Essex Mortgage customer service phone number — how to find, verify and use it

How to locate the official Essex Mortgage customer service phone number

There is no single universal rule for a company’s telephone number because different divisions (sales, servicing, arrears, complaints) often use separate lines. The safest way to find the official Essex Mortgage customer service phone number is to consult the company’s own published channels: the landing page of their corporate website, the footer of customer-facing policy documents (terms & conditions, payment instructions), and recent correspondence (email headers, letters, monthly statements). These sources will show the active number and the extension for specific departments.

If you cannot locate a verified phone number on the document you hold, use public registers to confirm legitimacy before calling. In the UK, check the FCA register at https://register.fca.org.uk and Companies House at https://find-and-update.company-information.service.gov.uk to confirm the company name, registered address and the official website. In the United States, state mortgage licensing searches and the Nationwide Multistate Licensing System (NMLS) help verify originators and servicers; see https://www.nmlsconsumeraccess.org.

What to expect when you call Essex Mortgage customer service

When you reach the customer service team you should be routed according to your need: routine servicing (balance, next payment date, statement requests), payment or arrears support, product enquiries (fixes, remortgage), and formal complaints. Most mortgage servicers operate dedicated lines during business hours — commonly Monday to Friday, 9:00–17:30 — and provide an option to request a callback or use an automated menu for quick balance checks. If the company uses outsourced call centres it should still display this information in their privacy or contact policy.

Typical first-call outcomes include confirmation of your account details, issuance of a statement or the arrangement of a follow-up with a specialist (e.g., arrears or customer retention). Be prepared for hold times; busy periods (first working day of the month, early morning, lunchtime) can increase wait times to 10–25 minutes. If you require a binding quote (redemption figures, product-switch figures), ask for the quote reference number and its expiry date — most firms issue redemption statements valid for 7–30 days.

Typical call outcomes and timelines

Simple tasks — balance checks, payment set-ups, address changes — are usually resolved during the call or within 48 hours. More complex requests (porting a mortgage, issuing redemption figures, formal complaints) have longer prescribed timescales: for UK firms, complaint acknowledgment should happen promptly and a firm should give a substantive response within eight weeks, after which you can take the matter to the Financial Ombudsman Service. For contract changes or legal documents, expect 5–20 working days depending on complexity.

Always request a reference number for the call and the name of the agent you spoke with. If the agent promises a follow-up email or document, note the expected delivery timeframe and escalate to the written contact address if not received within the agreed window.

What to have ready before you call

Preparing key information reduces call time and helps achieve a satisfactory outcome on the first contact. At a minimum, you should have your mortgage account number, the property address, your full name and date of birth, and the last payment date/amount. If you’re calling about arrears, bring recent bank statements showing missed/late payments and any correspondence that documents hardship or payment offers.

Below is a concise checklist to have immediately available when making the call. Presenting this information upfront speeds identification and ensures the adviser can quote the correct products and terms.

• Mortgage account number (on statements) and property address.
• Recent statement or screenshot showing outstanding balance and last payment date.
• Personal ID details: full name, date of birth, national insurance or social security number (only if required and on secure channel).
• Payment method details: bank account, debit/credit card if changing payments, and any existing direct debit reference.
• Objective for the call: e.g., request redemption figure (specify required date), arrange payment holiday, switch product, or log a complaint.
• Preferred contact method and time window; note any vulnerability or language needs so the agent can arrange specialist support.

Alternative contact channels and self-service

Most mortgage firms supplement phone service with secure online portals, live chat, and email. Portals allow you to download statements, view transaction history, set up or amend payments and upload documents. If your servicer has an app or online account, set up two-factor authentication and check the “secure messages” inbox — many firms push transactional notices there rather than by post.

If you cannot reach the phone line, use secure online messaging (if available) or registered post for urgent legal requests. For quick balance checks without logging in, automated phone menus often provide balance and next payment date using your account number and a memorable date. Avoid sharing sensitive data over unverified channels and always confirm the web domain exactly (look for HTTPS and the padlock icon).

Escalation, complaints and regulator contacts

If a phone call does not resolve the issue, escalate in writing and retain copies of all correspondence. For UK customers who remain dissatisfied after eight weeks, you may refer the complaint to the Financial Ombudsman Service (FOS). The FOS website is https://www.financial-ombudsman.org.uk and they provide a step-by-step complaint process. For US consumers, the Consumer Financial Protection Bureau (CFPB) accepts complaints at https://www.consumerfinance.gov or by phone at 1-855-411-2372.

Below are authoritative sources to verify a mortgage servicer and lodge formal complaints. Use these lines to confirm the company’s registration and to get guidance on statutory timelines and remedies.

• UK: Financial Conduct Authority register — https://register.fca.org.uk; Financial Ombudsman Service — https://www.financial-ombudsman.org.uk.
• UK company verification: Companies House — https://find-and-update.company-information.service.gov.uk.
• US: Consumer Financial Protection Bureau — https://www.consumerfinance.gov, phone 1-855-411-2372; NMLS Consumer Access — https://www.nmlsconsumeraccess.org.

Final practical tip: always verify any phone number by cross-referencing the company’s official website and regulator registers before providing account or payment details. If you do find an “Essex Mortgage” customer service number on a search engine result, confirm it against a statement or the regulator’s listing to avoid fraud and ensure you are speaking to the authorised servicer of your mortgage.