Freedom Mortgage & Protection Services
Chelmsford
Mortgage advice covering buy-to-let, first-time buyers, residential. Freedom Mortgage & Protection Services charges a broker fee.
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About Freedom Mortgage & Protection Services
Freedom Mortgage & Protection Services is a UK mortgage broker based in Chelmsford. Its website describes mortgage advice for residential mortgages, buy-to-let, first-time buyers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Freedom Mortgage & Protection Services works across buy-to-let, first-time buyers and residential from Chelmsford — a focused listing led by buy-to-let work.
Buy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. The firm covers first purchases too, so first-time landlords should not be turned away for having no rental history.
Read the buy-to-let guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see.
Read the first-time buyers guideResidential
Standard residential advice covers buying, moving and remortgaging on your own home — the bulk of UK mortgage lending, and the area where switching deal at the right moment usually saves the most. This firm keeps landlord lending separate, so be clear which of the two you need when you call.
Read the residential guideFees: what this means for you
Charges a broker fee
You pay this firm for its advice on top of the lender's product fee, valuation and legal costs. Ask for the amount, the point at which it becomes payable and whether it is refundable if the case falls through — firms must disclose this before you commit. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Freedom Mortgage & Protection Services
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2What is your fee, when is it payable, and do I get it back if the application does not complete?
- 3How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 4What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 5Based on my income and commitments, what is the realistic maximum here, and when should I be starting the next remortgage?
- 6Do you see clients at your Chelmsford office, or is this handled by phone and video?
Getting in touch with Freedom Mortgage & Protection Services
Freedom Mortgage & Protection Services lists a phone number alongside its own website, so you can either call or start with an online enquiry.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
Does Freedom Mortgage & Protection Services charge a fee for mortgage advice?
Yes. Freedom Mortgage & Protection Services is listed as fee-charging, so you pay the firm for its advice in addition to lender and legal costs. Ask for the exact amount, when it becomes payable and whether you get it back if the application does not complete. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
What types of mortgage does Freedom Mortgage & Protection Services handle?
Freedom Mortgage & Protection Services records buy-to-let, first-time buyers and residential, working from Chelmsford. Ask anyway if your case sits outside that list.
Does Freedom Mortgage & Protection Services arrange buy-to-let mortgages?
Yes — buy-to-let is one of the areas Freedom Mortgage & Protection Services lists. How much you can borrow is set mainly by the rent the property will achieve against a lender's stress rate, not by your income. Ask about limited-company lending too, since the tax treatment differs and the rates usually do as well.
Does Freedom Mortgage & Protection Services only cover Chelmsford?
Freedom Mortgage & Protection Services is listed in Chelmsford, but UK brokers are not restricted to their own area and most advise nationally by phone or video.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.