First-time buyers
The whole thing explained, without the jargon, deposit, agreement in principle, what you can realistically borrow and what happens next.
Complex made simple.
A five-star mortgage broker in Woodford Green. One adviser who compares lenders, handles the paperwork and keeps you posted, from first chat to keys in hand.
Bourne Court, Southend Rd, IG8
Mon–Fri, by appointment
5.0 on GoogleEvery published review, five stars, 156 and counting.
More than mortgagesResidential, buy-to-let, commercial, bridging and protection under one roof.
One adviser, start to finishNot a call centre or a comparison table. A named person who knows your case.
Woodford Green officeMeet in person on Southend Road, or by phone and video across London.
Who we help
Whatever stage you’re at, there’s a route through
Most people find us at one of these moments. We’ll talk you through the options in plain English, then do the legwork of searching lenders and arranging it.
Moving home
Porting your current deal or arranging a new one, with the timing lined up so your sale and purchase move together.
Remortgage & rate review
Coming to the end of a fixed rate? We review the market before you slip onto the lender’s standard rate, so you don’t overpay.
Buy-to-let & landlords
Single properties or a growing portfolio, in personal or limited-company name, arranged with lenders who understand rental cases.
Commercial & bridging
Commercial finance, short-term bridging and second-charge lending for the cases a high-street bank won’t take on.
Protection & insurance
Life cover, income protection and buildings & contents, so the home you’ve bought stays yours if life takes a turn.
Repayment estimator
See what a mortgage might cost
Move the sliders for a rough monthly figure. It’s a simple illustration to get you started, not a quote or mortgage advice. The real numbers depend on your circumstances and the lender.
A placeholder rate for the sum, not a rate we’re offering.
Estimated monthly repayment
£1,968/mo
Deposit £60,000Loan £340,000
Loan amount£340,000
Loan-to-value85%
Total repaid over term£590,400
Illustration only, not a quote, a mortgage offer or financial advice. Figures use a standard capital-and-interest calculation at a rate you choose and assume the rate stays fixed for the whole term, which real mortgages don’t. Your actual payments depend on your circumstances, the lender and the product. Your home may be repossessed if you do not keep up repayments on your mortgage. For a proper illustration tailored to you, have a chat with us.
How it works
Five steps, and we’re with you at each one
No forms to wrestle with on your own. Here’s how a case with us usually runs.
01
Talk
A free, no-pressure chat about your plans, budget and timing.
02
Review
We look at your situation and search lenders for options that fit.
03
Recommend
A clear recommendation, with the costs and trade-offs explained.
04
Apply
We package and submit the application and chase it through underwriting.
05
Complete
Offer in hand, we keep an eye on it right through to completion.
In their words
Why people recommend Simplex
★★★★★
“As a first-time buyer I felt quite anxious, but Minhaz put my mind at ease and guided me through everything with such care. Professional from start to finish, kept me updated throughout. I cannot recommend Simplex highly enough.”
★★★★★
“An amazing experience with my adviser, Mohsin. Always transparent and patient, he took the time to explain everything clearly and went above and beyond to secure a great offer. I’m very happy with the rate he managed to get.”
★★★★★
“Mohsin helped me secure the mortgage for my first home and the support was excellent. The team at Simplex is incredibly experienced and knowledgeable, making everything feel straightforward and stress-free.”
Inside Simplex
A proper office, and a proper conversation
Simplex Mortgages was set up to take the complexity out of arranging finance, residential and commercial, and hand people a clear, straightforward route to the right deal.
Advisers Mohsin and Minhaz look after each case personally, so you’re never passed around a call centre. Pop into the office on Southend Road for a coffee and a conversation, or do the whole thing by phone and video if that’s easier.
WhereUnit 4a, Bourne Court, 3 Southend Rd, Woodford Green IG8 8HD
AdvisersMohsin & Minhaz, plus the wider Simplex team
Ways to meetIn person, by phone or over video
Find us
On Southend Road, Woodford Green
Bourne Court sits just off Southend Road in Woodford Green, IG8, a short hop from Woodford and South Woodford stations, on the edge of Epping Forest.
Bourne Court, Southend Rd · near Woodford stationOpen in Google Maps →
Simplex Mortgages
Unit 4a, Bourne Court, 3 Southend Rd, Woodford Green IG8 8HD
Monday – Friday9:00 – 17:00
SaturdayBy arrangement
SundayClosed
Good to know
Questions we’re often asked
Do you help first-time buyers?
Absolutely, it’s a big part of what we do, and a lot of our five-star reviews come from first-time buyers. We’ll explain the whole journey in plain English: how much deposit you need, what you can realistically borrow, getting an agreement in principle, and what happens after your offer is accepted. No question is too basic.
What does it cost to use a broker?
Fees depend on the type of case, and we’ll always be clear about any charge before you commit to anything, nothing is a surprise. The best first step is a free, no-obligation chat where we explain how we’re paid and what your options are, so you can decide with the full picture.
My fixed rate is ending, can you take over?
Yes, and it’s worth doing early. When a fixed rate ends you usually roll onto the lender’s higher standard variable rate, which can cost a lot more each month. We review the market a few months ahead of your end date and line up a new deal, either a remortgage or a product transfer with your current lender, so there’s no gap and no overpaying.
Do you arrange buy-to-let and commercial finance?
We do. Buy-to-let for single properties or a portfolio, in your own name or through a limited company, plus commercial mortgages, short-term bridging and second-charge lending. These are exactly the cases where an experienced broker earns their keep, we know which lenders to approach and how to present the case.
Are you regulated?
Simplex Mortgages Ltd is a mortgage broker regulated for mortgage and protection advice in the UK. We’ll confirm our full regulatory details and put the relevant paperwork in front of you before any advice is given. Your home may be repossessed if you do not keep up repayments on your mortgage.
Where are you, and how do we meet?
Our office is Unit 4a, Bourne Court, 3 Southend Road, Woodford Green IG8 8HD, near Woodford and South Woodford stations. You can come in for a face-to-face appointment, or we can do everything by phone and video if that suits you better. Most clients are across east and north-east London and Essex, but distance is rarely a problem. See the map and directions above.
Let’s make your mortgage simple
A free chat, honest advice and one adviser who sees it through. Call the office or drop us an email, we’ll take it from there.
For the owner, a few things to confirm before we go live
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