At EBR Mortgages, you are at the heart of everything we do. We take the time to understand your needs, providing personal, tailored services to ensure the best possible outcome. You can trust us for honest advice and clear, straightforward information. Our goal is to help you feel confident and fully informed as we guide you through the mortgage process together, step by step.
At EBR Mortgages, we’re focused on helping you explore your mortgage options with ease. We understand that every situation is different, so we provide advice tailored to your specific needs. With clear and honest guidance, we aim to save you time, money, and reduce any unnecessary stress. Whether you’re a first-time buyer or a seasoned homeowner, we’re here to make the process simple and help you make confident, informed decisions.
Chris has spent the last decade helping people find the right mortgage and protection solutions, working with some of the UK’s largest financial institutions. Over time, he realised that clients wanted more than just standard advice—they needed personalised support that addressed their individual circumstances. That’s why Chris founded EBR Mortgages, where his goal is to offer honest, tailored advice that makes the mortgage process simpler and less stressful for every client.
What sets Chris apart is his ability to connect with people on a personal level. He takes the time to listen and understand what matters most to his clients, ensuring they feel comfortable, confident, and well-informed throughout the process. Whether you’re a first-time buyer or looking to remortgage, Chris provides clear, straightforward solutions designed to save you time, money, and stress. His clients often comment on how much they appreciate his genuine care and commitment, with many referring friends and family after experiencing his thoughtful approach firsthand.
Outside of work, Chris enjoys spending time with his family and values finding a balance between his personal and professional life. He’s also passionate about building EBR Mortgages into a business that reflects his values, with the hope that his family will one day be a part of it.
At EBR Mortgages, Chris’s priority is to ensure you get the right advice, tailored to your unique situation, so you can make informed financial decisions with confidence. His approach ensures that every client gets the personal attention they deserve, and he’ll be there every step of the way to guide you through the process.
We understand the importance of knowing your mortgage options before you start viewing properties. Estate agents will often ask for an agreement in principle when you make an offer, and this process can take 3-4 weeks with traditional banks. However, at EBR Mortgages, we work much faster, allowing us to accommodate your appointment and get the paperwork ready ahead of time.
Our success in helping clients stems from our genuine commitment to understanding each individual’s unique circumstances. We work with a diverse range of people, each with their own needs and requirements. Regardless of your situation, we will identify the most suitable mortgage options, tailored specifically to you.
From the start, we ensure that you receive the right mortgage advice to save you valuable time and money. We are partnered with over 100 lenders, giving us the ability to offer you the best available deals. Our commitment is to understand your needs and help you find the ideal mortgage in a market that can often feel overwhelming.
View our most Frequently Asked Questions. If you can’t find an answer to your question, please get in touch with us here.
Mortgages
We compare mortgage deals from over 100 lenders, providing comprehensive market coverage. This guarantees that we’ll find the best deals, specifically tailored to your situation.
The necessary documentation varies based on your personal circumstances. However, as a general guide, we will typically need:
The speed of your mortgage application depends on how efficiently you can compile the necessary documentation. Assuming everything is prepared in advance, and all lender queries are promptly addressed, the process typically takes between 2 to 4 weeks.
There are several fees to account for in your budget when purchasing a property, including:
Protection
We offer expert guidance on choosing insurers that not only match your specific requirements but are also competitively priced. With access to a wide range of providers, we will help you make the best decision to protect you and your home.
Once we’ve helped you explore your options, we handle the entire application process with the insurer. We may ask questions regarding your medical history to ensure you qualify for the right level of cover.
Certainly! We can help you determine the right level of home insurance, covering both buildings and contents. We ensure that your home is fully protected, meeting your mortgage provider’s requirements.
General
Yes! EBR Mortgages Limited operates as an Appointed Representative of Stonebridge Mortgage Solutions Ltd, authorised and regulated by the Financial Conduct Authority. We possess all relevant qualifications to provide expert advice on mortgages and protection. Additionally, we hold professional indemnity insurance for your protection.
Absolutely! We’re happy to discuss your options, even if you’re just beginning to plan your future move. We can help you prepare by offering advice on deposits, debt repayment, and improving your credit score.
The initial consultation is free, where we discuss your mortgage options and explain any charges upfront. We charge a fee of £499 for new customers, reflecting the time and care we take to thoroughly research your options and manage the process from start to finish. For returning clients, who have previously paid this fee, we offer a discounted rate of £99 for future applications. Before submitting your application, we conduct detailed research and present tailored mortgage options. We handle the full application process, working with lenders and underwriters to present your case in the best possible light. Our fee covers all administrative tasks, expert market research, and professional advice.