Bright Future Mortgages

Bright Future Mortgages - Chelmsford Broker | Mortgage118

Team Members

Meet our experienced team of mortgage professionals

Charlotte Harris

Mortgage Adviser

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Daniel Evans

Protection Specialist

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About Bright Future Mortgages

At Bright Future Mortgages, I specialise in guiding individuals and families through the residential mortgage process, ensuring that each client feels informed and confident in their decisions. Based in Chelmsford, I have a deep understanding of the local property market and the unique challenges it presents. My approach centres on clear communication and in-depth analysis, allowing me to navigate the complexities of mortgage options effectively. The mortgage landscape can be overwhelming, with numerous products and lenders available. I take pride in breaking down this complexity, offering insights into various mortgage types, including fixed-rate, variable-rate, and Help to Buy schemes. I focus on helping clients assess their financial situation, ensuring they understand the implications of their choices. By gathering detailed information about your needs and circumstances, I can provide recommendations that align with your goals, whether you are a first-time buyer, looking to remortgage, or buying an investment property. My process is designed to be straightforward and transparent. I conduct thorough assessments to align your financial profile with potential lenders, ensuring you have a comprehensive understanding of what to expect. Throughout the mortgage application journey, I will keep you informed at every stage, helping you navigate paperwork and deadlines with ease. My commitment is to empower you, providing the tools and knowledge you need to make informed decisions about your mortgage. In addition to my core focus on residential mortgages, I stay current with market trends and changes in lending criteria, allowing me to provide relevant and timely advice. I understand that each client's situation is unique, and I am here to provide support tailored to your specific needs. My aim is to facilitate a smooth and efficient mortgage process, ultimately helping you secure the home of your dreams.

Specialisations

No specialisations listed.

Languages Spoken

🇬🇧English

Reviews & Ratings

Google

5(142 reviews)

Michael Travers

15 Feb 2026

Oliver at Bright Future was brilliant in getting me an agreement in principle at short notice and then getting the mortgage offer sorted quickly. He was knowledgeable, and very responsive to emails throughout the process and would recommend his services to anyone.

Rachel Newham

8 Jan 2026

This is my 2nd experience with Oliver at Bright Future mortgages. Oliver contacted me around 18 months of my initial re-mortgage with him to advise me I can re mortgage again and significantly reduce my monthly outgoings and be in a position to have a portal mortgage to tie in with my future plans. Oliver is nothing short of the upmost professional, knowledgeable and trust worthy and has done a fabulous job helping me. As long as I have a mortgage, I would choose Oliver over and over again, and wish his business the very best of success in the future.

Steven Meilen

7 Nov 2025

I had an excellent experience with Oliver, I used price comparison websites to find the best deal and it was the same price to go with the broker. I am strong when it comes to numbers and finances and after all my conversations with Oliver, all of his suggestions/ advice were totally rationale and in my best interests. He clearly demonstrated a deep understanding of compound interest, reducing overall interest payments and reducing risk, in addition to the specific rules around mortgages. He processed everything extremely efficiently and was readily available over the phone. I would recommend to use him and I would use him again in the future. Many thanks!

Philip Holland

6 Nov 2025

After going through a very difficult divorce, I asked Oliver to provide my mortgage capacity report and handle my subsequent mortgage application. Throughout the process, Oliver has been professional, compassionate, efficient, and highly responsive to any queries or questions I had. He took the time to understand my employment situation and was able to recommend the most suitable mortgage providers for my circumstances. I cannot recommend Oliver highly enough — the service I received was truly outstanding.

James Hawes

25 Oct 2025

We couldn’t recommend Bright Future Mortgage Advisors enough! Oliver was amazing throughout the whole process. He gave us clear information, options and advice from the start of the application to the end. He was always available to take our calls and answer our questions and gave us regular updates. We are very grateful to have had Oliver’s expertise and he made everything so smooth for us. Thank you!