Giles Finance advises borrowers across Havering and south Essex from our Rainham office at 16A Upminster Road South. We are an FCA-authorised, whole-of-market broker (firm reference 726857), and we arrange residential, buy-to-let and commercial lending for clients in Rainham, Hornchurch, Upminster, Elm Park and the wider RM postcodes.
What we arrange from the Rainham office
Rainham and the surrounding Havering suburbs are predominantly owner-occupier territory — family houses, established streets and a steady flow of second and third-time movers. The advice we give here leans more towards residential lending than the commercial work we handle elsewhere, though we arrange both.
- First-time buyer mortgages and remortgages
- Buy-to-let mortgages for private and portfolio landlords
- Secured loans and second charge mortgages
- Bridging finance where a purchase must complete ahead of a sale
- Commercial mortgages on retail and mixed-use premises
- Mortgages for self-employed applicants and contractors
The local lending picture
Two factors shape mortgage enquiries in this part of Havering. The first is the Beam Park and Rainham riverside development, which has brought a supply of new-build stock into an area otherwise dominated by inter-war and post-war housing. New-build lending carries its own criteria — on valuation, on incentives from the developer, and on how long an offer remains valid where completion is some way off.
The second is affordability for movers. Where a household is stretching to trade up, the difference between lenders on income multiples, treatment of bonus or overtime, and how self-employed profits are assessed can decide whether a purchase is possible at all. A whole-of-market search matters more in those cases than a headline rate does.
Areas covered from Rainham
Rainham, Hornchurch, Upminster, Elm Park, Dagenham East, South Ockendon, Aveley and the surrounding RM postcodes. We also act for clients across England and Wales, with offices in Dagenham, Putney and Willenhall.
Contact the Rainham office
Giles Finance
16A Upminster Road South
Rainham
Essex
RM13 9YX
Telephone: 020 8088 2211
Appointments are advisable. Send an enquiry and we will arrange a convenient time.
Giles Finance is authorised by the Financial Conduct Authority (No. 726857) to transact regulated mortgages. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Not all buy-to-let and commercial lending is regulated by the Financial Conduct Authority.