Mortgage Central Ltd

25/04/2025

37% of UK workers over estimate the monthly cost of income protection and life cover policies*. This highlights a significant gap between perceived cost and reality, meaning many are missing out because of misconceptions around price.

An insurance policy could provide you with valuable peace of mind and we’re here to talk you through both the product options available and accurate costings.

📧[email protected]
📞01255 862562
🏡Mortgage Central Team, Little Clacton

* https://www.the-exeter.com/news/44-of-uk-workers-overestimate-the-cost-of-income-protection-life-cover-and-cash-plan-policies - Data from 2023

12/03/2025

Selecting a mortgage is an important decision, especially when it could help you save money, which is why we’re here to help you understand how they work, and which option is right for you.

Arrange a chat with a member of our team to learn more, whether it’s a remortgage or a first home, we’re here to help.

📧 [email protected]
📞 01255 862562
🏡 Mortgage Central Team, Little Clacton

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

17/02/2025

The current Bank of England base rate is 4.5%, the lowest base rate since June 2023*
What does this mean for you?

If you’re a homeowner with a remortgage due soon:

Get in touch with us today to start looking for your new mortgage deal. You could lock in a new rate ready for your renewal and we will do all the leg work for you to ensure we find the most suitable product for your needs.

Don’t underestimate the power of using a broker; we have access to exclusive rates not available on the high street, which could save you a lot of money over time.

📞01255 862562
📧[email protected]
🏡Mortgage Central Team, Little Clacton

*https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT. A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES

We set Bank Rate to influence other interest rates. We use our influence to keep inflation low and stable.

30/01/2025

While a larger deposit can get you better rates, many mortgages are available with lower deposits.

95% Loan-to-Value (LTV) mortgages only require you to put down a 5% deposit.

You can get an idea of how much deposit you would need to put down by talking to a broker about your individual circumstances.

Contact us for a friendly chat with one of our advisors:

📧 [email protected]
📞01255 862562
🏡 Mortgage Central Team, Little Clacton

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY DEBTS SECURED ON IT. A FEE MAY BE CHARFED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

10/01/2025

If your income ceased due to an illness or injury, what would this mean for you and your family’s lifestyle over:

1 month?
6 months?
1 year?
5 years?
10 years?

If you don’t know the answer, perhaps it’s time to talk to a member of our team about the ways you can protect your income.

📞01255 862562
📧 [email protected]

🏡 Mortgage Central Team, Little Clacton

08/01/2025

The countdown is on for beating the change in stamp duty rates.

Stamp duty rates will return to their previous thresholds from the 1st of April 2025. Buyers have limited time to conclude a purchase by this deadline.

You can speak to a member of our team on 01255 862562 or email us at [email protected] to discuss your mortgage needs.

https://www.gov.uk/stamp-duty-land-tax/residential-property-rates

🏡 Mortgage Central Team, Little Clacton

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.
A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

06/12/2024

Our office will be closed between Christmas and New year. Your mortgage advisor will be contactable on their mobile and email if you have an existing case going through during this period.

Christmas Opening Hours

23rd December 9am-5pm
24th December 9am-12noon

25th December-1st January Office Closed

Our office reopens on Thursday 2nd January.

If your looking at moving or your mortgage is coming up for renewal, get in touch to discuss the different options available with our friendly team of advisors.

📞01255 862562
📧 [email protected]
🏡 Mortgage Central Team, Little Clacton

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUT WILL DEPEND ON YOUR CIRCUMSTANCES.

01/12/2024

If a great mortgage deal is top of your wishlist this Christmas, our experts have access to exclusive deals and lenders that are not always available on the high street.

We will search our panel of lenders whilst considering your personal circumstances and presenting the most suitable solution for you.

We have access to a whole of market lender panel and it is our aim to ensure that we provide a competitive deal for you. It can be with your current lender or with a new lender – depending on what suits your personal needs.

📞01255 862562
📧[email protected]
🏡 Mortgage Central Team, Little Clacton

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

22/11/2024

A Whole of Market mortgage broker is able to offer a much wider range of products, representative of the entire market, as opposed to a mortgage adviser that is tied to a specific lender or a limited list of lenders.

Here at Mortgage Central we are here to help you navigate the complex world of mortgages. We understand that every situation is unique so we work with a wide range of lenders to help you get the most suitable deal for your circumstances.

Get in touch for a friendly chat with one of our advisors

📞 01255 862562
📧 [email protected]
🏡Mortgage Central Team, Little Clacton

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY DEBTS SECURED ON IT.

A FEE MAY BE CHANGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

12/11/2024

Have you seen our new advert yet?

Check it out on Carnarvon Road to see us up on the big screen!!

📞01255 862562
📧 [email protected]
🏡Mortgage Central Team, Little Clacton

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

08/11/2024

The Monetary Policy Committee ( MPC ) voted yesterday 8-1 to reduce the base rate by 0.25% to 4.75% (November 2024*)

If your looking at moving or your mortgage is coming up for renewal get in touch with us today to discuss the different options available with our friendly team of advisors.

📞01255 862562
📧[email protected]
🏡Mortgage Central Team, Little Clacton

https://www.financialreporter.co.uk/bank-of-england-reduces-interest-rates-to-475.html

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT. A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES

23/10/2024

Jargon Buster: What is a tracker rate mortgage?

A tracker mortgage is a type of variable rate mortgage which “tracks” a base rate – usually the Bank of England’s base rate. If you get a tracker mortgage, your mortgage repayments (including the interest you pay on your mortgage) could change every month.

What’s the difference between a tracker mortgage and a variable mortgage?

If you have a variable mortgage, a mortgage lender can set their own variable rate. However, a tracker mortgage normally follows the Bank of England’s base rate – which they don’t control.

We research the whole market when helping ascertain the most suitable deal for you.

Get in touch for a conversation today

📞 01255 862562
📧 [email protected]
🏡 Mortgage Central Team, Little Clacton

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.