logo

Chelmsford Buying your next home mortgage Advice

Choose the right mortgage when moving home. Let Oliver, our lead Chelmsford mortgage advisor get your you best mortgage.

Start online today Meet your mortgage advisor

  • What are your fees?

    We do not charge broker fees

  • What is the first step?

    After you complete your remortgage questionnaire online, Oliver will send you the best possible option for you over email. We'll then need to have a conversation on the phone to confirm if you are eligible for it. 

 We are a trading style of Simply Lending Solutions who have featured in >

The logo for the independent newspaper with an eagle on it.
The ft financial times logo is on a white background.
The guardian logo is on a blue background
The logo for the evening standard is black and red with a flamingo on it.
A black and white silhouette of a handshake on a white background.

Find the right mortgage for your next move

With numerous factors to take into account, the mortgage process can seem overwhelming. It’s often challenging to determine the best starting point with your new mortgage application. Our Chelmsford mortgage brokers are here to assist you throughout the entire mortgage journey, offering complimentary mortgage advice every step of the way.

Meet Your Chelmsford Mortgage Advisor

Thank you for visiting our website. Joining our client list offers you unique insights and practical mortgage advice. We encourage you to ask questions and share concerns, with the goal of securing your best mortgage and supporting you until you're mortgage-free.


Our mission is to be Chelmsford's top mortgage advice company, known for outstanding results and exceptional customer service. We're happy to assist you in person, over the phone, or via email.

We look forward to hearing from you!

The name oliver reece is written in black on a white background.

Oliver Reece CeMap, CertPro

Lead Mortgage Advisor, Bright Future Mortgage Advisors

Contact Oliver Today

The basics

  • How much can I borrow?

    The amount you can borrow is dependent on your verified income and your outgoings. If you have no debt, the amount that you can borrow is usually around 4.5x your income e.g. £40k salary = £180,000.00 loan amount. The amount that you can borrow can change depending on your debts, credit history, age, and lifestyle. Furthermore, some lenders lend more than others.  The best option for anyone wanting to find out exactly how much they can borrow is to speak with a qualified mortgage advisor. 

  • How much will my mortgage cost?

    The amount that you pay each month on your mortgage is dependent on your loan amount, mortgage term, and interest rate. 


The costs

  • Do I need life insurance?

    By law, when you buy your first property you will need home insurance. Life insurance is a separate policy designed to pay you or your family an income or a lump sum should you fall seriously ill or die during the mortgage term. It is not obligatory, but 1 in 2 people in the UK contract cancer during their lifetime and it is a sensible choice to commit to a life insurance policy early in your life as policies become more expensive in older age. 

  • What are the costs involved in moving home?

    Potential lender fees, valuation fees, solicitor fees. You should also consider stamp duty and moving costs.

What else?

  • What are the different types of mortgage?

    The main types are fixed-rate mortgages and variable-rate mortgages which include tracker, discounted, and capped. The most common form is a fixed-rate mortgage. This is where your monthly payments remain consistent between 2-15 years. 

  • What if I have bad credit?

    Bad credit can be a result of having defaults, county court judgments, and missed payments on your credit file. Getting a mortgage with bad credit is available but you may need to go to a specialist lender that may offer higher interest rates and fees. We advise that you speak with a mortgage adviser regarding your options. We are very able to deal with bad credit mortgage applications. 

Ready to find your perfect mortgage deal?

A black and white drawing of a boat in the water.

We'll search far and wide to find you your best mortgage deal

A black and white icon of a piece of paper on a white background.

We'll handle all the paperwork and make your mortgage application stress-free

A black and white drawing of a coin with a pound sign inside of it.

We will not charge you a penny

Share by: