How many mortgage brokers are in Chelmsford?

41 FCA-regulated firms are listed for Chelmsford. Common focus areas include Buy-to-Let, Commercial, Bridging, Adverse Credit, Holiday Lets.

Why use a mortgage broker in Chelmsford instead of only my bank?

Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Chelmsford often know which underwriters are comfortable with nearby property types and survey quirks. First-time buyers should look at Help to Buy alternatives and shared ownership schemes still available through local housing associations. A broker can navigate the various schemes specific to this region.

What does mortgage advice typically cost in Chelmsford?

Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.

What should I check before choosing a broker in Chelmsford?

Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Commercial, Bridging), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Can I get a mortgage in Chelmsford with adverse credit?

Often yes. Chelmsford has advisers who work with specialist lenders when high-street banks say no. Earlier advice usually means more routes stay open.

Mortgage Brokers in Chelmsford, East of England

Q: What do typical property prices look like in Chelmsford?

The average price in our data is £383,278 (up 3.3% year-on-year). The East of England saw 1.5% growth in 2025. Cambridge continues to outperform on prices, while areas like Suffolk and Norfolk offer better value. New-build developments along transport corridors are expanding the commuter belt.

About Chelmsford

Plain-English context for buyers and people remortgaging — what the market looks like, how advice works here, and what to do next.

Compact table of top mortgage brokers in Chelmsford
#	Broker	Verified	Rating
1	Simply Lending Great Baddow	Unverified	5.0 (25)
2	WIS Mortgages and Insurance services	Unverified	5.0 (2)
3	Jake Harrington Mortgage Advice	Unverified	5.0 (1)
4	Jade Timson-Proud - The Mortgage Mum	Unverified	5.0 (28)
5	Charles Derby Mortgage Bureau Ltd	Unverified	5.0 (1)
6	Edmund Carr LLP	Unverified	5.0 (2)
7	Bright Future Mortgage Advisors - No Broker Fees	Unverified	5.0 (137)
8	Elite Business Funding Ltd	Unverified	5.0 (15)
9	Herts and Essex Mortgage Solutions	Unverified	5.0 (3)
10	Dan Elliott Fort Advice Bureau	Unverified	5.0 (14)

Local snapshot

Chelmsford (East of England) lists 41 FCA-regulated mortgage brokers on Mortgage118. Typical sold prices here average £383,278 — up 3.3% year-on-year.

The East of England saw 1.5% growth in 2025. Cambridge continues to outperform on prices, while areas like Suffolk and Norfolk offer better value. New-build developments along transport corridors are expanding the commuter belt.

What local advisers focus on

Together they cover Buy-to-Let, Commercial, Bridging, Adverse Credit, Holiday Lets, Ltd Co — useful whether you are buying for the first time, remortgaging, or building a buy-to-let portfolio.

Quick answers

How many mortgage brokers are in Chelmsford?: 41 FCA-regulated firms are listed for Chelmsford. Common focus areas include Buy-to-Let, Commercial, Bridging, Adverse Credit, Holiday Lets.
What do typical property prices look like in Chelmsford?: The average price in our data is £383,278 (up 3.3% year-on-year). The East of England saw 1.5% growth in 2025. Cambridge continues to outperform on prices, while areas like Suffolk and Norfolk offer better value. New-build developments along transport corridors are expanding the commuter belt.
Why use a mortgage broker in Chelmsford instead of only my bank?: Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Chelmsford often know which underwriters are comfortable with nearby property types and survey quirks. First-time buyers should look at Help to Buy alternatives and shared ownership schemes still available through local housing associations. A broker can navigate the various schemes specific to this region.
What does mortgage advice typically cost in Chelmsford?: Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.
What should I check before choosing a broker in Chelmsford?: Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Commercial, Bridging), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Prices and rates

Typical prices £383,278.

Annual movement about 3.3% (rising).

Mix of home types (averages)

Detached: £685,187
Semi-detached: £427,443
Terraced: £343,923
Flats: £214,636
First-time buyer purchases: £303,920

Borrowing costs in context

The Bank of England Bank Rate is one input to mortgage pricing; see the Bank base rate page on this site for the figure we publish. The deal you are offered still depends on deposit, term, fixed vs variable, and affordability stress tests — not any single headline rate.

Choosing advice

You can compare 41 firms side by side. 1 shows 10+ years trading history.

Collective review score is 4.8/5 across 31 brokers with ratings — use it alongside specialisms and fee transparency.

Strongest demand on our list is for Buy-to-Let, Commercial, Bridging, Adverse Credit. Commercial and development lending options appear on the roster — useful if you are outside vanilla residential.

Street-level detail

Prices moved about 3.3% year-on-year (up), which can affect loan-to-value bands and seller expectations.

On the ground, a good adviser spots survey quirks, lease issues, and lender overlays that postcode-level stats miss.

Most offer a no-obligation first call so you can sense-check strategy before paying anything.

From application to completion

Shortlist two or three firms from the list above that match your situation (Chelmsford is already filtered for you).
Read profiles for fees, specialisms, and how they prefer to work (phone, video, face-to-face).
Book a first call — use it to test clarity and responsiveness, not just the rate quote.
Agreement in Principle (AIP) — when you are ready, your broker can run this so offers carry more weight with agents and vendors.

Find the Best Mortgage Brokers or Advisers in Chelmsford

Directory snapshot — Chelmsford

Need help choosing a broker?

Top 10 mortgage brokers in Chelmsford

Simply Lending Great Baddow

WIS Mortgages and Insurance services

Jake Harrington Mortgage Advice

Jade Timson-Proud - The Mortgage Mum

Charles Derby Mortgage Bureau Ltd

Edmund Carr LLP

Bright Future Mortgage Advisors - No Broker Fees

Elite Business Funding Ltd

Herts and Essex Mortgage Solutions

Dan Elliott Fort Advice Bureau

More areas in East of England

Explore Postcode Districts Near Chelmsford

Market data for Chelmsford

Market data panel