Renovation mortgage

Renovation Mortgage Broker in Rayleigh

Looking for a renovation mortgage in Rayleigh? We help fund upgrades, extensions, and refurbishments across Essex.

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What is a Renovation mortgage?

A renovation mortgage helps you borrow funds to upgrade or refurbish a property. At MBNM, we specialise in guiding Rayleigh clients through the process with expert advice and access to flexible lenders.

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Finance home improvements
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Borrow for extensions or upgrades
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Tailored local mortgage support
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Local Market Insight

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Rayleigh’s property market features many semi-detached homes and dated housing stock ripe for modernisation. We help Rayleigh homeowners and buyers access renovation mortgages suited to their needs, with clear advice and lender matching.
01
Renovation Demand
Rayleigh is seeing strong demand for home renovations due to growing families and the popularity of loft conversions and extensions.
02
Planning Applications
Rayleigh saw around 420 planning applications in 2023, many for kitchen extensions, garage conversions, and rear builds.
03
Avg Renovation Budget
A typical renovation in Rayleigh ranges from £50,000 to £75,000 depending on the scale of work.
04
Home Value Uplift Potential
Upgrades like kitchen remodels or rear extensions can increase property value by 7–11% in the Rayleigh area.

Why Work With a Broker

We provide clear, tailored guidance and access to lenders that understand renovation lending – so you get it done faster and smarter.

Tailored funding advice
Access exclusive lender deals
Support for complex income types
Fast-track funding with planning approval
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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+

Lenders To Compare

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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How much deposit do I need for a renovation mortgage?
Most renovation mortgages require at least 10–20% deposit, though this can vary depending on your lender and renovation scope.
Can I remortgage to fund home improvements?
Absolutely. We help homeowners release equity to fund works like new kitchens, extensions or complete renovations.
Do I need planning permission before applying?
Not always, but having approved plans can strengthen your application – especially for large-scale upgrades.
Can I get a mortgage for a house that’s uninhabitable?
Yes. Specialist lenders may approve funding for uninhabitable properties if there’s a clear renovation plan and exit strategy.
Is a home improvement loan better than a renovation mortgage?
It depends on your needs. Renovation mortgages tend to offer better rates and higher borrowing amounts if major works are involved.
Can I apply if I’m self-employed?
Yes. We regularly help self-employed applicants by working with lenders who accept SA302s and accountant-prepared figures.

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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