Mortgage Broker Barking

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Our Mortgage Broker Guide to getting a mortgage in Barking

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Barking Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

Reduce any debt you are in

Seems obvious of course – and always easier said than done – but this will do much more for you than simply improving your credit score.

Stop using credit cards, find out all the accounts you have and determine exactly what you owe on each one and what you're being charged in terms of interest etc. Create a payment plane which directs your finances towards repaying debt on the highest interest accounts but always covering all your minimum payments.

No Deposit Mortgage

No deposit mortgages enable you to get a 100% loan to value ratio on your mortgage, i.e. the lender grants you a mortgage which covers the seller's full purchase price with no deposit required from you.

These mortgages normally work by requiring an associate of yours (often a family member) to leave some money in an account for a set period of time with the account being controlled during that time by the lender. If you default on your repayments, the lender has recourse to the money in the linked account, which the associate risks losing. Another method is requiring an associate to put up their house as security in case you default.

Interest rates on these products are likely to be higher than normal. Click on No Deposit Mortgages to find out more.


Barking is an up-and-coming area about 8 miles to the east of London's centre, with a great local community. For leisure, it boasts a Victorian park (Barking Park in Longbridge Road - play areas, meadows, shrubberies, boating lake and cafe), Eastbury Manor House (in Eastbury Square; Tudor house with 17th century wall paintings, a timber attic and walled gardens), The Broadway Theatre (many diverse productions) and a large cinema. It has an excellent market.

Property Price Stats for Barking


Average property price in Barking£254,681
% Change compared to last year13%
Population of Barking8,036 (2001)


The property price data is sourced from  the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >>Land Registry
 

Mortgage Broker Barking - Recently Completed

  • Blake Avenue, Barking, Greater London, IG11 9SD
  • 108 Keir Hardie Way, Barking, Greater London, IG11 9NX
  • 214a Longbridge Road, Barking, Greater London, IG11 8UG
  • 232 St Marys, Barking, Greater London, IG11 7TD
  • 10 Stern Close, Barking, Greater London, IG11 0XW

Local High Street Banks in Barking

Mortgage Broker in and around Barking

Our Barking mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including East Ham, Upney, Ilford, Manor Park, Woodgrange Park, Flitwick and Silvertown.

Which banks are local to you?


  • Lloyds Bank Plc - 11 Station Parade, Barking IG11 8ED
  • Natwest Bank Plc - 32 East St, Barking IG11 8AB
  • HSBC Bank Plc - 23 Ripple Rd, Barking IG11 7NW

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Mortgage Brokers Barking offering free first consultation (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Barking Mortgage Broker Insider Tips

Getting financial help towards your deposit from a family member?

To save yourself delays in the conveyancing process further down the line:

1 The family member must decide whether it's a gift or a loan.
2 If it's a gift, you must ensure that the person gifting fills out a gifted deposit letter with the correct information.

The correct information must be set down and the letter must be signed by witnesses. The giver will also have to provide ID and proof of funds. If the giver isn't a family member, you must tell your mortgage lender as this can sometimes cause issues.

For further information about these matters, including a useful template, please click on Gifted Deposit Letter

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