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Meet the Simply Lending Solutions Essex Team

Simply Lending Solutions has been providing independent mortgage advice from offices in leafy Rettendon Common, just outside Chelmsford, Essex since 2015. 

Our Essex-based mortgage brokers work with prospective borrowers across the country to help them secure the most suitable mortgage deal for them. We’re always happy to meet clients in person in our offices though, so if you prefer a face-to-face service why not come to our Essex office and meet our advisers. 

Wherever you are, and however you speak to us, you’re guaranteed the same great, personalised service. Our qualified and impartial mortgage brokers can advise you on a number of different types of mortgages. 

For Your FREE Mortgage Consultation call us between 9-5

01245 209851

or click here to

Our Specialist Mortgage Services

While we cater for all types of mortgages, including 2nd charges, our independent mortgage broker status means we have extensive experience of specialist mortgages and unusual properties. If you’re struggling to find a mortgage broker who can help you in Essex with your circumstances, give us a try for:

Simply Lending Solutions Essex mortgage advisers can help with all types of mortgages. 

Meet The Team

Liam Atkins
Managing Director
Having worked for 2 High Street banks as a Commercial Bank Manager, Liam has always been entrepreneurial and was unlikely to refuse the opportunity to create and grow a business with his friend Adam. He has overseen every function of the business and is committed to making the Simply group even more successful and recognised as the best in the industry.
In his spare time Liam will most likely be with his family, solving problems for someone or on his bike
Gareth Hutchings
Mortgage and Protection Adviser
The business is very proud of Gareth as he was one of the first to go from a junior to a fully fledged mortgage broker. He is a systems and process expert and can often be found helping the more experienced staff in between looking after his mortgage clients
Gareth loves his football, supporting and playing. He is not looking forward to washing his own kit now that he has left the family home.
I mainly dealt with Gareth who was amazing. Always available, super helpful and managed to get a straightforward deal for a loan amount and property that I thought would be much trickier.
Gareth had once again worked wonders for us. Professional and thorough with every step of the way explained clearly. We can’t thank him enough. This is the third time we’ve used Simply and we cannot rate Gareth and the company high enough
We will finally be moving into our dream home very soon. A special thank you to Jamie and Gareth for their hard work. 5 stars are not enough!
Jamie Lilley
Mortgage and Protection Adviser
Jamie has been with the team for many years now and has an excellent knowledge of the mortgage market. He is as popular with his clients as he is with his colleagues. His attention to detail always pleases his clients
Other than being a great family bloke Jamie can often be found singing karaoke, taking a bath in the local Rotherham canals or supporting his local football team
Quick & hassle free re mortgage from specialist lender to highstreet lender. Thank you Jamie for your help and knowledge in supporting us to get a better deal
100% professionals in the mortgage industry. Thank you soo much especially Jamie
We will finally be moving into our dream home very soon. A special thank you to Jamie and Gareth for their hard work. 5 stars are not enough!
Oliver Reece
Mortgage and Protection Adviser
Oliver is a bright individual with a great future ahead at Simply, he is already through the most difficult stages of his studies and the clients he talks to give us glowing feedback.
Olly has travelled large parts of the globe in his youth. He plays the guitar and has a very diverse taste in music
Shannon Squibb
Compliance Officer
A perfect example of how we like to encourage career development at Simply. Shannon joined the business helping out at the weekends and has since done most roles within the business with her latest role starting in 2020 working within our growing compliance function.
When not juggling her time with kids and family Shannon really enjoys stand up comedy (watching not performing).

For FREE Advice & Information,
call us Mon-Fri between 9-5
We are closed at weekends and on Bank Holidays

Main Office: 01245 209851

Rotherham: 01709 917446

Great Baddow: 01245 904054

or click here to

Contact Us

First time buyer mortgage

Buying your first home is exciting but it can also be quite stressful Our Essex-based mortgage advisers will take you through the process step by step and will always be available to answer any questions you have.

Using a broker can help you access deals that are specially designed for first time buyers. Some might even offer perks such as cashback. You may also be able to access mortgages that require a lower deposit, which can be helpful when you’re buying your first home.

Home mover mortgage

If you’re moving from one home to another the process is similar to the one for first time buyers. However, your circumstances are likely to be quite different.

You are likely to already have an existing mortgage, and home movers tend to have larger deposits than first time buyers meaning you will be able to access mortgage deals with a lower LTV. On the other hand, if you have negative equity you will need to talk to your broker in detail about the types of mortgage deals you may be accepted for.

Buy-to-let mortgages

If you want to buy a property with the intention of renting it out, you’re looking for a buy-to-let mortgages. Buy-to-let mortgages differ from standard mortgages as the amount you can borrow is linked to the amount of rental income you expect to receive.

Most lenders will require you to have a larger deposit than for normal residential mortgages, with some asking you to have a deposit of at least 25% of the property’s value. You may also find that fees are more expensive.


Remortgaging is the process of switching your existing mortgage to a new deal. This could either be with your current lender or with a different mortgage provider.

There are a number of reasons why you may be considering remortgaging including moving to a more flexible deal that allows you to, for example, make early repayments or link your mortgage to your savings. Or you may want to remortgage to get a lower interest rate or to raise money to consolidate debt or make home improvements.

Whatever the reason it’s important to seek professional advice and make sure that you’re aware of any costs you may incur, such as early repayment charges.

Mortgages can be confusing. Contact our experts to discuss your situation.

Contact Us

Second charge mortgages

A second charge mortgage is also known as a second mortgage. A second charge mortgage uses any equity you have in your property as security against a loan. You still need to prove that are able to repay a second charge mortgage, but the amount of the loan will be based on the equity in the property rather than your income.

As with remortgaging, second charge mortgages are often an effective way to raise a lump sum. Simply Lending Solutions Essex brokers are fully qualified to advise you on second charge mortgages, and will be able to help you consider all your options, particularly if you are unsure whether to choose to remortgage or to apply for a second charge mortgage.

Right to Buy Mortgages

Right to Buy is a government supported scheme designed to help public sector tenants buy the home they currently rent. There are a number of criteria to qualify for the Right to Buy scheme, including how long you have been a tenant, but if you are eligible Simply Lending Solutions can help you find a mortgage.

We work with a number of lenders who understand how the Right to Buy Scheme works, and the particular challenges that some borrowers may face. This helps us identify lenders who will be more likely to accept your application.

Shared ownership mortgages

Shared ownership is a scheme that lets you buy a share of a property and pay rent on the remainder. This helps buyers with small deposits or lower incomes get on the property ladder. In addition to the usual requirements that lenders put in place, prospective buyers will also have to fulfil specific eligibility to qualify for shared ownership. This can extend the time it takes to complete the purchasing process.

The shared ownership mortgage market is smaller than that for all first-time buyers but because Simply Lending Solutions work with the whole of the market we have access to a number of lenders who will consider your application. Our Essex mortgage brokers can advise you on your most suitable options.

Essex Office Location

We are located in Rettendon just outside Chelmsford, with a team of experienced brokers on site to help on the phone or in person.

Simply Lending Solutions Ltd
Barn 12
Runwell Hall Farmhouse
Hoe Lane
Rettendon Common

Telephone: 01245 209851

Our customers rate us as excellent