Fee free, Chelmsford based, independent whole of market mortgage advice
Get Expert mortgage advice in Chelmsford. Bright Future Mortgage Advisors offer 5-star rated, whole-of-market mortgage and protection advice that is tailored to your lifestyle and financial goals.
Access to all lenders.....
A Mortgage Broker Based in Chelmsford That You Can Trust
Choosing a mortgage doesn’t have to be stressful. We’re here to take the pressure off, guide you clearly, and help you feel confident—and even excited—about what comes next.
Whole of Market
Access to all lenders
No broker fees
We offer a completely fee free service
Answer the phone policy
01245 206030
What do we do?
When we’re not chatting with our clients, you’ll usually find us deep in the work that keeps everything moving — chasing lenders for updates, submitting a decision in principle, and reviewing documents to make sure every detail is spot-on. We spend our days comparing mortgage rates, reviewing protection options like life and income cover, and keeping up with the latest market changes so our clients don’t have to. We liaise with solicitors, estate agents, and accountants to keep things running smoothly, help parents complete gifted deposit paperwork, and guide first-time buyers through the process step by step.

We also help existing homeowners with remortgages, product transfers, and rate switches, making sure they’re always on the best deal for their situation. Behind the scenes, we carry out compliance checks, prepare suitability reports, and review affordability calculations to ensure nothing is missed. Whether it’s helping self-employed clients gather the right documents, explaining lender criteria in plain English, or checking in after completion, we’re here to make the process as simple and stress-free as possible.
At the heart of what we do is genuine care — we treat every application as if it were our own, and we’re always just a call, message, or email away to offer advice, updates, or a bit of reassurance when it’s needed most.
Meet Your Mortgage Broker

Oliver Ben Reece
CeMap CertPro
Lead Mortgage & Protection Advisor
Based in Chelmsford, Oliver Started Bright Future Mortgage Advisors with the sole focus of creating the best mortgage advice company in Chelmsford. Oliver lives in Chelmsford with his wife, who is a teacher at a local school, and 11-year old border collie called Lucky.
Our Areas Of Expertise
We don't charge any fees, but we still make money
All brokers receive a payment from the lender when the mortgage completes. Other brokers charge customers a fee of between £250-£2,377*. With Bright Future Mortgage Advisors, you really won’t pay a fee. No fee for our advice and no fee for our service. Nothing.
You’ll pay no more applying through us than you would going directly to the lender on the same deal – but we’ll also handle the entire process for you from application right through to completion. And, if a better deal becomes available before you complete, we can swap you on to it if it's a better one for you.
Current Mortgage Rates
Handy Calculators
Repayment Calculator
Overpayment Calculator
Stamp Duty Calculator
Happy Homeowners
Speak To A Bright Future Mortgage Advisor
Complete our online form to speak with one of our qualified fee free mortgage advisors.
- We will NEVER share your details with third parties
- All of our advisors have a CeMap Qualification from the London Institute of Banking and Finance
- Our service is completely fee free
- We are a local mortgage advice company based in Chelmsford, Essex







