Mortgages
Whether you are a first time buyer or looking to buy a property to invest on a residential property to let, we might be able to find the most suitable deal based on your personal and financial circumstance - we will do this on obligation free bases, we will guide you through this complex process, step by step, and we will not carry out a credit search or submit an application until you have decided to proceed with an application. Our focus is only YOU and we will work around you in finding the best solution.

Whatever your credit status whether good or bad, we are sure to find a lender that is right for you as we cover whole of the market lenders, high street as well as near prime and sub-prime who will consider people with adverse credit such as defaults and county court judgements' (CCJ).
 
We understand that a mortgage is one of the biggest committment of a person's life and we would like to make sure, we get it right, and we will do our best to give the the best advice and recommendation based on your circumtance from start to finish and beyond. 

We offer a wide range of services to suit your needs:

FIRST TIME BUYER - if you are thinking of buying a house for the first time and need a mortgage, we can help you find the best deal.
 
RE-MORTGAGE - if you are looking for a better deal for your residential property, we can help you find the best deal from the whole of the mortgage lenders.
 
RIGHT TO BUY - if you are a council tenant considering to buy your property under the government's Right to Buy scheme, we can help you find the right mortgage.
 
BUY TO LET - if you are thinking of buying or re-mortgaging a property to rent, we can find a competitive mortgage deal.
 
LET TO BUY - if you are thinking of renting your existing property and buying another one to live in, we can help you to find the best deal.
 
SHARED OWNERSHIP - if you are thinking of buying a proportion of a property from your local authority or a housing association on Shared Ownership bases, we can help you to arrange a mortgage.

FREE PRODUCT TRANSFER - if your mortgage deal is coming to an end or has ended with your existing residential or Buy to Let lender and you are paying higher rate and payment as a result, we can change it for you for free of charge and could save you thousands ££££ a year.

Traditionally, banks and other lending intuitions have sold their own products. However, as the markets for mortgages have become more competitive, the role of the mortgage broker has become more popular.
 
Mortgage brokers exist to find a bank or direct lender that an individual seeks with a specific loan the individual is seeking.
 
Our independent broker will search thousands of mortgages to find the best deal for you and will only recommend a mortgage that is right for you. They are not on lender’s side, they are on your side and they will give you access to far more products than if you went direct.
 
Mortgage criteria has tightened massively over the past few years, with the Mortgage Market Review being the latest, and arguably widest-ranging, development. It has been designed borrowers can prove affordability, even in the event of rate rise, and those the extra checks have understandably increased application times.
 
What is the advantage of using the service of a broker?
  • They know the market well and are up to date with the latest deals
  • They know which lenders are comfortable with the unusual circumstances
  • They will offer advice and guidance throughout the process, and will also advocate with the mortgage lenders on your behalf, making it simple and stress less process
  • They can also sometimes get very good deals, better than you could get by going direct to the lender as they represent whole of the market lenders
  • They will take your whole circumstance into account to recommend a suitable product, and it is that thorough, professional look at your finances that makes advice well worth paying for.

 Your property may be at risk if you do not keep up repayments on any debt secured against it.


Essence Finance Limited FCA Registration number: 956335 is an Appointed Representative of Goldwire Financial Solutions Limited which is authorised and regulated by the Financial Conduct Authority. Registration Number: 756760.


Goldwire Financial Solutions Limited. Registered Office: Ketteringham Hall, Church Road, Ketteringham, Norwich, Norfolk, NR18 9RS. Registered in England Number: 10282454.

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