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London & Essex Mortgage Market Ltd

Mortgage Brokers · Hornchurch, London · Est. 2014

12 years

Active Trading

Active

CH Status

08870282

Company No

2025

Accounts to

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Company Registration Details

Registered company name	London & Essex Mortgage Market Ltd
Companies House number	08870282 →
Company type	Private Limited Company (Ltd)
Registered address	Spectrum House 2b Suttons Lane, RM12 6RJ
City / Region	Hornchurch, London
Date incorporated	2014
Years trading	12 years
CH status	Active
Specialism	Recorded activity: 74909
Index status	Claim this listing →

About London & Essex Mortgage Market Ltd

Founded in 2014, London & Essex Mortgage Market Ltd has been active for 12 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.

It is one of 726 mortgage brokers listed in London on this index of 5754 UK firms in the category.

Always confirm current authorisation on the FCA register before proceeding; it also records past regulatory action.

What Mortgage Brokers Do

Mortgage brokers arrange lending between borrowers and banks or building societies, matching an application to lenders likely to accept it. Whole-of-market firms compare products across the full lending landscape, while panel-based firms work from a defined set of lenders.

Broker knowledge earns its keep on non-standard cases: self-employed income, adverse credit, unusual construction or large loans.

How to Choose the Right Mortgage Broker

A generalist suits standard purchases; self-employed income, adverse credit or unusual property calls for a specialist. Two questions filter quickly: what is your lender access, and when did you last place a case like mine?

Payment usually comes from the lender at completion, sometimes supplemented by a client fee agreed in advance.

Frequently Asked Questions

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

You can approach any lender yourself. What a broker adds is market coverage and criteria knowledge, which shows its value on higher loan sizes, complex income or previously declined applications.

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?

The standard pack covers ID, proof of address, three to six months of bank statements, income evidence appropriate to your employment type, and your current credit commitments; specific lenders add their own requirements.

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

Mainstream lenders typically issue an offer within two to six weeks of submission; specialist cases run longer. Active case management, chasing the lender and resolving queries promptly, is where a firm shortens the timeline.

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

Often yes. Post-decline placement is a recognised specialism: the task is matching your circumstances to a lender whose published and unpublished criteria accept them.

Other Mortgage Brokers in Hornchurch

Uk Consultancy, Compliance And Brokerage LtdHornchurch · Est. 2017	View →
Moss & Coleman Equity Release LimitedHornchurch · Est. 2023	View →

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Important notice: Data on this page comes from the public Companies House register. Kaeltripton.com is an independent directory service, unaffiliated with London & Essex Mortgage Market Ltd or any listed firm. 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.

London & Essex Mortgage Market Ltd | Mortgage Brokers | Hornchurch | Est. 2014