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The Mortgage Store
The Mortgage Store makes getting a mortgage smooth, easy and very quick. We’ll sort out the house, and then you can make it a home. With thousands of different mortgage schemes available in the UK for people with varying circumstances, finding the right mortgage deal can be very time-consuming. This is why we pride ourselves on our exceptional, 5-star service in helping people find the perfect mortgage deal.
Introducing Emma
My name is Emma and I have been a Mortgage and Protection Specialist for almost 6 years now.
I have always been in the financial industry working for Lloyd’s banking Group for 8 years and Global Reach partners in the City of London.
I always knew, however, deep down I would love to be a Mortgage and Protection advisor. My passion is to engage with clients and always get satisfaction on helping people find the best Mortgage or protection policy to meet their needs and goals.
It is like my therapy, when I know, I have managed to put a smile on someone’s face whether it is saving them money or giving them great advise.
Outside of Work
I would like to describe myself as a bubbly, outgoing, engaging, hardworking, fun, caring, driven and passionate in everything I do and going that extra mile for people.
In my spare time I also teach boxing HIIT classes and go to the gym. It’s another passion of mine as I believe in keeping fit and having a balanced life is a must.
In 2014 – 2021 I competed in quite a few fitness modellingshows in the UK, Iceland and America, which was an amazing experience and I met some very interesting peoplewhist travelling to compete.
In Iceland I won the competition and won my Pro card which was the most amazing feeling ever. I had no idea at the time what a Pro card was but then found out this allowed me to compete in America at the World championships in Las Vegas.
The will power and the intense training was one of my biggest challenges I have ever done. I love to have goals and achieving them and I am like this in everything I do.
I also love going out with my friends for brunches, bars, dinners and shopping of course, most of us ladies love to shop. I also love walking and looking after my little man Arnie, my French Bulldog.
We act as an intermediary for clients and we introduce them to a lender. I would arrange an appointment with the client to discuss their needs and aspirations, and look at the most suitable option for them with regards to mortgages and protection and make a recommendation.
We walk them through the whole process, so for First Time Buyers in particular, the advantage is that we act as a guide. We will always keep our clients updated on the progress of their mortgage or protection journey.
The advantage would be that we can get exclusive rates, compared with going directly to the lender. We’ve got the best interests of the client at heart and can find a mortgage lender for them.
High street lenders such as Barclays or HSBC will only be able to recommend their own products, but we’ve got a whole range of different lenders. It can also save time and fees, as we find the most cost effective route for the client as well.
People often don’t have the time to fill out all the paperwork, so we do the applications and deal with the lenders and underwriters throughout the whole process.
A free initial consultation, so they can book an appointment and we can have an initial chat at the start and we give the best advice and recommendation based on the client’s needs and wants. We will then guide the clients from start to finish on their mortgage journey and give them regular updates. It saves the client a lot of time.
At The Mortgage Store Brentwood, we deal with Buy to Let mortgages, for both first time and more complex portfolio landlords. We also look at new builds, remortgages and adverse credit products. I specialise in self-employment and contractors because they often feel that they can’t get a mortgage, but they absolutely can.
The best time would be if you’re starting to think about buying a property. However, if you’re halfway through an application or you’ve changed your mind about something, you can absolutely come to us for help, as long as you’ve not exchanged or completed.
For the best advice, we advise clients to come to us when they’re starting to get an idea of how much they can borrow and see what’s affordable for them. We can do the Decision in Principle, so that when estate agents ask for some kind of confirmation that they’re serious about buying, they have it.
What I love about Brentwood is that it’s very friendly. It’s got a lot of countryside, however, there is still a London feel to it as well. There are a lot of main stations to get to London within thirty to thirty five minutes. It’s got really good schools and there are a lot of activities. Generally people who live in London are branching out to the area because they can get a little bit more for their money.
I’ve been a mortgage and protection adviser for six years and prior to that I’ve always been in the finance industry. I worked for Lloyd’s and always knew deep down that I wanted to be a mortgage adviser. This branch is a new venture for me and it’s very exciting as I’ve been wanting to do it for about 3 years, but covid delayed things. It was always a dream for me to open up a branch in Brentwood for myself.
Yes, it’s a free initial consultation because a lot of clients just want to know where to start, and what they can afford based on their circumstances and income. Then we charge on a case to case basis, depending on how in-depth the mortgage application is. I would clarify that during the free consultation.
Protection is also very important for any mortgage, and we do offer mortgage protection in different ranges, such as Critical Illness Cover and Income Protection. It’s very bespoke, based on what the clients can afford and what they actually need.
