Financial Index › Mortgage Broker Index › Central Mortgages (Essex) Ltd

Mortgage Brokers UNCLAIMED LISTING

Central Mortgages (Essex) Ltd

Mortgage Brokers · Billericay, Rest of UK · Est. 2003

23 years

Active Trading

Active

CH Status

05003846

Company No

2025

Accounts to

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Company Registration Details

Registered company name	Central Mortgages (Essex) Ltd
Companies House number	05003846 →
Company type	Private Limited Company (Ltd)
Registered address	Lakeview House 4 Woodbrook Crescent, CM12 0EQ
City / Region	Billericay, Rest of UK
Date incorporated	2003
Years trading	23 years
CH status	Active
Specialism	Recorded activity: 82990 (other business support services)
Index status	Claim this listing →

About Central Mortgages (Essex) Ltd

Founded in 2003, Central Mortgages (Essex) Ltd has been active for 23 years — a period that spans significant change in the UK financial services landscape, including post-financial crisis regulatory reform, digital transformation and the economic disruption of recent years. The firm's continued active status through this period reflects operational stability.

The Kaeltripton Financial Index records 5754 mortgage brokers nationally, 823 of them in the UK.

Authorisation is checkable free at register.fca.org.uk; an unauthorised firm cannot lawfully arrange your mortgage.

What Mortgage Brokers Do

A broker translates your financial position into a lender match, handling product selection and the application itself. Firms differ in market coverage, and FCA rules require that coverage to be disclosed at the outset of advice.

Complex circumstances are where intermediation matters most, because lender criteria diverge sharply off the mainstream.

How to Choose the Right Mortgage Broker

A generalist suits standard purchases; self-employed income, adverse credit or unusual property calls for a specialist. A short scoping call establishes lender access, typical turnaround and whether the firm has an appetite for your case.

FCA rules require the fee model, lender-paid, client-paid or both, to be set out before advice proceeds.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?

Going direct works for straightforward cases with a lender you already fit. The case for a broker is breadth: many lenders' criteria compared simultaneously, and knowledge of which specialist lenders accept cases the high street declines.

How much does a mortgage broker charge?

Many firms are paid entirely by the lender through a procuration fee, so no client charge applies; others add a client fee, particularly for complex work. Whatever the model, it must be disclosed clearly before you commit.

What documents do I need to provide to a mortgage broker?

Expect to provide identity and address proof, recent bank statements, payslips or accounts if self-employed, details of existing credit commitments, and information on the property. The firm will confirm the exact list for your lender.

How long does the mortgage process take when using a broker?

From application to offer is commonly two to six weeks with mainstream lenders, longer for specialist lending. A firm that manages the lender relationship actively can compress that materially.

Can a mortgage broker help if I have been declined by a lender?

Yes, and this is where criteria knowledge earns its fee: lenders differ sharply on credit history, income types and property construction, and a decline at one lender often converts to an approval at another with the right placement.

Other Mortgage Brokers in Billericay

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Central Mortgages LimitedBillericay · Est. 2015	View →
Central Mortgage Packaging LimitedBillericay · Est. 2007	View →

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Important notice: The information on this page is drawn from the Companies House public register. Kaeltripton.com operates as an independent directory and has no affiliation with Central Mortgages (Essex) Ltd or any firm listed. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

Central Mortgages (Essex) Ltd | Mortgage Brokers | Billericay | Est. 2003