Joshua Baker, Commercial Mortgage Adviser at The Mortgage Baker Commercial Limited, based in Clacton-on-Sea

Joshua Baker is a mortgage adviser based in Clacton-on-Sea, Essex. He supports clients who need advice across commercial finance, buy-to-let, bridging, second charges and general insurance.

Joshua may be suitable for clients who want to understand their finance options before applying. This can be useful when a case involves an investment property, business premises, short-term funding or additional borrowing secured against property.

As an FCA-Approved Adviser, Joshua provides advice through The Mortgage Baker Commercial Limited. He helps clients review suitable options based on their property type, borrowing needs, and broader financial plans.

What Joshua specialises in

Joshua can support clients looking for advice on:

• Commercial mortgages
• Semi-commercial property finance
• Buy-to-let mortgages
• HMO finance
• Limited company buy-to-let mortgages
• Portfolio landlord finance
• Bridging finance
• Second charge mortgages
• General insurance

Who Joshua may be suitable for

Joshua may be a good fit if you are:

• Buying or refinancing a commercial property
• Looking at a semi-commercial property purchase
• Investing in a buy-to-let property
• Buying property through a limited company
• Reviewing HMO finance options
• Considering short-term bridging finance
• Exploring a second charge mortgage
• Looking for general insurance linked to your property plans

Location and availability

Joshua is based in Clacton-on-Sea and supports clients across Essex and nearby areas.

Joshua can support clients in:

• Colchester
• Chelmsford
• Southend-on-Sea
• Basildon
• Brentwood
• Braintree
• Harlow

Appointments may be available by phone, video call or in person, depending on location and availability. Mortgage Broker in Clacton-on-Sea

Why contact Joshua?

Commercial, buy-to-let and bridging finance can depend on property use, rental income, deposit level, trading history, exit route and lender criteria.

Joshua can help you understand which options may fit your circumstances before you apply. This can save time, reduce confusion and help you move forward with a clearer plan.