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The Mortgage Process

1. Get started

Speak to an adviser, fill out our 1-minute form or pop in and see us to get started with your mortgage application with one of our expert mortgage brokers in Essex.

2. Your offer

Once we have got to know you and your situation, we can then focus on securing your DIP with the most appropriate lender for you, and with mortgage terms that suit you.

3. Completion

With our knowledge and expertise we will continue to review your payments long after completion day, ensuring you are always receiving the best deal – now and in the future.

Preparing for your Mortgage

Mortgage Specialists

With a wealth of experience and knowledge in the mortgage market and trends, we pride ourselves on giving top-rated service to every customer looking to secure their mortgage. We always offer free, initial advice so that you have the ability to explore your best options without being tied down to any costs.

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Homes in Rayleigh

With Stamp Duty reductions and interest rate changes, there’s no better time to think about securing your first mortgage or even remortgaging for a better deal. At Southern Mortgages, we offer “whole of market” access, ensuring that you receive deals from more than just the high street banks and lenders.

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Our Mortgage Advice

Rayleigh in Essex is a great place to live and can be a great place to buy if you find the right deal with the right lender. With our expert mortgage advice, you will be guided through the different types of mortgages that are available to you i.e. – repayment mortgages, interest only mortgages etc based on your unique situation, and we will dedicate a specialist broker to ensure your mortgage application runs smoothly. So why not give us a call today and apply for a mortgage that’s right for you?

Hear it from others just like you…

Prefer not to call?

Whether you’re doing the school-run or being rushed off your feet at work, there’s always little time at the end of the day to worry about your mortgage application. That’s why we’ve created a fast and easy-to-use form that will allow us to get the information we need to get you started, all in under a minute! That’s about the same time as putting the kettle on…

Adverse Credit in Rayleigh

Worried about your credit rating or past defaults on your credit history that may affect your mortgage application? With access to a whole range of adverse credit lenders, now could be the perfect time to secure your mortgage and start owning your dream home. All of our initial advice comes free of charge and with no obligation, so why not speak to an adviser today and see how we can help.

Get your Mortgage

Speak to one of our advisers today and see how we can help you with a stress-free mortgage.

Call us now on

01702 746811