Harlow Mortgage Broker

Sergiu Moldovan

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

I joined the Thomas Oliver mortgage broking team in July 2021. I offer mortgage and protection advice to any first-time buyers looking to purchase their first home, commercial investors requiring a buy to let mortgage and anyone looking to move home or re-mortgage.

I previously worked in the construction sector so working in finance services is different and presents new challenges, but I am really pleased with my continued career, and I enjoy working with the mortgage and protection advisers at Thomas Oliver.

Mortgage Qualifications

Certificate in Mortgage Advice and Practice (CeMAP).

Interests

My favourites hobbies are playing and watching football and listening to music.

Mortgage
Advice

Finding the right mortgage can feel like a big decision, but you don’t have to work through it alone. I provide friendly, straightforward mortgage advice for clients across Harlow in Essex and Grays in Kent, taking the time to understand your circumstances and what you want to achieve.

Whether you’re taking your first step onto the property ladder, moving to a new home or looking at your existing mortgage, I’ll talk you through the available options and help manage the process from start to finish.

My mortgage advice covers:

• First-time buyer mortgages
• Remortgages, including options for securing a new rate or releasing equity
• Buy to let mortgages
• Home mover mortgages
• Mortgage product transfers
• Specialist and more complex mortgage requirements

A mortgage is likely to be one of the largest financial commitments you’ll make, which is why I believe mortgageg advice should always be clear, personal and easy to understand. I’ll explain the different mortgage options available, talk through what they could mean for you and help you make an informed decision based on your individual circumstances.

If you’re thinking about your next move or simply want to understand what mortgage options may be available to you, I’m always happy to have an informal conversation.

Get in touch today for a friendly, no-obligation chat and let’s look at your options together.

 

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Business Protection

Running a business involves plenty of planning for the future, but it’s just as important to consider what could happen if something unexpected affects the business or the people it relies on. I provide tailored business protection advice to help business owners put appropriate financial safeguards in place.

Whether you operate as a sole trader, partnership or limited company, I can help you understand the different forms of protection available and identify solutions that are appropriate for your business. I can advise on a range of business protection policies, including:

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

No two businesses are the same, so I take the time to understand how your business works, the people who are important to its success and the potential financial impact if circumstances suddenly change. From there, I can recommend suitable protection solutions designed around your particular needs.

My role is to make the process as clear and straightforward as possible, from our initial discussion through to arranging cover. With the right planning in place, you can have greater confidence in your business’s future while continuing to concentrate on running it.

If you’d like to discuss how business protection could fit into your plans, get in touch for a friendly conversation and we can explore the options available to you.

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Mortgage Advice in Harlow

Buying your next home in Harlow should feel exciting rather than overwhelming and having the right mortgage in place can make a real difference. Whether you’re relocating to Harlow or moving to another property within the local area, Sergiu Moldovan, our experienced mortgage and protection adviser in Harlow, can help you explore your mortgage options.

If you’re considering a Home Mover Mortgage, Sergiu will take the time to understand your circumstances, explain the choices available and help you find a mortgage solution that is appropriate for your financial situation and plans.

Mortgage Advice in Grays

Planning a move within Grays or looking for a new home elsewhere in the area? Whatever your next property move looks like, choosing a suitable mortgage is an important part of the process. Sergiu Moldovan, our mortgage and protection adviser in Grays, can provide friendly, straightforward guidance throughout.

Sergiu can help you understand the mortgage options available to you, taking into account your individual circumstances and financial requirements, so you can move forward with greater confidence when arranging your next home.

Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Romanian Speaking Mortgage Adviser

I am a Romanian-speaking mortgage adviser who can communicate with clients in Harlow and Grays in Romanian during general conversations about their mortgage needs. I can also support Romanian speaking clients in London and from across the UK.

This helps create a welcoming and reassuring experience, making it easier for clients to discuss their circumstances and ask questions in their preferred language.

To comply with mortgage regulations, all regulated mortgage advice, mortgage recommendations and responses to mortgage-related questions are given in English.

Clients who would benefit from additional language support are welcome to arrange for an interpreter or translator to assist them.

Alternatively, a family member aged 18 or over may act in this role. If a family member is used as an interpreter or translator, their name and relationship to the client will be recorded as part of the mortgage application process.

We are committed to helping Romanian-speaking clients better understand each stage of the mortgage process, so they can make informed financial decisions with confidence and peace of mind.

Mortgage and Protection Advice Harlow & Grays – Frequently Asked Questions

1. How much can I borrow for a mortgage in Harlow or Grays?

The amount you could potentially borrow will depend on a range of factors, including your income, outgoings, deposit, credit history and the lender’s individual affordability criteria. Rather than relying on a general mortgage calculator, speaking to a mortgage adviser can give you a clearer understanding of the options that may be available based on your circumstances.

2. Can you help me find a mortgage for a property in Harlow or Grays?

If you are looking to purchase a property in Harlow, Grays or the surrounding areas, we can help you explore mortgage options that may suit your circumstances. Whether you are buying your first property, moving to a larger home or purchasing an investment property, we can guide you through the mortgage process.

3. Can I get mortgage advice before I have found a property?

Getting your finances considered before you start seriously viewing properties can be helpful. Understanding your potential borrowing position and what your mortgage payments could look like may give you greater confidence when searching for a home in Harlow or Grays.

4. What happens if I have a small deposit for a property in Harlow or Grays?

Having a smaller deposit does not necessarily mean you cannot obtain a mortgage. There are mortgage products available at different loan-to-value levels, although the options and rates available will depend on your circumstances and the lender’s criteria. We can discuss your deposit and financial position with you and explain what may be achievable.

5. Can you help me if I have a less-than-perfect credit history?

A previous credit issue does not necessarily mean that obtaining a mortgage will be impossible. Lenders have different approaches to credit history and assess applications according to their own criteria. We can look at your circumstances, explain the potential options and help you understand what information may be required.

6. Do you offer buy-to-let mortgage advice in Harlow and Grays?

If you are considering purchasing a property to let, we can discuss your buy-to-let mortgage requirements and explain the options that may be available. The lending criteria for buy-to-let mortgages can differ from residential mortgages, so taking professional advice can help you understand the process before making any decisions.

7. Can you help landlords who already have a mortgage in Harlow or Grays?

If you already own a rental property, we can review your mortgage requirements and discuss options when your existing deal is approaching its end or if your circumstances have changed. We can help you understand the choices available, subject to the relevant lender criteria and your individual circumstances.

8. What types of protection should I consider when taking out a mortgage?

There are several forms of protection that could be relevant when taking out a mortgage, including life insurance, critical illness cover and income protection. The appropriate type and level of cover will depend on your personal and financial circumstances. We can help you understand the differences and consider the protection that may be suitable for you.

9. Can mortgage and protection advice be arranged around my circumstances?

Everyone’s financial situation is different, which is why taking a personal approach can be so valuable. Whether you are a first-time buyer, an existing homeowner, self-employed, moving house or reviewing your protection arrangements, we can discuss your circumstances and help you understand your options.

10. How do I arrange mortgage advice in Harlow or Grays?

Getting started is straightforward. You can speak to our mortgage and protection adviser about your plans, financial circumstances and what you are hoping to achieve. From there, we can explain the next steps and help you navigate the mortgage and protection process with clear, straightforward advice.