# Goldmanread

> Professional Mortgage Brokers


## Posts

- [Is Buy to Let still worth it in Essex in 2025?](https://goldmanread.co.uk/elementor-3172/): Is Buy-To-Let Worth It In 2025? A No-Nonsense Guide For Landlords Thinking about buying or remortgaging a buy to let property in or around Essex this year? You are not alone. After a bumpy couple of years, landlords across Essex and the wider UK are asking the same question: is buy-to-let worth it in 2025? The short answer is, it can be, if the numbers stack and the ownership structure suits your tax position. This guide walks you through rates, yields, stress tests, deposits, fees, EPC rules, limited company vs personal ownership, lender appetite, and what a specialist broker can […]
- [Autumn is coming - time to consider a new home.](https://goldmanread.co.uk/autumn-is-coming-autumn-time-home-ideas/):   🍂 Why Autumn Could Be the Best Time to Buy a Home in the UK   When most people think of autumn, they picture crisp mornings, log fires, and cosy evenings in the pub. But there’s another reason to love the season: it could be the best time of year to buy a property in the UK. In this guide, we’ll cover: Why the property market slows down in autumn The advantages for buyers who are prepared What you need in place before you start viewing homes How a mortgage broker can help you secure the best deal Why […]
- [Does having a business affect getting a mortgage?](https://goldmanread.co.uk/does-having-business-affect-getting-mortgage/): Being your own boss undoubtedly has perks – flexibility, independence, and (hopefully) financial reward. But when it comes to applying for a mortgage, does having a business make things more complicated? The short answer is: not necessarily. Having a business shouldn’t stop you from getting a mortgage, but it does change how lenders assess your application. It may be necessary to contact specialist lenders that cater to the self-employed, which is why working with an independent mortgage broker can be a good move. Let’s look at how your business accounts, income structure, and financial stability play into the mortgage application process – […]
- [Should you rent or buy in Essex?](https://goldmanread.co.uk/should-you-rent-or-buy-in-essex/): Those looking for a place to live in Essex face the big decision: should you rent or buy? With average property prices rising, renting has become a necessity rather than a choice for many. However, for those who can get onto the property ladder, the question remains -is it better to buy? To decide whether to rent or buy in Essex, it’s important to assess your finances, job stability, and lifestyle needs. Consider property prices, mortgage payments, and deposit costs. Renting offers flexibility, while buying builds equity. If house prices rise, buying may be a better investment. Read on for […]
- [Can you convert a buy-to-let property into an HMO?](https://goldmanread.co.uk/converting-buy-to-let-property-into-an-hmo/): With rising property prices and increasing demand for affordable rentals, many landlords are looking for ways to maximise their investment returns. One option that has gained popularity is converting a buy-to-let property into a House in Multiple Occupation (HMO). But is it the right move for you? You can convert a buy-to-let property into an HMO, but it requires meeting local authority regulations, obtaining planning permission if needed, securing an HMO licence, and ensuring compliance with fire safety and building regulations. You may also need an HMO mortgage or bridging loan to finance the conversion. Read on for Goldmanread’s guide […]
- [Do spending habits affect mortgage approval?](https://goldmanread.co.uk/do-spending-habits-affect-mortgage-approval/): There are no two ways about it – your spending habits can significantly impact your chances of mortgage approval. Mortgage lenders want reassurance that you can meet the monthly mortgage payments and will look at how you spend your money to assess whether you are a reliable borrower. Mortgage lenders will assess your spending habits as part of their mortgage affordability assessment. Certain patterns, like regular gambling or relying on payday loans, can raise red flags and harm the chance of approval. These spending patterns may suggest financial instability to a mortgage provider, who may be hesitant to approve your […]
- [Is Essex a good location for HMO investments?](https://goldmanread.co.uk/is-essex-a-good-location-for-hmo-investments/): For property investors looking to maximise their investments, Essex has consistently been a top choice for HMOs (Houses in Multiple Occupations). Essex is an ideal location for HMO investments due to its affordable property prices, strong tenant demand from students and professionals, excellent transport links to London, and high rental yields. With diverse housing options and a growing economy, it offers landlords excellent potential for returns. Read on for Goldmanread’s guide for aspiring HMO landlords in Essex. For one-to-one advice on getting a mortgage on your next HMO investment property, please get in touch. Why Essex is a strong HMO investment […]
- [Do gaps in employment affect mortgage applications?](https://goldmanread.co.uk/do-gaps-in-employment-affect-mortgage-applications/): For many people, life doesn’t always follow a straight path. Perhaps you are taking time out of work to care for your family, explore the world, or recover from health issues. Employment gaps are a natural part of many career journeys, but how do they affect your chances of getting a mortgage? Employment gaps can affect mortgage approval, but they don’t necessarily disqualify you. When a mortgage lender reviews your application, they look for consistent income, your ability to make mortgage payments, and overall financial stability. Addressing employment gaps honestly is key to success. By understanding how mortgage lenders view […]
- [Can you avoid stamp duty on a second home?](https://goldmanread.co.uk/can-you-avoid-stamp-duty-on-a-second-home/): For many people considering buying a second property, the thought of paying extra stamp duty can be off-putting. Whether you’re considering a holiday home or a buy-to-let property, understanding the rules around stamp duty on second homes is essential, especially with the recent rate increases. In most cases, stamp duty is simply unavoidable. But in some scenarios, you may be able to reduce the burden or even claim a stamp duty refund. While most second home purchases incur additional stamp duty, exceptions include inherited properties without a mortgage, properties under £40,000, and certain moveable assets like caravans or boats. Refunds […]
- [How has the 2024 Autumn Budget affected mortgages?](https://goldmanread.co.uk/how-has-autumn-budget-affected-mortgages/): December 2024 The 2024 Autumn Budget from the new Labour Government was our first chance to see the economic plans for the coming years of their administration. Some significant changes were made, including increases in employer national insurance contributions, capital gains tax, thresholds for inheritance tax, and higher income tax rates. For UK residents looking to buy a new home, whether a first-time buyer, home mover, or property investor looking to purchase rental homes, one of the biggest questions is how the Budget announcement will affect borrowing costs and property transactions. The 2024 Autumn Budget introduced a higher stamp duty […]
- [How to build up credit for a mortgage](https://goldmanread.co.uk/how-to-build-up-credit-for-a-mortgage/): When you’re dreaming of buying your first home or upgrading to a bigger one, the prospect of getting a mortgage can feel daunting. You might be asking yourself: “Will my credit score be good enough? What can I do to improve my chances?” These are valid concerns, especially since your credit history plays a crucial role in determining your mortgage eligibility. Mortgage lenders now rely heavily on your credit rating as it’s an easy and fast way of assessing how well you manage your debts. It helps them to make speedier and more reliable decisions. To build up credit for […]
- [Should you overpay your mortgage?](https://goldmanread.co.uk/should-you-overpay-your-mortgage/): With the increasing cost of living and unpredictable interest rates, you might wonder if paying off your mortgage faster is a smart move. It’s a question that many homeowners find themselves asking, and my answer is almost always “yes”. If it is affordable and fits your financial goals, it’s wise to make overpayments on your mortgage, either as a lump sum or with regular monthly payments. That way, you will pay less interest overall and be mortgage-free sooner. This guide breaks down the pros and cons, helping you decide whether making additional payments on your mortgage is right for you. […]
- [Will student loans prevent you from getting a mortgage?](https://goldmanread.co.uk/can-student-loans-prevent-mortgage-approval/): Getting a degree is a significant investment in your future, but with the rising cost of living and tuition fees, many graduates leave university with substantial student debt. For qualified professionals, that investment often pays off with higher earning potential and fortunately, student loan repayments are tied to earnings. Despite this, many young professionals worry that their student loan debt could stop them from getting a mortgage. Fortunately, that’s not the case. Student debt shouldn’t stop you from getting a mortgage. Lenders assess student loan repayments as part of your total financial outgoings to ensure you can manage the monthly […]
- [What mortgage size can I get?](https://goldmanread.co.uk/what-mortgage-size-can-i-get/): One of the first questions potential homebuyers ask me is, “How much can I borrow?” The answer is that everyone’s situation is different, and so, therefore, is their borrowing potential. The maximum mortgage you are offered depends on various factors such as income, debts (including loans, credit cards and HP agreements), deposit size and property value. Lenders tend to assess applications on a case-by-case basis, so there’s no one-size-fits-all answer as to how much you can borrow. Read on for our useful guide, which will give you an idea of how these factors affect borrowing and what that might mean […]
- [Can you get a mortgage if you've started a new job?](https://goldmanread.co.uk/starting-new-job-getting-a-mortgage/): If you’ve recently started a new job or are considering taking the leap, you may wonder where that leaves you mortgage-wise. For example, will it affect your ability to be approved for a new mortgage? How long do you need to wait before applying? Many mortgage lenders will consider you for a mortgage if you have just started a new job, even if you are in a probationary period. Some lenders will require you to have completed a minimum amount of time in your new role and have a stable employment history. In this blog, we’ll examine the subject in […]
- [How an accountant's certificate can help you secure a mortgage](https://goldmanread.co.uk/accountant-certificate-mortgage-approval/): If you are a self-employed sole trader or limited company director, it’s likely you’ll come up against a few challenges when it comes to applying for a mortgage. It’s down to the fact that your income is harder to prove than it is for those in regular employment. Mortgage lenders are likely to ask for an accountant certificate confirming your taxable income. An accountant’s certificate verifies self-employed income and financial stability. Lenders use this to assess affordability, increasing your chances of getting a mortgage. The certificate must be produced by a chartered accountant or certified accountant with recognised qualifications. In […]
- [Can I get a mortgage if I have bad credit but a good job?](https://goldmanread.co.uk/can-i-get-a-mortgage-if-i-have-bad-credit-but-a-good-job/): Applying for a mortgage can be stressful enough, especially if you have a poor credit history. Even if you have a stable job, you may feel uncertain about your chances of getting a mortgage with bad credit. However, there are positive actions you can take to improve your chances of mortgage approval. Lenders prioritise credit history over a stable income, so review and improve your credit score before applying for a mortgage. It might be possible to get a mortgage with a bad credit score through a specialist lender if you work with a mortgage broker. Read on for Goldmanread’s […]
- [How to buy a house in Essex](https://goldmanread.co.uk/how-to-buy-a-house-in-essex/): Essex is a popular location for both homeowners and property investors, thanks to its convenient location, relative affordability and sheer diversity of housing stock. Being on the commuter belt, Essex is particularly popular with city workers looking for more space and a quieter life outside of London. If you are eyeing up your next property in Essex, you might wonder where to start. The best way to buy a house in Essex is first to research the property market and determine your budget. Once you know what you can afford and where you want to buy, get advice from an […]
- [What mortgage can a teacher afford?](https://goldmanread.co.uk/what-mortgage-can-a-teacher-afford/): If you are a teacher looking to buy a home, the good news is that mortgage lenders tend to consider teachers favourably, as it’s considered a stable profession. Teachers may be offered a mortgage up to five times their income, with specialist lenders offering up to six times based on career stage and progression. As key workers, teachers often qualify for home-buying schemes like the First Homes Scheme to help them get on the property ladder. This blog will explore mortgages for teachers, exploring how their salary, career progression, and specialist teacher mortgage products can help them buy a home. For […]
- [Does salary affect mortgage rate?](https://goldmanread.co.uk/does-salary-affect-mortgage-rate/): When researching a new mortgage, it’s important to know how your salary impacts the deals you may be offered. Whether you’re a first-time buyer, home mover or looking to remortgage, understanding how mortgage lenders assess your income can help you make informed decisions. Salary will not necessarily have an impact on the mortgage rates you’re offered. However, salary and deposit amount will impact your affordability for a mortgage and how much you will be able to borrow. In this blog, we’ll explain how lenders consider annual income in their affordability assessments and provide advice on securing the best possible deal for your financial […]
- [How to get the best remortgage deal](https://goldmanread.co.uk/how-to-get-the-best-remortgage-deal/): Is your mortgage deal about to expire? Many homeowners are coming to the end of fixed-rate mortgage deals in 2024, many of whom have enjoyed interest rates below 2% for the past few years. With the Base Rate hovering at 5.25% and the general election looming, it is hard to predict which way the base rate will go and how quickly. This is a source of anxiety for many homeowners. ​ So, how do you decide which remortgage deal to take, and should you stick with your current lender or find a different one? To get the best remortgage deal […]
- [Are You Able to Extend a Mortgage Term?](https://goldmanread.co.uk/are-you-able-to-extend-a-mortgage-term/): As a mortgage professional, I often get asked by clients, “Can I extend my mortgage term?” The simple answer is yes, but as with all mortgage decisions, there are considerations. If you are moving house or looking to remortgage, you can extend your mortgage term with your existing mortgage lender or with a new lender, provided you meet their criteria. While this can free up equity and reduce your monthly payments, your interest payments will increase over the life of the loan. Before you extend your mortgage term, make sure you understand the implications and ensure it’s the right decision […]
- [What makes a house uninhabitable to mortgage in the UK?](https://goldmanread.co.uk/what-makes-a-house-uninhabitable-to-mortgage/): The UK has many ageing properties in varying degrees of decline. What some may see as a lost cause, others, particularly property investors, may see as a renovation project. However, it is not usually possible to get a mortgage on a property considered ‘uninhabitable’ by a mortgage lender. Mortgage lenders consider a property uninhabitable if it lacks essentials like a watertight roof, working plumbing, electricity, and heating. Issues such as severe structural damage and proximity to undesirable commercial properties can also make a house unmortgageable. If you want to buy a currently uninhabitable property and have been turned down by […]
- [Can you include stamp duty in my mortgage?](https://goldmanread.co.uk/can-you-include-stamp-duty-in-my-mortgage/): The prospect of paying stamp duty costs can be daunting, especially for a first-time buyer. As a mortgage broker, I’m often asked if it’s possible to include stamp duty to a mortgage, rather than paying it upfront. Stamp duty must be paid to HMRC upon completion, so you can’t delay payment by ‘adding’ it to your mortgage. Your lender may agree to lend more money to cover the cost of stamp duty. If they do, it may affect your affordability, and you will be charged interest on the extra amount. Read on for more important considerations when adding stamp duty […]
- [Guide to getting a joint mortgage with only one income](https://goldmanread.co.uk/getting-a-joint-mortgage-with-only-one-income/): For many couples, owning a home together provides legal, financial and emotional security. But for those relying on a single income, the dream of joint ownership can feel out of reach. However, securing a joint mortgage with only one income is indeed possible with the right approach and understanding of the process. Securing joint mortgages on a single income requires careful planning. Lenders assess affordability based on the sole earner’s income, credit history, and debts. To improve your chances of success, strive to reduce your debt and use a mortgage broker to seek out specialist lenders. In this article, I […]
- [Can you buy a house with a partner using different deposit amounts?](https://goldmanread.co.uk/can-you-buy-a-house-with-a-partner-using-different-deposits/): Buying property with a partner is undoubtedly an exciting milestone. But what happens if one partner has a larger deposit available than the other? And how is ownership split if they go their separate ways, or should one owner wish to sell the property and take their funds with them? Partners can buy property with different-sized deposits, and neither party’s contribution is limited. However, lenders hold both parties severally liable for the repayments. Unmarried couples may consider buying as tenants in common and signing a cohabitation agreement to protect their interests. Clearly, the most important factor is that the buyers […]
- [Is it worth buying an HMO?](https://goldmanread.co.uk/is-it-worth-buying-an-hmo/): Are you a landlord looking to add a House of Multiple Occupation (HMO) to your property portfolio? As with all property investments, there are pros and cons, but the appeal is clear. HMOs are in high demand and offer higher rental yields than standard buy-to-let. However, they are more complex to manage, incur higher costs and subject to strict regulations. Also, HMO mortgages are more expensive and harder to get, which is why it’s important to seek professional mortgage advice. Investing in HMOs also requires a clear understanding of the local market and tenant demographics. The success of your investment […]
- [Can you get a mortgage on a property that has cladding?](https://goldmanread.co.uk/can-you-get-a-mortgage-on-a-property-with-cladding/): The UK cladding crisis arose following the tragic Grenfell Tower fire of June 2017 and The Bolton Club Fire of 15 November 2019. The fires spread uncontrollably due to cladding made of combustible materials, prompting a review of building regulations and fire safety issues in high-rise buildings. Amid the consequent inquiries and discussion, the owners of affected properties have faced financial uncertainty alongside safety concerns, with many left ‘trapped’ in their mortgages. But there is new hope for those looking to buy, sell or remortgage a property with cladding issues. Thanks to the protections established in the Building Safety Act […]
- [What happens at the end of an interest-only mortgage?](https://goldmanread.co.uk/what-happens-at-the-end-of-an-interest-only-mortgage/): The monthly payments on an interest-only mortgage can be considerably lower than those on a standard repayment mortgage. This can be a great option for homeowners who need to free up cash for other investments or are expecting a large sum of money in the future. But before taking the leap, it’s crucial to understand what happens at the end of an interest-only mortgage term. At the end of an interest-only mortgage term, lenders expect total loan repayment. Typically, borrowers settle the debt by selling their home or using the proceeds from an investment plan or pension. If you can’t […]
- [Can I get a part interest, part repayment mortgage?](https://goldmanread.co.uk/can-i-get-a-part-interest-part-repayment-mortgage/): Most borrowers choose between one of two traditional mortgage repayment methods: interest only or capital repayment. There is a lesser-known third option called a part repayment and part interest mortgage (known as ‘part and part mortgages’). A part repayment and part interest mortgage is seen as the middle ground and results in lower monthly payments compared to a typical repayment mortgage. To qualify for a part and part mortgage, lenders assess affordability in the usual way, but they may have stricter criteria. In addition, they will require proof of a repayment vehicle for the remainder of the mortgage debt at […]
- [Things to do in Essex](https://goldmanread.co.uk/things-to-do-in-essex/): No matter where in the UK you are from, almost everyone has an idea of what Essex might be like. For some, it immediately conjures up images of TOWIE glamour; for others, the iconic Southend pier. Many think of Essex as a commuter haven, given its proximity to London. Some picture large urban towns or quaint villages, countryside and coastline. Whatever your perception of Essex, I’ll wager it has more to offer than you imagine. Essex is wonderfully diverse, offering visitors and residents a mix of history, nature, and entertainment. From exploring Colchester Castle to beach days at Southend-on-Sea, and […]
- [Leeds Building Society to restrict lending on Holiday Lets](https://goldmanread.co.uk/leeds-building-society-to-restrict-lending-on-holiday-lets/): Leeds Building Society has just announced a suspension of lending on Holiday Let properties in certain locations throughout the UK. Specifically, they have stopped lending in North Norfolk and parts of North Yorkshire. The lending suspension will run for a trial 12-month period. Why has the Leeds Building Society restricted lending on holiday let properties? Leeds says that, as these are areas that have proved very popular with Holiday Let investors, by restricting holiday let mortgages, they will be putting home ownership within the reach of more people, especially first-time buyers who face difficulties getting onto the housing ladder. This […]
- [Can you buy someone out of their house?](https://goldmanread.co.uk/can-you-buy-someone-out-of-their-house/): Life can be unpredictable, and a joint mortgage is not always sustainable. As a mortgage broker, I’m often approached by clients looking to buy a co-owner out of their house or vice-versa. You can buy a co-owner out of a house with a new mortgage or remortgage. For example, if you divorce or wish to transfer ownership of your home to a child. When negotiating the sale price and terms, it’s vital to get legal, financial and mortgage advice to ensure the process is fair and efficient. Buying someone out of their property involves various legal, financial, and personal considerations. […]
- [UK Mortgage Trends in 2024](https://goldmanread.co.uk/uk-mortgage-trends-in-2024/): Will 2024 be a good year to buy or sell a property? Read on for Goldmanread’s helpful guide to the 2024 UK mortgage and housing market. 2023 was a challenging year for homebuyers and sellers alike, with high-interest rates and the spiralling cost of living making for an uncomfortable ride. Looking ahead to 2024, many questions hang in the air. Will mortgage rates come down? How will the high cost of living affect the demand for homes? Are we heading for a drop in property prices, or will the market balance out? In a nutshell, the UK housing market is […]
- [Do professionals get better mortgage rates?](https://goldmanread.co.uk/do-professionals-get-better-mortgage-rates/): As an educated professional, you have worked hard to put yourself on a stable and potentially lucrative career path. This can make getting a mortgage easier, and you may even find that some mortgage lenders offer better deals. Mortgage lenders tend to look favourably upon and offer competitive mortgage rates to professionals. They view professional applicants as low risk due to their stable and higher incomes, job security, education, and potential career progression. In this article, I’ll look at mortgages for professionals more closely and answer some frequently asked questions. For personal advice on the range of professional mortgages available, […]
- [Can self-employed professionals get a mortgage?](https://goldmanread.co.uk/can-self-employed-professionals-get-a-mortgage/): As a self-employed individual, no doubt your income looks a little different to those in regular employment. This can often cause challenges when it comes to getting a mortgage with some lenders. However, it’s by no means impossible. If you are self-employed, many lenders will consider you for a mortgage. These lenders recognise the fluctuating nature of self-employed income and have more flexible lending criteria. Speaking with a mortgage broker is highly recommended, as they may have access to specialist self-employed mortgage deals. I’ll explore this topic further in this blog article and answer some frequently asked questions. If you […]
- [Can you move house while you have a mortgage?](https://goldmanread.co.uk/can-you-move-house-while-you-have-a-mortgage/): At Goldmanread, we believe there is no such thing as an obvious question when it comes to mortgages. We’re often asked by homeowners if and how they can move home while they are in the midst of a mortgage term. You can move home if you already have a mortgage. You may be able to port your mortgage or arrange a new deal with your existing or new lender. If you are looking for a second home, it’s possible to retain your mortgage when you move. Or, you could arrange a let-to-buy mortgage to rent out your existing home. I’ll explore […]
- [Can I get a mortgage with bad credit and a large deposit?](https://goldmanread.co.uk/can-i-get-a-mortgage-with-bad-credit-and-a-large-deposit/): If you have a bad credit score, it can be trickier to get a mortgage. However, don’t lose hope, as credit issues do not rule out the possibility of owning your own home. Securing a mortgage with bad credit is possible, even if you have county court judgements on your credit file. Your chances improve with a substantial deposit as it reduces the lender’s risk. However, your options may be limited, and securing a competitive interest rate may be more challenging. It’s important to seek professional advice if you are looking for a bad credit mortgage, as they have access […]
- [Why you should get a house valuation before remortgaging](https://goldmanread.co.uk/why-you-should-get-a-house-valuation-before-remortgaging/): When it comes to remortgaging, it’s important to consider it as a strategic financial move. Remortgaging can offer opportunities to secure better mortgage deals, reduce overall monthly mortgage payments, or release equity in your home. So, getting your house valued is essential to know how much you can borrow or release. Mortgage lenders insist on a property valuation before remortgaging to determine the loan-to-value ratio (LTV). Generally, the lower your LTV, the better interest rates you can expect and the more equity you can potentially release, which is why getting an accurate valuation is crucial. In this blog, we’ll explore […]
- [What happens if I can't afford my mortgage?](https://goldmanread.co.uk/what-happens-if-i-cant-afford-my-mortgage/): With mortgage rates increasing dramatically over the past year many people are beginning to struggle to meet their monthly mortgage repayments. This being the case it’s important to realise that there is mortgage support out there, not just from your lender but from other sources like charities and government support. The most important thing is that you seek mortgage support as soon as possible before the situation becomes too serious and before you start to get into mortgage arrears. How to afford a mortgage The most important thing you can do prior to taking a mortgage is to ensure that […]
- [How does remortgaging release equity?](https://goldmanread.co.uk/how-does-remortgaging-release-equity/): Many homeowners with a good percentage of equity in their property seek to release some of their cash for reasons such as home improvements, repaying debts, other property purchases, etc. As a mortgage broker, I’m often asked, “How does remortgaging to release equity work?”. When you release equity, you are essentially borrowing more money against the value of your home. The equity in your property, i.e. the difference between your home’s value and the remaining mortgage amount, is converted into cash via a mortgage. This is usually received as a lump sum. Mortgage lenders request that the use of funds […]
- [Is it better to do a 2 or 5-year fixed mortgage?](https://goldmanread.co.uk/is-it-better-to-do-a-2-or-5-year-fixed-mortgage/): Clive Read, November 2023 We are living in turbulent economic times. The ever-increasing cost of living has driven inflation, leading The Bank of England to increase the interest rate no less than 14 times in the past two years. With interest rates now at a 14-year high, the cost of borrowing is a significant concern, and many homeowners are left wondering if they should fix the term of their mortgage and, if so, for how long. The choice of a 2 or 5-year fixed-rate mortgage depends on your finances, deposit, long-term plans and appetite for risk. Longer fixed-rate deals offer […]
- [How to remortgage for home improvements](https://goldmanread.co.uk/how-to-remortgage-for-home-improvements/): If you have your heart set on home improvements, you may wish to explore remortgaging to release equity from your property. But what exactly does this entail? Remortgaging to fund home improvements involves releasing equity in your home, i.e. borrowing more money against the value of your property. The loan amount is the cost of your home improvement plus whatever is left of your current mortgage. You can explore options from both your current lender and the wider market. In this article, I’ll take you through what it means to remortgage to release equity, what the lender’s criteria might look […]
- [Are first-time buyers becoming more confident?](https://goldmanread.co.uk/first-time-buyers-more-confident-hsbc-survey/): A recent survey at HSBC* has shown that first-time buyers are now more confident about getting on the property ladder. Amongst other findings, HSBC reports that: One of the most likely reasons for buying a property is that it’s seen as cheaper than renting (21% of respondents). Other reasons include a desire for independence (20%), Financial Security (17%) and being able to provide for their family. 68% (7 out of 10) first time buyers feel that they are now more able to buy their dream property compared to the beginning of 2023. Many of these buyers are looking to purchase […]
- [What is the housing market like in Essex?](https://goldmanread.co.uk/what-is-the-housing-market-like-in-essex/): While the Essex housing market is not immune to fluctuating interest rates, rising house prices and the effects of the housing crisis faced by the UK, the market here is consistently healthy, and there remains a steady demand for property throughout the region. The Essex housing market is affordable in relation to the London and South East averages and can meet the needs of a wide range of buyers. The county has a diverse geography and many different styles of property, with something to suit every budget and lifestyle. In this article, I’ll take a look at Essex house prices […]
- [What are the best schools in Essex?](https://goldmanread.co.uk/what-are-the-best-schools-in-essex/): October 2023 If you are considering moving your young family to Essex or moving within the county, then schools are no doubt on your mind. The good news is that there are a lot of great schools in Essex, so wherever you go, you will be spoilt for choice. Essex has 130+ secondary schools and 500+ primary schools. There is a good selection of state secondary, private and grammar schools. A staggering 179 schools in the county are currently rated ‘outstanding’ by Ofsted (Oct 2023). In this article, we will take a look at some of the excellent education opportunities […]
- [Is it possible to switch to an interest-only mortgage?](https://goldmanread.co.uk/is-it-possible-to-switch-to-an-interest-only-mortgage/): Interest-only mortgages are attractive to many borrowers as their monthly payments can be significantly reduced, freeing up cash to improve their quality of life or to invest elsewhere. This is as opposed to repayment mortgages, where the mortgage payments consist of both capital and interest. I’m often asked by clients on a repayment mortgage, “Is it possible to switch to an interest-only mortgage?” It is possible to switch your mortgage to an interest-only basis if you have sufficient equity in your property, an acceptable repayment plan and meet the lender’s income requirements. Many borrowers move to interest only temporarily and revert back […]
- [Can a mortgage broker get me a better deal?](https://goldmanread.co.uk/can-a-mortgage-broker-get-me-a-better-deal/): Whether you’re a first-time buyer, looking to remortgage, or want to move into a new place, getting a mortgage is an exciting and daunting step on your property journey. Seeking the support of an experienced professional, such as a mortgage broker or mortgage advisor, can help you secure the best deal and navigate the process with ease. A mortgage broker can be a helpful associate when you’re looking to secure the best mortgage deal. They can save you time, money and stress. With their access to various lenders, they will be able to negotiate rates on your behalf and tailor […]
- [Guide to the Save to Buy scheme](https://goldmanread.co.uk/guide-to-the-save-to-buy-scheme/): The new Save to Buy (STB) incentive has been launched by New Build developer Fairview Homes. Like Help to Buy the STB scheme is aimed at first-time buyers who may struggle to save a deposit to buy their new home. A buyer must have a minimum of 1% saved but they are able to live in their home whilst paying a “rent” which is actually a regular contribution to their deposit. This new scheme aims to help first-time buyers to buy properties and take up the slack after the removal of government backed schemes such as the Help to Buy […]
- [10 things to be aware of when buying property near to a Petrol Station](https://goldmanread.co.uk/buying-a-property-near-a-petrol-station/): Buying property or a house near a petrol station and considering a mortgage? It’s possible to get a mortgage on a property which is near to a petrol station but there are a few things to be aware of first. We have set out below 10 important factors to consider if you want to buy a property near to or next to a petrol station. Environmental Risk A lender, or perhaps more specifically their surveyor will want to consider the potential risk of petrol spill or indeed any other hazardous substances when assessing the value of the property and the […]
- [Can I get a mortgage on short leasehold property?](https://goldmanread.co.uk/can-i-get-a-mortgage-on-short-leasehold-property/): Can I get a mortgage on a leasehold property? Yes, it is possible to get a mortgage on a leasehold property with some important caveats: 1) The length of the term left on the lease. 2)  Whether it is possible to request a lease extension from the freeholder. 3) The cost of extending the lease term. What is a leasehold property? A leasehold property is a type of ownership in which the owner holds the right to use and occupy the property for a certain period of time, typically for a number of years, as specified in the lease agreement. […]
- [Mortgage guide to buying a second home](https://goldmanread.co.uk/guide-to-buying-a-second-home/): Guide to buying  second home – A Second residence, Holiday Let or Buy to let This guide covers everything you need to know about buying a second property, whether it’s a holiday home or a buy-to-let. What to know before buying a second home Almost three-quarters of a million households in England had a second home, around half a million in the UK, according to official figures (source). If you are considering buying a second property, there are a number of things you should be aware of first. We go into these in more detail in this article, but here’s […]
- [Can you get a mortgage based on dividend income?](https://goldmanread.co.uk/can-you-get-a-mortgage-based-on-dividend-income/): Can you get a mortgage based on dividend income? Limited company directors often pay themselves a combination of salary and dividends to take advantage of tax benefits. While this is good news for your tax bill, you may wonder if dividends qualify as income for mortgage purposes. Although it’s true that not all mortgage lenders consider dividends a stable income, the good news is that most do. As a company director, many lenders will offer you a mortgage based on your total income, including dividends, investments, and rental income, meaning you could borrow more. This varies by lender, and you […]
- [How to Choose a Mortgage Broker in Essex](https://goldmanread.co.uk/how-to-choose-a-mortgage-broker-in-essex/): When you want to buy a property at the best deal, you need a well-known residential broker. Who is a broker, by the way? They are finance-related specialists who learn and operate with a field of various lenders to offer their customers the right and precise loan agendas and lenders. What to consider when choosing a mortgage broker in Essex We know what a broker is. The point is to choose the best Residential Mortgage Broker in Essex for the awesome deal! Let’s go through 4 things you should consider when choosing your mortgage broker in Essex. 1) Know what […]
- [Should I Buy an Off-Plan Property?](https://goldmanread.co.uk/should-i-buy-an-off-plan-property/): As a mortgage broker based in Essex, I am often approached by clients who are looking to buy an off plan property and want advice on whether this is a good investment and also how to arrange finance for this type of property. What is an Off-plan property? For those not familiar with the term “off plan” this simply means property that is not yet built and may not be ready for up to several years from the purchase / reservation date. People will usually buy on this basis if they believe property prices are likely to rise over the […]
- [How to spot property finance fraud](https://goldmanread.co.uk/how-to-spot-property-finance-fraud/): Like many things in life if it looks too good to be true it probably is. Thats true of property as it is of any other  investment. At Goldmanread, our mortgage brokers pride themselves on our personalised service, the goal of which is to secure the most beneficial mortgage deals, so we want to ensure that you are aware of property scams by raising your fraud alert awareness. Unfortunately scammers these days are very good at fooling us and creating a false image of respectability. This includes fraudulent property for sale. The pervasive nature of social media which allows even […]
- [Top 10 richest Essex folk (2019)](https://goldmanread.co.uk/top-10-richest-essex-folk-2019/): At Goldman Read we know Essex and the surrounding areas like the palm of our hands. Being based a mortgage broker in Essex, our specialist mortgage advice has been born from  over 10 years of established business and practice. Who are the richest in Essex? We have seen Essex grow into a thriving area marvellous for professionals and families who are thinking of settling into the area. In this blog, we’ll uncover the 10 richest of Essex, hoping to inspire your growth thanks to property investment and other industries. 1) Lord Alan Sugar Property 2018: £1,300m 2017: £1,200m (2nd) Lord […]
- [Mortgages for Holiday Lets | How do they work?](https://goldmanread.co.uk/how-do-holiday-lets-mortgages-work/): At Goldman Read, we are often approached by people looking to buy a second home. There are various reasons behind this, some wish to have a bolthole by the sea or in the country that they can head to at weekends. Others want to buy a property that they can let on a short term basis for holiday lets. Some people would like to have a combination of both of these. To take each of these in turn. Are mortgages available for second homes for owner occupation? When assessing a second residential mortgage lenders will want to find out the […]
- [How do refurbishment mortgages work?](https://goldmanread.co.uk/how-do-refurbishment-mortgages-work/): Refurbishment mortgages often known as a refurbishment loan is one of our favourite mortgage products at Goldman Read. Some people have a little difficulty understanding how this product works but its actually pretty straightforwards. What is a refurbishment loan? In technical terms the lender will advance what is called a bridging loan allowing the purchaser to buy a property. A bridging loan is simply a short term loan secured on the property to allow a purchase to proceed where most banks would decline to lend. This could be in the case of a property in a poor state of repair, […]

## Pages

- [Best Essex Towns for First Time Buyers under £250K - Your Guide to Affordable Property in Essex](https://goldmanread.co.uk/best-essex-towns-first-time-buyers-affordable-property-essex/): Unlocking Affordable Property in Essex: Your First Step onto the Ladder Buying your first home is one of the most exciting, and often daunting, milestones in life. The south-east of England, and particularly a desirable county like Essex, often feels out of reach for first-time buyers. Tales of sky-high prices in commuter hotspots like Brentwood and Chelmsford can leave you feeling a little disheartened, but don’t despair! We’re here to tell you that securing affordable property Essex for under the £250,000 mark is absolutely possible. While you might need to look at flats and maisonettes, or perhaps a two-bedroom house […]
- [The Ultimate Guide to Buying Your First Home in Essex](https://goldmanread.co.uk/essex/ultimate-guide-first-time-buyer-home-loans-essex/): The Ultimate Guide to Buying Your First Home in Essex Stop Scrolling, Start Owning! Your First Time Buyer Guide Essex Let’s be honest. Mortgages sound boring. They sound complicated. They sound like something your parents worry about, right? Wrong. Buying your first home in Essex is one of the most exciting things you’ll ever do. It’s about finding your space, not just renting someone else’s. We get it. The process is a maze of jargon. That’s where we, Goldmanread.co.uk, step in. As Clive Read, Mortgage Broker and founder of Goldmanread.co.uk, I’ve personally guided 100’s of first-time buyers in Essex to […]
- [Essex-Updated](https://goldmanread.co.uk/essex-updated/): Essex Mortgage Brokers & Advisors As a specialist mortgage broker and advisor in Essex, Goldmanread was established over 10 years ago to offer mortgage advice to professionals, such as company directors. We pride ourselves on our personalised service, the goal of which is to secure the most beneficial mortgage deals to complement our clients’ career stage, financial situation and life plans. Ask for Mortgage Advice Call on 0330 127 1489 Request a call back Complete our form to request a free initial consultation about finding the right professional mortgage for you. Thanks for your enquiry, we will be in touch […]
- [HMO mortgages](https://goldmanread.co.uk/mortgages/hmo-mortgages/): Are you a landlord looking to buy a House in Multiple Occupation (HMO) property in Essex? HMO properties can yield greater rental income than standard buy-to-let, but securing the right mortgage can be more challenging. Goldmanread can provide professional and impartial advice on securing a competitive HMO mortgage. How can we help you What do we offer? FREE HMO Mortgage Consultation & Advice Complete our form to request a free initial consultation about finding the right HMO mortgage for you. Name*Phone*Email* How can we help?*Please answer to stop spam: 5 + 5 =*7310EmailThis field is for validation purposes and should […]
- [Stipend mortgages](https://goldmanread.co.uk/mortgages/stipend-mortgages/): Navigating the mortgage market can be complex, especially for individuals with stipend income. At Goldmanread, we specialise in making mortgage applications on behalf of stipendiary earners in Essex to help make their homeownership dreams a reality. How can we help you What do we offer? FREE Stipend Mortgage Consultation & Advice Complete our form to request a free initial consultation about finding the right stipend mortgage for you. Name*Phone*Email* How can we help?*Please answer to stop spam: 5 + 5 =*7310CommentsThis field is for validation purposes and should be left unchanged. Table of Contents Add a header to begin generating […]
- [Mortgages for Influencers](https://goldmanread.co.uk/mortgages/mortgages-for-professionals/mortgages-for-influencers/): Are you wondering if you can get a mortgage as an influencer? The good news is that, yes, it's possible. If you are an influencer in Essex or beyond, Goldmanread can help you secure a competitive mortgage for your dream home.
- [Mortgages for Journalists](https://goldmanread.co.uk/mortgages/mortgages-for-professionals/mortgages-for-journalists/): Goldmanread specialises in securing mortgages for journalists, broadcasters and editors across the media. Whatever your employment type and income structure, we can help you find a favourable deal to secure your first or next home.
- [Mortgages for IT contractors and consultants](https://goldmanread.co.uk/mortgages/mortgages-for-professionals/mortgages-for-it-contractors-consultants/): Are you an IT contractor looking to get a mortgage? As you may have already discovered, mortgage lending criteria can be tough for self-employed people. At Goldmanread, we are dedicated to sourcing mortgages for contractors like you from both mainstream and specialist lenders.
- [Mortgages for Accountants](https://goldmanread.co.uk/mortgages/mortgages-for-professionals/mortgages-for-accountants/): For a professional accountant, getting a favourable mortgage deal is essential, but the market is large and finding the right mortgage is time-consuming. Goldmanread can assist you in finding specialist mortgages for accountants and manage the application process on your behalf.
- [Bad Credit Mortgages](https://goldmanread.co.uk/mortgages/bad-credit/): Securing a mortgage with bad credit is not an insurmountable challenge when you have the support of a mortgage broker. Goldmanread has access to many bad credit lenders and can guide you through the application process. How can we help you What do we offer? FREE Bad Credit Mortgage Consultation & Advice Complete our form to request a free initial consultation about finding the right mortgage for you. Name*Phone*Email* How can we help?*Please answer to stop spam: 5 + 5 =*7310NameThis field is for validation purposes and should be left unchanged. Table of Contents Add a header to begin generating […]
- [Clive Read, CeMAP](https://goldmanread.co.uk/about/clive-read-mortgage-broker/): Experience Clive Read the Mortgage Broker has been providing financial advice to clients for over 30 years now. In this time he has built up a wide range of experience that his clients can benefit from when they are looking for assistance with their mortgage planning. Prior to focussing purely on mortgages, Clive provided general financial planning advice both in the UK and internationally. This experience has given him a broad understanding of many different types of financial planning scenario’s which he brings into play when advising his clients on their mortgage needs. In 2003 Clive began to specialise in […]
- [Buy-to-let Mortgage Broker in Essex](https://goldmanread.co.uk/mortgages/buy-to-let/): Goldmanread is a leading mortgage broker supporting individuals and limited companies with their buy-to-let mortgage needs. Our experience over many years means that we know the rental market inside out and are able to advise clients on the best way forward when arranging buy-to-let mortgages. How can we help you What do we offer? FREE Buy-to-let Mortgage Consultation & Advice Complete our form to request a free initial consultation about finding the right buy-to-let mortgage for you. Name*Phone*Email* How can we help?*Please answer to stop spam: 5 + 5 =*7310NameThis field is for validation purposes and should be left unchanged. […]
- [Self-employed Mortgage Broker in Essex](https://goldmanread.co.uk/mortgages/self-employed/): At Goldmanread, we are specialists in helping self-employed clients arrange mortgages. Our professional mortgage brokers have access to a wide range of self-employed mortgage lenders across the market. We’ll help you choose between the most competitive mortgages out there. How can we help you What do we offer? FREE Self-employed Mortgage Consultation & Advice Complete our form to request a free initial consultation about finding the right self-employed mortgage for you. Name*Phone*Email* How can we help?*Please answer to stop spam: 5 + 5 =*7310NameThis field is for validation purposes and should be left unchanged. Table of Contents Add a header […]
- [Home Mover Mortgages](https://goldmanread.co.uk/mortgages/home-mover-mortgages/): Whether you’re upsizing, downsizing, or simply looking for a fresh start in a new home, we understand that moving can be a daunting experience. With our expert guidance and years of experience in the finance sector, we are here to help make your home-moving journey seamless and stress-free. How can we help you What do we offer? FREE Home Moving Mortgage Consultation & Advice Complete our form to request a free initial consultation about finding the right home mover mortgage for you. Name*Phone*Email* How can we help?*Please answer to stop spam: 5 + 5 =*7310NameThis field is for validation purposes […]
- [Remortgage Advisors](https://goldmanread.co.uk/mortgages/remortgage/): Established in 2009, Goldmanread is a trusted remortgage expert in Essex. We specialise in providing mortgage advice to professionals and guide them through a structured mortgage process to ensure they secure the best deal for their circumstances. How can we help you What do we offer? FREE Remortgage Consultation & Advice Complete our form to request a free initial consultation about finding the right mortgage for you. Name*Phone*Email* How can we help?*Please answer to stop spam: 5 + 5 =*7310PhoneThis field is for validation purposes and should be left unchanged. Table of Contents Add a header to begin generating the […]
- [First-Time Buyer Mortgages in Essex](https://goldmanread.co.uk/mortgages/first-time-buyer/): It has become increasingly difficult for first-time buyers to take their first step on the property ladder over the past 20 years. This is despite advantages such as reduced stamp duty. Prices have continued to rise whilst affordability checks and lenders’ credit criteria have become more challenging. How can we help you What do we offer? FREE First-Time Buyer Mortgage Consultation & Advice Complete our form to request a free initial consultation about finding the right First-Time Buyer mortgage for you. Name*Phone*Email* How can we help?*Please answer to stop spam: 5 + 5 =*7310PhoneThis field is for validation purposes and […]
- [Holiday Let Mortgages](https://goldmanread.co.uk/mortgages/holiday-let-mortgages/): Helping you gain access to the UK’s leading Holiday Let mortgages. We’ll help you choose the most competitive deal from 100’s of mortgage products. Make your Holiday Home dream a reality and let us help you save time, hassle and money. How can we help you What do we offer? FREE Holiday Let Mortgage Consultation & Advice Complete our form to request a free initial consultation about finding the right holiday let mortgage for you. Name*Phone*Email* How can we help?*Please answer to stop spam: 5 + 5 =*7310PhoneThis field is for validation purposes and should be left unchanged. Table of […]
- [Mortgages for Civil Servants](https://goldmanread.co.uk/mortgages/mortgages-for-professionals/mortgages-for-civil-servants/): Mortgages for Civil Servants Home Contact Us Specialist Mortgage Brokers and Advisors for Civil Servants GR Those working for the Civil Service, both local and national government, may well benefit from favorable access from mortgage lenders to attractive mortgage deals. Schemes are available whether you are a first time buyer or looking to move home or remortgage. The benefits of being employed as a civil servant may mean that your mortgage repayments are lower though that will depend on a combination of other factors such as deposit level and purchase price. Get specialist mortgage advice for Civil Servants How do […]
- [Mortgages for Lawyers](https://goldmanread.co.uk/mortgages/mortgages-for-professionals/mortgages-for-lawyers/): Regardless of whether you are a qualified lawyer, solicitor or barrister, securing a mortgage can often be complex, but at Goldmanread, we specialise in mortgages for legal professionals.
- [Mortgages for Locum Doctors](https://goldmanread.co.uk/mortgages/mortgages-for-professionals/mortgages-for-locum-doctors/): As a Locum Doctor, Goldmanread can help you to find the most beneficial mortgage to suit your career stage and budget.
- [Mortgages for Armed Forces & Millitary](https://goldmanread.co.uk/mortgages/mortgages-for-professionals/mortgages-for-armed-forces-military/): We quite rightly hold our Armed Forces in high regard in the UK. This is especially the case as we increasingly live in uncertain times and our Military act as a stalwart for the country in times of national emergency.
- [Online Listings](https://goldmanread.co.uk/online-listings/): Goldmanread is featured on a wide variety of local websites. 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- [Mortgages for Teachers](https://goldmanread.co.uk/mortgages/mortgages-for-professionals/mortgages-for-teachers/): Goldmanread help all types of education professionals to secure the best mortgages possible, including those from specialist mortgage providers.
- [Mortgages for Nurses](https://goldmanread.co.uk/mortgages/mortgages-for-professionals/mortgages-for-nurses/): As a much valued nurse, either self-employed or an NHS employee, Goldmanread can help you to find the most beneficial mortgage to suit your career stage and budget.
- [Mortgages for NHS staff](https://goldmanread.co.uk/mortgages/mortgages-for-professionals/mortgages-for-nhs-staff/): There are a number of mortgage options available to NHS staff. These include enhanced income multiples for professional NHS workers and affordable housing scheme mortgages under the Key Worker scheme.
- [Mortgages for Key Workers](https://goldmanread.co.uk/mortgages/mortgages-for-professionals/mortgages-for-key-workers/): The importance of key workers in our society has been thrown into stark relief by the pandemic. Those who staff our hospitals, emergency services, care homes etc. have been seen to be absolutely essential to the efficient functioning of our societal infrastructure.
- [Mortgage Broker in Harwich](https://goldmanread.co.uk/essex/mortgage-broker-harwich/): Welcome to Goldmanread mortgage services and advisors Harwich Harwich is a charming, historic town in the Tendring district of Essex with a population of around 18,700. Thanks to its coastal location, at the confluence of the Rivers Stour and Orwell, Harwich historically played a crucial role in the naval defence of England. This maritime heritage can be glimpsed at the Harwich Maritime Museum and landmarks such as The Harwich Redoubt, a circular fortification dating back to the Napoleonic era. Today, Harwich International Port is a significant ferry and cruise port connecting the UK to Europe. It’s also a popular tourist […]
- [Mortgage Broker in Tendring](https://goldmanread.co.uk/essex/mortgage-broker-tendring/): Welcome to Goldmanread mortgage services and advisors Tendring Located in the north-east of Essex, bordered by the River Stour in the north and the River Colne in the south, Tendring District has plenty of appeal to property buyers. Full of history and coastal charm, Tendring is home to vibrant towns and communities such as Clacton-on-Sea, Harwich, Frinton-on-Sea, Manningtree, Mersea and Walton-on-the-Naze. The region is commonly referred to as the Tendring Peninsula. Established in 1974, Tendring District traces its roots back to the ancient Tendring Hundred, named after the small village of Tendring. Its coastal location is a big part of […]
- [Mortgage Broker in Maldon](https://goldmanread.co.uk/essex/mortgage-broker-maldon/): Welcome to Goldmanread mortgage services and advisors Maldon Goldmanread is dedicated to finding the most favourable mortgage deals for our professional clients in Maldon. We believe that as professionals, they deserve an equitably professional service. We help homebuyers in a wide variety of professions, such as solicitors, doctors, teachers and accountants, and take the time to understand their career stage as well as their personal circumstances in order to make informed recommendations. Our clients include first-time buyers and those moving home, as well as investors in second homes and buy-to-let property. They appreciate our considered and intelligent approach to finance […]
- [Mortgage Broker in Epping Forest](https://goldmanread.co.uk/essex/mortgage-broker-epping-forest/): Welcome to Goldmanread mortgage services and advisors Epping Forest Goldmanread is dedicated to finding the most favourable mortgage deals for our professional clients in Epping Forest. We believe that as professionals, they deserve an equitably professional service. We help homebuyers in a wide variety of professions, such as solicitors, doctors, teachers and accountants, and take the time to understand their career stage as well as their personal circumstances in order to make informed recommendations. Our clients include first-time buyers and those moving home, as well as investors in second homes and buy-to-let property. They appreciate our considered and intelligent approach […]
- [Mortgage Broker in Braintree](https://goldmanread.co.uk/essex/mortgage-broker-braintree/): Welcome to Goldmanread mortgage services and advisors Braintree Goldmanread is dedicated to finding the most favourable mortgage deals for our professional clients in Braintree. We believe that as professionals, they deserve an equitably professional service. We help homebuyers in a wide variety of professions, such as solicitors, doctors, teachers and accountants, and take the time to understand their career stage as well as their personal circumstances in order to make informed recommendations. Our clients include first-time buyers and those moving home, as well as investors in second homes and buy-to-let property. They appreciate our considered and intelligent approach to finance […]
- [Mortgage Broker in Clacton-on-Sea](https://goldmanread.co.uk/essex/mortgage-broker-clacton-on-sea/): Welcome to Goldmanread mortgage services and advisors Clacton-on-Sea Goldmanread is dedicated to finding the most favourable mortgage deals for our professional clients in Clacton-on-Sea. We believe that as professionals, they deserve an equitably professional service. We help homebuyers in a wide variety of professions, such as solicitors, doctors, teachers and accountants, and take the time to understand their career stage as well as their personal circumstances in order to make informed recommendations. Our clients include first-time buyers and those moving home, as well as investors in second homes and buy-to-let property. They appreciate our considered and intelligent approach to finance […]
- [Mortgage Broker in Brentwood](https://goldmanread.co.uk/essex/mortgage-broker-brentwood/): [lwptoc toggle=”1″ hideItems=”1″] Welcome to Goldmanread mortgage services and advisors Brentwood Goldmanread is dedicated to finding the most favourable mortgage deals for our professional clients in Brentwood. We believe that as professionals, they deserve an equitably professional service. We help homebuyers in a wide variety of professions, such as solicitors, doctors, teachers and accountants, and take the time to understand their career stage as well as their personal circumstances in order to make informed recommendations. Our clients include first time buyers and those moving home, as well as investors in second homes and buy-to-let property. They appreciate our considered and […]
- [Mortgage Broker in Thurrock](https://goldmanread.co.uk/essex/mortgage-broker-thurrock/): [lwptoc toggle=”1″ hideItems=”1″] Welcome to Goldmanread mortgage services and advisors Thurrock Goldmanread is dedicated to finding the most favourable mortgage deals for our professional clients in Thurrock. We believe that as professionals, they deserve an equitably professional service. We help homebuyers in a wide variety of professions, such as solicitors, doctors, teachers and accountants, and take the time to understand their career stage as well as their personal circumstances in order to make informed recommendations. Our clients include first time buyers and those moving home, as well as investors in second homes and buy-to-let property. They appreciate our considered and […]
- [Mortgage Broker in Harlow](https://goldmanread.co.uk/essex/mortgage-broker-harlow/): [lwptoc toggle=”1″ hideItems=”1″] Welcome to Goldmanread mortgage services and advisors Harlow Goldmanread is dedicated to finding the most favourable mortgage deals for our professional clients in Harlow. We believe that as professionals, they deserve an equitably professional service. We help homebuyers in a wide variety of professions, such as solicitors, doctors, teachers and accountants, and take the time to understand their career stage as well as their personal circumstances in order to make informed recommendations. Our clients include first time buyers and those moving home, as well as investors in second homes and buy-to-let property. They appreciate our considered and […]
- [Mortgage Broker in Rochford](https://goldmanread.co.uk/essex/mortgage-broker-rochford/): Welcome to Goldmanread mortgage services and advisors Rochford Goldmanread is dedicated to finding the most favourable mortgage deals for our professional clients in Rochford. We believe that as professionals, they deserve an equitably professional service. We help homebuyers in a wide variety of professions, such as solicitors, doctors, teachers and accountants, and take the time to understand their career stage as well as their personal circumstances in order to make informed recommendations. Our clients include first-time buyers and those moving home, as well as investors in second homes and buy-to-let property. They appreciate our considered and intelligent approach to finance […]
- [Mortgage Broker in Basildon](https://goldmanread.co.uk/essex/mortgage-broker-basildon/): Welcome to Goldmanread mortgage services and advisors Basildon Goldmanread is dedicated to finding the most favourable mortgage deals for our professional clients in Basildon. We believe that as professionals, they deserve an equitably professional service. We help homebuyers in a wide variety of professions, such as solicitors, doctors, teachers and accountants, and take the time to understand their career stage as well as their personal circumstances in order to make informed recommendations. Our clients include first-time buyers and those moving home, as well as investors in second homes and buy-to-let property. They appreciate our considered and intelligent approach to finance […]
- [Mortgage Broker in Uttlesford](https://goldmanread.co.uk/essex/mortgage-broker-uttlesford/): Welcome to Goldmanread mortgage services and advisors Uttlesford Goldmanread is dedicated to finding the most favourable mortgage deals for our professional clients in Uttlesford. We believe that as professionals, they deserve an equitably professional service. We help homebuyers in a wide variety of professions, such as solicitors, doctors, teachers and accountants, and take the time to understand their career stage as well as their personal circumstances in order to make informed recommendations. Our clients include first-time buyers and those moving home, as well as investors in second homes and buy-to-let property. They appreciate our considered and intelligent approach to finance […]
- [Mortgage Broker in Chelmsford](https://goldmanread.co.uk/essex/mortgage-broker-chelmsford/): Welcome to Goldmanread mortgage services and advisors Chelmsford Goldmanread is dedicated to finding the most favourable mortgage deals for our professional clients in Chelmsford. We believe that as professionals, they deserve an equitably professional service. We help homebuyers in a wide variety of professions, such as solicitors, doctors, teachers and accountants, and take the time to understand their career stage as well as their personal circumstances in order to make informed recommendations. Our clients include first-time buyers and those moving home, as well as investors in second homes and buy-to-let property. They appreciate our considered and intelligent approach to finance […]
- [Mortgage Broker in Southend-on-Sea](https://goldmanread.co.uk/essex/mortgage-broker-southend-on-sea/): Southend-on-Sea
- [Mortgage Broker in Colchester](https://goldmanread.co.uk/essex/mortgage-broker-colchester/): Welcome to Goldmanread mortgage services and advisors Colchester Goldmanread is dedicated to finding the most favourable mortgage deals for our professional clients in Colchester. We believe that as professionals, they deserve an equitably professional service. We help homebuyers in a wide variety of professions, such as solicitors, doctors, teachers and accountants, and take the time to understand their career stage as well as their personal circumstances in order to make informed recommendations. Our clients include first-time buyers and those moving home, as well as investors in second homes and buy-to-let property. They appreciate our considered and intelligent approach to finance […]
- [Mortgages for Doctors](https://goldmanread.co.uk/mortgages/mortgages-for-professionals/mortgages-for-doctors/): A good mortgage broker should be able to help arrange mortgage finance for medical professionals.
- [Mortgages for Company Directors](https://goldmanread.co.uk/mortgages/mortgages-for-professionals/mortgages-for-company-directors/): As a limited company director, you may be under the impression that it is difficult to secure a mortgage, or that you need to consult a specialist provider. That is no longer the case but it is advisable to consult a mortgage broker to find the most competitive deals, as there are some crucial differences to how these types of mortgages are assessed.
- [Terms & Conditions](https://goldmanread.co.uk/terms-conditions/): Our terms and conditions Jurisdiction for use: This site is intended for use only by those who can access it from within the UK. Governing law: This site is governed by the laws of the country of the UK within which you reside and any dispute or action arising out of this site shall be determined in accordance with such laws. Accuracy and Validity of Information: Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, it is nonetheless supplied on an “as is” basis and accordingly we do not accept […]
- [Blog](https://goldmanread.co.uk/blog/): Mortgage Blog & Advice Information contained within blogs posts was correct at time of publication and is subject to change. All Bad Credit Mortgages Essex First-Time Buyers Fraud Awareness HMO Home Mover Mortgages Mortgage News Mortgage Rates Mortgage Support Mortgage tips Mortgages Mortgages for holiday letting Mortgages for Professionals Property Investment Refurbishment mortgages Remortgage Self-employed Mortgages Stamp Duty Essex Should you rent or buy in Essex? Those looking for a place to live in Essex face the big decision: should you rent or buy? With average property prices rising, renting has … Read More → HMO Can you convert a […]
- [Mortgage Brokers & Advisors Essex](https://goldmanread.co.uk/essex/): Essex Mortgage Brokers & Advisors Goldmanread is a trusted mortgage broker and advisor in Essex. We offer mortgage advice to all kinds of buyers and also specialise in mortgages for professionals, such as accountants and key workers.  Ask for Mortgage Advice Call on 0330 127 1489 Request a call back Complete our form to request a free initial consultation about finding the right professional mortgage for you. Thanks for your enquiry, we will be in touch soon. Name*Phone*Email* How can we help?*Please answer to stop spam: 5 + 5 =*7310EmailThis field is for validation purposes and should be left unchanged. GR Helping you find […]
- [Form Success](https://goldmanread.co.uk/form-success/): Thank you for your enquiry Thanks for your enquiry, we will be in touch soon GR We look forward to speaking with you soon about your individual mortgage needs. If you have an urgent query, please call us on 0208 133 3058
- [Reviews](https://goldmanread.co.uk/reviews/):  5/5 Mortgage Broker Reviews We have many genuine 5 star Google reviews and regularly receive lots of positive feedback from our clients about the advice and service we provide. Goldmanread Customer Reviews GR We are proud that our clients have decided to return to us time and again and are more than happy to recommend their friends, work colleagues and family. We believe that any business that wants to be around for the long term can only do this by offering outstanding service. This means that clients return repeatedly and are happy to spread the word about the quality […]
- [Home](https://goldmanread.co.uk/): Welcome to Goldmanread Mortgage Services Essex based Mortgage Brokers & Advisors for Professionals We are trusted and experienced mortgage brokers offering independent advice to all sorts of homebuyers, landlords and property investors in Essex and beyond. We have particular expertise in helping professionals and the self-employed find mortgages for their unique circumstances. Our mortgage services Mortgages for Profesionals Ask for mortgage advice Please complete our form to request a free initial consultation about finding the right mortgage for you. Thanks for your enquiry, we will be in touch soon. Name*Phone*Email* How can we help?*Please answer to stop spam: 5 + […]
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- [About](https://goldmanread.co.uk/about/): About Goldmanread Contact Us GR Established in 2009, Goldmanread is a mortgage and insurance broker based in Essex, specialising in mortgages for professionals. Built on years of experience in the finance sector, our aim has been clear from the start – to find the best mortgage deals for professionals based on their individual needs, while offering the highest level of personal service.  Learn More About Clive Welcome from Clive Read Managing Director at Goldmanread Hi, and welcome to Goldmanread Mortgage Brokers. I set up the company in 2009 as I wanted to create an organisation which had a laser focus […]
- [Life Insurance Brokers in Essex](https://goldmanread.co.uk/life-insurance-brokers/): When embarking on a new mortgage it is essential to think about protecting yourself and your family, should you become unable to make repayments. Goldmanread is a professional life insurance broker in Essex and we can take care of all of your insurance requirements related to taking out a mortgage. How can we help you What do we offer? Life Insurance Consultation & Advice Complete our form to request an initial consultation about finding the right life insurance for you. Name*Phone*Email* How can we help?*Please answer to stop spam: 5 + 5 =*7310EmailThis field is for validation purposes and should […]
- [Mortgages for Professionals](https://goldmanread.co.uk/mortgages/mortgages-for-professionals/): Mortgages for Professionals At Goldmanread, we specialise in securing professional mortgages for our clients, including accountants, doctors and teachers. If you are looking for a professional mortgage in Essex or beyond, we can take the weight off your shoulders and research the best deal for your circumstances and profession. Home Contact Us We specialise in securing mortgages for professionals GR When searching for the best professional mortgage, the key is knowing which mortgage lender to approach. Many professional mortgage products are available tailored to specific careers, such as teachers, nurses, and key workers. These products offer benefits like higher loan-to-value […]
- [Mortgage Broker Services](https://goldmanread.co.uk/mortgages/): Mortgage Broker Services for Professionals, by Professionals Based on years of financial expertise, we not only offer a comprehensive mortgage broker service, we can offer you sound financial advice on all aspects of buying a property. Ask for mortgage Advice Mortgages for Professionals Our key mortgage services GR Our main aim is to secure you the most favourable mortgage and streamline the entire process of securing a loan. Beyond that, we can help you with other property-buying services, such as finding the right insurance policies and accessing other trusted property professionals. Your home may be repossessed if you do not […]
- [Contact](https://goldmanread.co.uk/contact/): Contact Goldmanread Mortgages Get in touch with the team today Through our wide range of connections gained over many years in the Financial Services Industry we can assist you in finding the very best mortgage to suit your individual needs. 0330 127 1489 cliveread@goldmanread.co.uk GR Why should you choose Goldmanread for your professional mortgage? Free Initial Consultation An initial discussion to ascertain your mortgage priorities. We concentrate on finding you the most competitive rate with a lender who is happy to assist at the loan size you require. We offer a comprehensive range of first charge and second charge mortgages […]


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