Our Chester Office

Welcome to Huxley Mortgage Services Chester! We’re independent, whole-of-market mortgage brokers with access to over 140 lenders. We have a wide range of options to choose from, and we can offer you exclusive deals you won't get by doing straight to lenders. More choice means a better chance of finding the mortgage that’s right for you.

Welcome to Huxley Mortgage Services Chester!

Huxley Mortgage Services are an independent, whole-of-market mortgage broker that you can trust. We have offices all across the UK, but our head office is based in the wonderful city of Chester. We cover many surrounding areas in Cheshire including Warrington, Crewe, Runcorn, Wilmslow, Macclesfield and Knutsford.

At Huxley, we offer a comprehensive range of mortgage and financial services in the Chester area. Our expert financial advisors can help you remortgage, get a debt consolidation loan, or secure a mortgage as a first-time buyer, self-employed person or contractor. We can also offer you mortgage protection insurance, bridging loans and secured loans.

Being a local, independent mortgage broker means we truly value our clients. Our team of friendly, professional and experienced mortgage advisors are here to discuss your situation in detail, guide you through the sometimes complicated, jargon-filled process, and help find the right mortgage solution for you.

Our Chester office is easy to find. It’s located just off Nicholas Street in the city centre, right next to Linenhall Street Car Park. We’d love for you to pop in and have a chat with one of our friendly mortgage brokers, who can give you the expert advice you’re looking for.

What Mortgage Services Do We Provide In
Chester?

 Remortgaging

Remortgaging is where you switch to a new mortgage on your current home with the aim of securing a better deal. Perhaps the introductory term of your existing mortgage is about to expire (and you don’t want to be placed onto your lender’s less competitive standard variable rate) or it’s been a while since you’ve reviewed your finances. Remortgaging can help you save money, get more flexibility and find a new mortgage that better suits your current situation.

 

 First-Time Buyer Mortgages

If you’re looking to buy your first house and you don’t own (or haven’t previously owned) a residential property, then you’re what’s known as a first-time buyer. As a first-time buyer, you get access to all the same mortgages as everyone else, but with the added bonus of being eligible for Government assistance such as Stamp Duty relief and Help to Buy schemes. Buying your first house can be a daunting process, but we’re here to walk you through the process and give you the expert mortgage advice that you need.

 

 Moving Home

When you’re moving house, you have two options when it comes to your mortgage: you can transfer (or “port”) your existing mortgage to your new house, or you can remortgage for a bigger amount or a better deal. It can be difficult to sit down and do the sums during a busy and potentially stressful house move, but Huxley can help you make the right decision.

 

 Buy-to-Let Mortgages

If you’re purchasing a property with the intent of renting it out to tenants, you’ll need a buy-to-let mortgage. They’re a lot like traditional mortgages, but with a few key differences. Our financial experts will advise you on everything you need to know while helping you secure the best mortgage for your buy-to-let investment.

 

 Commercial Mortgages

A commercial mortgage is specifically for businesses or individuals who are buying a commercial (non-residential) property, such as an office, shop or restaurant. There are a number of important distinctions between commercial mortgages and traditional mortgages, which our experienced financial advisors will guide you through before helping you find the most suitable commercial mortgage deal.

 

 Self-Employed Mortgages

Securing a mortgage as a self-employed individual isn’t as difficult as you might think. Whether you’re a sole trader or a small business owner, you’ll need to provide lenders with more thorough financial information. But so long as you are able to verify your income and have good credit, you can get access to the same competitive mortgages as everybody else.

 

 Contractor Mortgages

As with self-employed applicants, being a contractor doesn’t limit your options when it comes to getting a mortgage. In fact, there are mortgage lenders out there who specialise in lending to contract workers. Our financial advisors will guide you through the process, explain what information you need to provide and the factors you need to consider, and help you find the right mortgage for you.

 

 Adverse Credit Mortgages

Contrary to popular opinion, securing a mortgage with poor credit isn’t impossible. Whether you have CCJs, defaults or have even been declared bankrupt, there are mortgages out there specifically tailored for people with poor credit. Because we’re whole-of-market brokers, we have access to a wider range of mortgages and you may be surprised at the rates you can get.

 

 Mortgage Protection

Mortgage protection is an insurance policy that covers your mortgage payments in the event that something unfortunate happens and you’re unable to keep up with them. Perhaps due to redundancy, illness or, worse, death. Mortgage protection isn’t a legal requirement, but the peace of mind that it provides is definitely worth paying for.

What Other Services Do We Offer?

 Debt Consolidation

Drowning in debt or struggling to juggle multiple loans? Debt consolidation might be the perfect solution for you. A debt consolidation loan lets you merge multiple debts into one larger, simple and easier-to-manage debt with more favourable terms compared to other types of loans.

 

 Secured Loans

A secured loan is one of the most common options for those in need of financial help. A secured loan is where you borrow money using an asset that you own (typically your house) as collateral. Because of this, you can borrow more money compared to an unsecured loan while getting lower interest rates. However, if you fail to keep up with the repayments, you could risk losing your house.

 

 Bridging Loans

This is a short-term finance solution to help “bridge the gap” and get you from A and B. A flexible loan that allows you to get the money quickly, bridging loans are popular amongst house buyers wanting to get a deal done quickly, those looking to purchase a property at auction, and property developers seeking to fund a new project.

 

 Business Protection

As a business owner, you don’t want to see all your hard work go down the drain if something unfortunate happens and you’re unable to work. Business protection insurance covers safeguards your company in the event of you suffering a critical illness or, worse, death. We offer a range of business protection policies including Relevant Life Insurance, Key Person Insurance and Shareholder Insurance.

Would you like us to get in touch to discuss your mortgage options?

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Why Choose Huxley Mortgage Services?

If you’re looking for mortgage brokers in Chester, look no further than Huxley Mortgage Services.

We’re independent, whole-of-market mortgage brokers, meaning we survey the whole market for our clients, not just a select few lenders that we’re tied to. With access to over 140 lenders, we have a wide range of options to choose from. More choice means a better chance of finding the mortgage that’s right for you.

We’ve been based in Chester since 2018. We’ve gotten to know the area intimately and have developed strong connections with high-street banks and building societies, as well as local, smaller lenders. Because of this, we can offer you exclusive mortgage deals that you won’t get by going straight to lenders.

At Huxley, we’re not only passionate about understanding and satisfying your individual needs, but we pride ourselves on going above and beyond for you. With our red carpet service, you get immediate access to one of our mortgage advisors; the option of evening and weekend appointments, seven days a week; constant updates throughout the entire process; and a fully-managed service from start to finish.

If you’re looking for expert mortgage advisors in Chester, get in touch with Huxley Mortgage services on 01244 955 399 or at info@huxleyms.co.uk. Or come into our Chester office for a chat!

A Little Bit About Chester

Chester is one of the UK’s prettiest and most attractive cities. The second-largest settlement in the county of Cheshire, Chester is nestled next to the River Dee and has the prestigious status of being the best-preserved walled city in Britain.

There are lots of things to see and do in Chester for locals and tourists alike. The city is famous for attractions like Chester Zoo, Chester Castle and Chester Racecourse. Closer to the city centre, you’ll find Chester Cathedral, the beautiful Grosvenor Park, Grosvenor Museum, which houses Roman tombstones and an art gallery, and Eastgate Clock, the most photographed clock in England after Big Ben.

While there’s plenty to love about Chester itself, the city is also close by to other tourist hotspots like Liverpool, Manchester and the Welsh border.

Chester has a rich history, remains of which can still be seen to this day. The city was founded as a Roman fort in 79 AD and was occupied by both the Saxons and Normans over the following centuries. Chester is home to a number of medieval buildings that have stood the test of time while the city centre is filled with striking Victorian architecture, including the unique and charming Chester Rows.

As one of the most desirable places to live in the UK, Chester boasts a number of attractive suburbs and neighborhoods for homeowners including Christleton, Waverton, Boughton and Tarvin. Whether you’re buying your first home or relocating within the area, Chester is a fantastic place to settle down.

If you’re looking to get a mortgage in Chester, get in touch with Huxley Mortgage Services on 01244 955 399 or at info@huxleyms.co.uk today, or pop into our Chester office below!