At MDJ Mortgages, we’re proud to be the trusted choice for homebuyers and homeowners in Oakley and the surrounding areas. Whether you’re purchasing your first property, moving home, remortgaging, or looking for specialist advice, our friendly and experienced team is here to help.
If you’re looking for a professional mortgage broker in Oakley or the surrounding areas that residents can rely on, we offer clear, honest, and personalised guidance to ensure you find the right mortgage for your needs. Our approachable style means you’ll always feel supported, from the very first conversation to the day your keys are in your hand.
We hope that you will never have cause to complain but if you do and you wish to register a complaint, please contact our network;
In writing: Stonebridge Mortgage Solutions Ltd.
Regency House, Miles Gray Road,
Basildon, Essex, SS14 3FR
By telephone: 0345 646 5505
By email: complaints@stonebridgegroup.co.uk
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
MDJ Mortgages is an appointed representative of Stonebridge which is a trading style of Stonebridge Mortgage Solutions Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Stonebridge Mortgage Solutions Limited, 9 Lords Court, Basildon, Essex, SS13 1SS. Registered in England and Wales. Registered Number 5601592.
We are also regulated by the Financial Conduct Authority, FCA no: 949077. You can view the FCA register here
We may charge a fee for the arrangement of your mortgage, but the precise amount will depend on your circumstances. We may also charge a fee for equity release products. All fees will be disclosed at the initial appointment’
You may have to pay and early repayment charge to your existing lender if you remortgage.
As with all insurance policies, conditions and exclusions will apply.
A lifetime mortgage is a long-term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate.
*Your home may be repossessed if you do not keep up repayments on your mortgage.
Banks and building societies change their mortgage rates quite frequently so it is always best to shop around when looking for the best deals. But while low interest rates are attractive, they are not the only consideration. You should also factor in the type of deal you want – such as a fixed or variable rate mortgage – the fees attached to the deal, plus how long you want to be tied into the loan.
A mortgage in principle or an agreement in principle is confirmation of how much a bank or building society is prepared to lend to you based on the information you’ve provided. This can help show that you’re ready to buy when it comes to making an offer on a property. But it’s important to remember that a mortgage in principle is not a guarantee. A lender can still refuse or reduce the amount at the point you come to make a full mortgage application as at this time it will assess your full credit history and financial situation. Contact us and we can help you obtain a mortgage in principle.
The amount of mortgage you can afford is based on your income and any financial commitments you already have.
MDJ Mortgages can provide you with an accurate assessment of your affordability across the main lenders.
Whether a lender will let you borrow this amount will also depend on your credit history, the size of your cash deposit and the length of the mortgage term.
We typically charge a fee of £295 for the arrangement of your mortgage, but the precise amount will depend on your circumstances and will be discussed at the initial appointment. The fee will not exceed £1,000 or 3% of the loan amount.
No fee is charged for the initial appointment.
Your home may be repossessed if you do not keep up repayments on your mortgage.
A lifetime mortgage is a long term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate.
