Find the best mortgage, to suit your needs, with our exclusive intermediary rates

No Obligation and no upfront charges. Appointments are available at a time to suit you, during the day,
evenings after work or Saturdays. Call us to book your appointment or contact us via the website form.


Fixed-rate Mortgage

No worries about interest rates risings


The rate at which interest is charged on your mortgage is fixed for an agreed period of time. You can choose from a 2 year fixed rate, 3 year fixed rate, 5 year fixed rate or even a 10 year fixed rate. Fixed rate mortgages provide you with peace of mind, because the exact monthly cost is known. You are also protected from any interest rate increases during this period of time, but this means that you will not benefit if interest rates fall. Remember there can also be early redemption fees and arrangement fees



Finding the best deal

Get a better rate, borrow additional moneys


You may wish to remortgage if your current mortgage deal is coming to an end, you need to borrow some extra money, or you may be moving house. Too many customers leave it too late and end up on their Lender’s Standard Variable Rate. If this happens then, you could be paying more than you need to be on your mortgage payments each month. Whatever your reasons, an appointment with us will give you the best options available for your needs


Moving House

Looking to move? Let us help you

Get a better deal, port your existing mortgages


If you are moving home, this is an ideal time to search around for a better mortgage rate. You will need to check if there are any penalties on your existing mortgage. Most mortgages are portable, which means you can transfer them to your new property. If you are 'upsizing' you may want to borrow more. We can help you decide the best option for your individual needs. Speak to us to help you make your move smoother and simpler


First Time Buyer

95% mortgages with only 5% deposit

Special first time buyer rates


Buying your first home and getting a mortgage can be daunting and confusing. We will help you through every step of the mortgage process with our friendly, efficient service. We will explain everything clearly and jargon free, and advise you on how much you can borrow, and discuss what type of mortgage is most suitable for your individual circumstances


Retirement Interest Only (RIO)

Help your family - release capital for any purpose.


A retirement interest-only mortgage is only available on your main residence and is very similar to a standard interest-only mortgage, with two key differences.

1.The loan is usually only paid off when you die, move into long term care or sell the house.

2.You only have to prove you can afford the monthly interest repayments.

While there’s no minimum age requirement, retirement interest-only mortgages are generally aimed at older borrowers, such as the over 55s, over 60s. They are similar to types of equity release schemes like a lifetime mortgage, where you pay off your debt when you die or move into long-term care


Buy to Let

Speciality lenders, portfolio landlords, property investment


Investing in property is a popular way of planning for your financial future. Whether you are a first time landlord, a portfolio landlord or a Ltd Company Buy to Let we can help you with getting a mortgage.


Approval in Principal

To demonstrate to the seller and estate agent that you are approved and ready to proceed and to enable you to make an offer on a property


A mortgage approval in principle is also known as a Decision in Principle (DIP), or an Agreement in Principle (AIP). This is a statement or certificate from a lender saying that they’ll lend a certain amount to you. If you’ve got a mortgage in principle, you can show Estate Agents and sellers that it’s likely you’ll be able to afford the property that you want to purchase. This could help if they’re deciding between more than one buyer. You won't need to go through the full application process to get an agreement in principle. This happens when you've had an offer on a property accepted


Home Improvements

New kitchen/bathroom, house extension.


If you feel your home would benefit from some upgrading, then it is possible to Remortgage for Home Improvements. Investing in your home can be an excellent investment. Some improvements, such as extensions or loft conversions, can put a value on your home, and you can increase your mortgage to pay for updating bathrooms and kitchens as well as structural work


Consolidate Loans

Clear loans to reduce monthly payments.


Homeowners can consolidate some or all of their outstanding debts, to in some cases, drastically reduce their monthly outgoings and make their debts far more manageable.

By taking out a remortgage for debt consolidation, or credit card consolidation, you will be able to use the equity in the value of your home to pay off your various debts and bring them together under one repayment plan with your mortgage, where the interest rate could be more favourable than with other types of credit

Call us on 01245 267 511
David Lewis Mortgage Services Ltd


01245 267 511


138 Moulsham Street
Chelmsford, Essex

Google Reviews

I could not recommend David Lewis more. We had the pleasure...MORE

I could not recommend David Lewis more. We had the pleasure of dealing with both David and Denise and they were fantastic from start to finish - were straight talking, honest, and incredibly helpful every step of the way. They helped us around a couple of tricky situations and found solutions to each of our issues, as well as ensuring any options they put to us were still in our best interest. I wouldn’t go anywhere else in the future and can’t thank the David, Denise and the rest of the team enough!

Jessica Wallace - Five Star


David has been brilliant in firstly getting me a good deal...MORE

David has been brilliant in firstly getting me a good deal on my remortgage with pushing it through a difficult situation, and more recently, being very quick to get me a good fixed rate deal with my lender. He has a great way of explaining deals and how it all works that's easy to understand!

Matt Weston - Five Star


Me and my partner went for a meeting with David this afternoon...MORE

Me and my partner went for a meeting with David this afternoon and we have received great advice to work towards our dream family home. Will definitely be returning once we are in a stronger position. Thanks again.

Russell Norton - Five Star



We act as mortgage and credit brokers only and are not authorised to be a 'lender' of monies.We are authorised and regulated by the Financial Conduct Authority. FCA No.926741