South Essex Mortgages is an FCA-regulated mortgage broker based in Rochford, SS4 1FL, specialising in Buy-to-Let, First Time Buyers, Help to Buy and 2 other areas. Rated 5/5 from 35 reviews.
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Meet our experienced team of mortgage professionals
Bonnie Gilbey
12 Feb 2026I don't often leave reviews, but I couldn't go without leaving a 5 star review for South Essex Mortgages, Specifically Billy! I've just bought my first house and Billy's assistance through it all was nothing short of amazing! He knows his job inside out, was ridiculously fast at getting things done, and was ALWAYS available for any questions I had. I will definitely be using Billy in the future if I ever move house again!
Gordon & Walker Estates
2 Jul 2025We had the pleasure of working with Billy from South Essex Mortgages, and he’s been the best broker we've dealt with to date. His service is professional, knowledgeable, and always client-focused. We were so impressed that we referred a high-net-worth client for a remortgage without hesitation. Billy’s communication is excellent, and he always keeps all parties in the loop. Highly recommend!
Zain Imtiaz
15 Mar 2025I had a fantastic experience working with Billy at South Essex Mortgage. From start to finish, he was incredibly helpful, always taking the time to answer my questions promptly and in a friendly, respectful manner. His expertise and guidance made the entire mortgage process smooth and stress-free. I truly appreciate his dedication and professionalism, and I would highly recommend South Essex Mortgage to anyone looking for expert mortgage advice and support. Thank you, Billy!
Jacob Timothy
23 Nov 2024I’ve had the pleasure of working with Billy Rumsby at South Essex Mortgages on three separate occasions, and I can honestly say the service has been exceptional every time. Billy’s professionalism, knowledge, and attention to detail are second to none. He’s always been incredibly helpful in explaining the mortgage process and finding the best options suited to our needs. Each time, he has gone above and beyond to ensure everything runs smoothly, and I’ve always felt well supported throughout. I wouldn’t hesitate to recommend Billy to anyone looking for expert mortgage advice and a reliable, trustworthy service. Thanks again!!! Jake
josh adams
23 Nov 2024I had the pleasure of working with Billy at South Essex Mortgages, and I couldn't be more impressed with the level of service he provided. Billy is extremely reliable, offering expert advice and support throughout the entire mortgage process. He takes the time to understand your needs and always goes the extra mile to ensure everything runs smoothly. His professionalism and commitment to delivering top-quality service truly set him apart. If you're looking for a mortgage advisor you can trust, I highly recommend Billy at South Essex Mortgages!
No memberships listed.
Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.
The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.
UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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