Our Mortgage Broker in Harlow

Marian Isciuc

Mortgage Broker & Protection Adviser in Harlow, Essex & Grays, Kent

I joined Openwork in April 2014 after my previous 6 years working as a personal banker, which was an ideal foundation for my work as a Financial Adviser.

Attention to detail, good listening skills and great empathy are symbols of my appreciation by my clients that helped me build long-term relationships with my growing client base and provide excellent customer service.

Qualifications

Certificate in Mortgage Advice and Practice (CeMAP) and working on achieving Diploma for Financial Advisers.

Interests

Family is really important for me and I try to spend as much time possible with them. Personal activities include travelling and reading.

Mortgage Advice

I take pride in offering clear and honest mortgage advice that’s tailored to each client’s individual circumstances across Harlow in Essex and Grays in Kent, helping you feel confident at every stage of the process.

Whether you’re buying your first home, moving, or reviewing your current deal, I’m here to guide you through your options and handle the detail for you. I can help with:

• First-time buyer mortgages
• Remortgages to secure a better rate or release equity
• Buy to let mortgages
• Home mover mortgages
• Mortgage product transfers
• More specialist or complex mortgage cases

With mortgages often being one of the biggest financial commitments you’ll make, I focus on keeping everything straightforward and easy to understand.

I’ll explain your options clearly, what they mean for you in real terms, and help you choose a solution that genuinely suits your needs.

If you’re ready to take the next step or simply want to explore your options, I’d be delighted to help. Get in touch today for a friendly, no-obligation chat and let’s find the right mortgage solution for you.

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Business Protection

I help business owners put the right financial protections in place, giving you confidence that your business, your people, and your plans for the future are properly safeguarded.

Whether you’re a sole trader, partnership, or limited company, I’m here to guide you through the options and make what can often feel complex, simple and manageable. I can support you with the following business protection policies:

• Key person protection
• Shareholder and partnership protection
• Business loan protection
• Relevant life cover
• Executive income protection
• Group protection policies

Every business is different, so I take the time to understand how yours operates, what risks you may face, and what would happen if the unexpected occurred. I’ll recommend practical, tailored solutions designed to protect both the business and the people behind it.

From our first conversation through to putting cover in place, my aim is to offer clear, straightforward advice and ongoing support, so you can focus on running your business knowing you’ve planned for the unexpected.

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Mortgage Advice in Harlow

Whether you’re moving to Harlow from elsewhere or simply changing homes within the area, securing the right mortgage can make the process much easier. If you need a Home Mover Mortgage, Marian Isciuc, our experienced mortgage and protection adviser in Harlow, can guide you through your options and help you find a mortgage that suits your circumstances and financial needs.

Mortgage Advice in Grays

If you’re looking to leave the area around Grays to move into the centre, or looking for a new property closer to your hometown, Marian Isciuc, our mortgage and protection adviser in Grays, can help you understand the available mortgage options and identify a solution suited to your individual circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Romanian Speaking Mortgage Adviser

For Romanian-speaking clients looking for a mortgage in London and across the UK, Marian Isciuc is able to hold general conversations in Romanian, helping to make discussions feel more relaxed and accessible.

Being able to communicate in Romanian during initial conversations allows clients to explain their circumstances, ask questions and better understand the mortgage journey in a language they are comfortable with.

As mortgage advice is regulated, all formal mortgage advice, recommendations and responses to mortgage-related questions must be provided in English.

If further language assistance is needed, clients are welcome to arrange for an interpreter or translator to support them. This may include a family member who is aged 18 or over. Where a family member acts as an interpreter or translator, their name and relationship to the client will be documented as part of the mortgage application process.

Our priority is to ensure Romanian-speaking clients in London and across the UK feel informed, supported and confident throughout the mortgage process, giving them the understanding they need to make important financial decisions with greater confidence.

Mortgage and Protection Advice Harlow & Grays – FAQs

1. How can a mortgage adviser in Harlow or Grays help me?

Our mortgage adviser, with good local knowledge, can help you make sense of the mortgage market and identify options that may be suitable for your circumstances. Whether you are buying your first home, moving house, remortgaging or looking to borrow more, we can talk through your requirements and help you understand the choices available to you.

2. Can you help first-time buyers in Harlow and Grays?

Buying your first home can feel like a big step, particularly when you are unfamiliar with mortgages, deposits and the buying process. Our mortgage and protection advisers can explain your options, discuss how much you may be able to borrow and help you understand the different mortgage products that could be available.

3. Can you arrange a mortgage if I am moving home?

If you are planning to move within Harlow or Grays, or relocating to either area from elsewhere, we can help you review your existing mortgage and explore your options for your next property. We can also discuss whether your current mortgage can be transferred or whether another product may be more appropriate.

4. When should I speak to a mortgage adviser about remortgaging?

It is worth starting the conversation well before your current mortgage deal comes to an end. This gives you time to review your circumstances, consider the options available and prepare for your next mortgage. Speaking to an adviser early can also help you avoid having to make decisions at the last minute.

5. Can you help if my financial circumstances have changed?

Your circumstances can change for many reasons, such as changing jobs, becoming self-employed, starting a family or experiencing changes to your income. We can discuss your situation with you and explain the mortgage options that may be available, although the suitability and availability of any mortgage will depend on your individual circumstances and lender criteria.

6. What is mortgage protection and why might I need it?

Mortgage protection is designed to help protect you and your family financially if certain unexpected events occur. Depending on your circumstances, this could include life insurance, critical illness cover or income protection. We can talk through the different types of protection and help you consider what level of cover may be appropriate for your needs.

7. Can you help me arrange protection alongside my mortgage?

When arranging a mortgage, it is sensible to consider how the repayments would be managed if your circumstances changed unexpectedly. We can discuss protection alongside your mortgage and explain the different types of cover available, helping you make an informed decision based on your circumstances and priorities.

8. Can I get mortgage advice if I am self-employed?

Being self-employed does not automatically prevent you from obtaining a mortgage. However, lenders can have different requirements when assessing self-employed income. An experienced mortgage adviser can explain what information you may need to provide and help you explore lenders whose criteria may be appropriate for your circumstances.

9. Do I need a large deposit to buy a home in Harlow or Grays?

The deposit you need will depend on the property, mortgage product and lender criteria, as well as your individual circumstances. There are mortgage options available at different loan-to-value levels, so it can be worthwhile speaking to an adviser to understand what may be possible for you.

10. Why should I use a local mortgage and protection adviser in Harlow or Grays?

Having a local adviser means you have someone you can speak to about your circumstances and plans, rather than trying to navigate the mortgage and protection market on your own. Whether you are buying locally, moving home, remortgaging or reviewing your protection needs, we can provide personal guidance and help you understand your options at each stage.