Welcome, get your best mortgage. For free.

We're here to help you find the right mortgage.

Join other Essex based families who trusted the experienced advice of a Bright Future Mortgage Advisor and had an offer accepted on a property within 24 hours of speaking with us or started their remortgage application on the same day.

We are a trading style of Simply Lending Solutions who have been featured in:

First-Time Buyers

Let's get you on the housing ladder.

5% Deposit mortgages
Shared ownership
Gifted deposit mortgages
Self-Employed (1 years accounts accepted)
Bad credit - up to 5% deposit
Agreement in principle certificate sent out within 24 hrs

Remortgages

Get a better deal elsewhere.

Get the best rates
borrow more for home improvements
Consolidate restraining debts
Bad credit applicants accepted including debt management plans, IVA's and CCJ's
Start your mortgage application straight away

Home movers

Let us help you move to your forever home.

Find out how much you can borrow
Start viewing properties straight away with an agreement in principle certificate.
Get your best rate
Bad credit applicants accepted

Why Bright Future?

Choosing the right lender or mortgage advisor is important. You must ensure that the company your getting your mortgage from is reputable and easy to deal with. This could be the biggest financial decision you ever make.

Feel Safe and Secure - All of advisors are fully qualified
Save money - We do not charge a broker fee.
Get the best deal - Whole of market, 75+ lenders
Make offers within 24hrs - Same day mortgage certificate.
Keep things simple - Solicitor, home & Life insurance help.

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WHAT IS AN AGREEMENT IN PRINCIPLE?

An agreement in principle (AIP) is the first step to getting a mortgage, it lets you know how much you can borrow. Estate agents often ask to see an AIP. It shows that you're serious about buying.

WHY DO SOME LENDERS OFFER LESS THAN OTHERS?

This is typically down to the lenders risk appetite and criteria regarding certain incomes. For instance, Halifax building society will only use 60% of your overtime or commision income into consideration whereas certain other lenders would use 100%.

Why don't you charge a broker fee?

Like all mortgage brokers, we receive commission from the lender once we have placed your mortgage. The majority of brokers charge a 'mortgage broker fee' as well and this can range from £295.00 to £1,995.00. Because we are a relatively small Chelmsford based company, we are able to stay profitable on the commission alone.

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Get Your Best Mortgage Sent To You Today

Within 10 minutes, you'll understand how much you can borrow, the interest rate and the monthly payments.

Contact Us

Don't be a stranger!

27 Duke Street, Chelmsford, CM1 1HT

01245 206030

Click to Call >

Your home may be repossessed if you do not keep up repayments on your mortgage.

All content on the Bright Future Mortgages website is believed to be accurate at the time of publication. However, this is a fast-moving sector and lender criteria and policies change regularly. For this reason, we always recommend that you speak to one of our advisers for the most up to date information.

Articles can only ever provide general information and do not constitute financial advice. Our mortgage advisers are fully regulated by the Financial Conduct Authority, and it is only by speaking to them that you will receive advice and information tailored to your individual circumstances. You should always think carefully, and seek professional advice, before securing other debts against your home or releasing equity from your home.

Bright Future Mortgage advisors are a trading style of Simply Lending Solutions Ltd Registered in England & Wales. Company No 09676170.

Registered Address: Barn 12, Runwell Hall Farm Hoe Lane Rettendon Common Chelmsford Essex CM3 8DQ. Authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register No 745164 at https://register.fca.org.uk/. The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Should you have cause to complain, and you are not satisfied with our response to your complaint you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service
Exchange Tower, London, E14 9SR
Tel: 0800 023 4567 or 0300 123 9 123
www.financial-ombudsman.org.uk