
24 Years
experience
Your Trusted Independent Mortgage Advisers in Chelmsford
Established in 2002, Mortgage Business has built a reputation as a trusted independent mortgage advisory firm serving clients across Essex and beyond. Our team of CeMap-qualified professionals combines extensive industry knowledge with a client-centric approach, offering tailored solutions for homebuyers, first-time buyers, remortgaging clients, and property investors. As an FCA-authorised firm, we prioritise transparency, regulatory compliance, and ethical advice while maintaining access to the entire mortgage market.Our award-winning service is distinguished by dedicated consultants who provide continuous support throughout the mortgage lifecycle, from initial application to completion. With a focus on making complex processes accessible, we offer clear explanations of mortgage options alongside protection products like life cover and critical illness insurance. Our commitment to excellence is evidenced by consistently positive client testimonials and a 20-year track record of helping clients achieve their property goals.
Services
Homebuyers Mortgages
First Time Buyers
Remortgage Packages
Buy To Let Mortgages
Life Cover Insurance
Details
- Year established: 2002
Highlights and features
- Independent advisers with access to the entire mortgage market
- Award-winning team with 20+ years' combined industry experience
- Transparent fee structure with clear cost explanations
- Dedicated consultants providing end-to-end mortgage support
- Consistently positive client testimonials across multiple platforms
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Professional and reassuring
Kept us informed
Quick response times
Highly recommended
Services
Homebuyers Mortgages
Tailored mortgage solutions for home movers seeking to purchase larger properties. We specialise in assessing eligibility for mortgage portability, advising on new borrowing requirements, and securing competitive rates. Our service includes comprehensive market analysis, application support, and guidance on associated protection products. We assist clients in navigating changing financial circumstances while ensuring affordability and suitability.
First Time Buyers
Specialist advice for first-time property purchasers. We explain government schemes like Help to Buy and Shared Ownership, assess deposit requirements from 5%, and provide clear guidance on mortgage options. Our team simplifies complex processes, explains terminology in accessible terms, and helps clients understand long-term financial commitments while accessing exclusive market deals.
Remortgage Packages
Expert remortgaging services to help clients secure better rates or release equity. We evaluate existing mortgage terms, compare market alternatives, and advise on financial implications. Our support includes assessing break-even points, calculating potential savings, and facilitating smooth transitions between lenders while maintaining regulatory compliance throughout the process.
Buy To Let Mortgages
Comprehensive support for property investors seeking buy-to-let financing. We advise on portfolio management, assess rental income requirements, and explain tax-efficient structures like limited company purchases. Our services cover standard buy-to-let, portfolio landlords, and specialist HMO mortgages while providing market-wide comparisons to secure optimal investment returns.
Life Cover Insurance
Independent advice on life insurance and critical illness cover. We assess individual needs, compare market providers, and recommend appropriate coverage levels. Our service includes term life insurance, critical illness protection, and income replacement policies to safeguard clients' financial futures while ensuring value for money through competitive premium comparisons.
People
Fiona Dodwell
Client Support Manager
CeMap qualified professional with extensive client support experience. Specialises in ensuring smooth application processes and maintaining high service standards. Known for exceptional organisational skills and commitment to client satisfaction.
Richard Hellery
Mortgage Adviser
BA(Hons) graduate and CeMap qualified adviser with specialist expertise in complex mortgage cases. Brings football coaching experience to client relationship management. Recognised for thorough market analysis and personalised solution development.
Laura Campen
Assistant Client Support Manager
CeMap qualified support specialist with a focus on simplifying mortgage processes for clients. Combines technical knowledge with approachable communication style. Recognised for exceptional client feedback and problem-solving capabilities.
David Oastler
Director
Experienced director with dual qualifications in financial planning. Specialises in strategic mortgage solutions and team leadership. Maintains industry connections while ensuring operational excellence across all client-facing services.
Steve Foxhall
Mortgage Adviser
CeMap qualified adviser with plumbing qualifications demonstrating diverse problem-solving skills. Specialises in fast-track mortgage completions and fixed-rate product advice. Recognised for technical expertise and client reassurance capabilities.
Questions
Are you truly independent mortgage advisers?
Yes, we have no ties to specific lenders and offer unbiased advice across the entire mortgage market.
What fees do you charge for mortgage advice?
We charge £500 for loans under £99,999 with an administration fee of £149, clearly explained upfront.
Do you help first-time buyers with government schemes?
Yes, we specialise in Help to Buy, Shared Ownership, and Mortgage Guarantee Scheme advice for first-time buyers.
Can you assist with buy-to-let mortgage requirements?
We provide specialist advice for property investors including portfolio management and limited company structures.
Are your mortgage protection products competitive?
As independent advisers, we compare life cover and critical illness policies across multiple providers to find best value.
What areas do you serve?
While based in Chelmsford, we provide mortgage advice services nationwide with remote consultation options.
Videos
