Renovation mortgage

Renovation Mortgage Broker in Grays

Explore renovation mortgage options in Grays to unlock the full potential of your home with smart lending solutions.

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What is a Renovation mortgage?

Renovation mortgages allow you to borrow for major property improvements. At MBNM, we specialise in helping Grays clients finance upgrades with tailored lender access and expert support.

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Borrow for full refurb projects
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Support for fixer-upper buyers
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Equity release made simple
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Local Market Insight

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Grays has a large proportion of older housing stock, making it ideal for refurbishment. We support clients with expert advice and local insight to ensure they get the best mortgage for their renovation project.
01
Renovation Demand
Homeowners in Grays are prioritising renovations due to rising property values and planning flexibility from the local council.
02
Planning Applications
Over 470 applications were submitted in Thurrock in 2023, with many focused on internal refits and single-storey rear extensions.
03
Avg Renovation Budget
Major home upgrades in Grays typically cost between £55,000 and £85,000 depending on property type and finishes.
04
Home Value Uplift Potential
Quality improvements in Grays can uplift home values by 9–13%, especially for kitchens and open-plan conversions.

Why Work With a Broker

With access to specialist lenders and deep local knowledge, we help Grays clients finance renovations with confidence and clarity.

Guidance for large-scale upgrades
Lenders for unusual properties
Equity release experts
Speedy application turnaround
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New owner holding the key to their house after using MBNM to assist with their mortgage

At Mortgage Brokers Near Me

At Mortgage Brokers Near Me, we simplify the process with local, expert support you can trust. Whether you're buying your first home, remortgaging for a better rate, or funding a renovation, our advisers connect you with competitive lenders tailored to your goals. Straightforward advice, no jargon just mortgages that work for you.

10+

Years of Expertise

We've helped thousands of buyers navigate the process with confidence and clarity.

90+

Members Transformed

We compare deals from across the entire market to find the best fit for you — not just one bank.

2700+

First-time buyers supported

From your first enquiry to moving day, we’re with you every step of the way.

5*

Rating on Google

Our clients trust us for honest advice, fast answers, and a stress-free experience.

We make launching your new website simple and stress-free without endless delays or confusion. Here’s how we take your site from concept to conversion-ready:

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Discovery

We start with a free, no obligation chat to understand your goals, timeline, and budget.

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Strategy

We scan the market including specialist and high-street lenders to find deals that match your needs.

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Application Support

From paperwork to lender requirements, we guide you through every step to ensure a smooth process.

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Mortgage Secured

Once approved, we help finalise the deal and stay in touch through to completion (and beyond if needed).

FAQs

Quick answers to common questions, get started with confidence.

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What’s the minimum deposit needed for a renovation mortgage?
Most lenders require a 10–25% deposit, depending on your income, property condition and scope of renovations.
Can I use my home equity to fund upgrades?
Yes. A remortgage is a common way to fund property improvements – we help you find the right lender.
Do I need to submit planning consent first?
It depends on your project. Planning approval isn’t always needed, but helps fast-track lender decisions.
Can I get finance if the property is uninhabitable?
Yes. There are mortgage products for uninhabitable homes if you're planning immediate renovation work.
What type of renovations qualify?
Most lenders accept structural, cosmetic and layout changes including bathrooms, kitchens and loft builds.
Are self-employed applicants accepted?
Yes. We support self-employed applicants with the right documents and lender-friendly submissions.

Why Choose Us MBNM For your Renovation Mortgage

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Our mission

Our mission is to help people across the UK make smarter mortgage decisions. From first-time buyers to experienced homeowners, we offer tailored advice, expert support, and a commitment to getting the right outcome for every client.

Vision

Our vision

At Mortgage Brokers Near Me, our vision is simple to make mortgage advice clear, accessible, and genuinely helpful. We started this journey after seeing too many people overwhelmed by confusing options, slow responses, and generic advice. Our mission is to change that by offering expert, transparent guidance that’s tailored to your goals. Whether you're buying your first home, renovating a property, or looking to remortgage, we’re here to simplify the process and support you every step of the way.

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Our story

Mortgage Brokers Near Me was built out of frustration with the industry status quo slow processes, confusing options, and advice that didn’t always serve the client. We started with a simple promise: to put people first. Today, we connect clients with experienced advisers who genuinely care about making the mortgage process simpler, clearer, and more rewarding.

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Get In Touch We’d love to hear from you!

Contact details

Reach out to us directly via email or phone—we’re here to assist you with any inquiries.

Phone
0203 4884 491

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