Mortgage Broker Berkshire

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There's no need to wait days to speak to a mortgage lender direct when you can get a FREE  mortgage consultation with our Mortgage Advisor today who has access to the whole of the mortgage market and the best mortgage rates.

 
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We handle the whole  Mortgage Process
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** Not available when applying direct with the mortgage lender
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Our Mortgage Broker Guide to getting a mortgage in Berkshire

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 Berkshire Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

New to credit and want to increase your score? Get a credit card – and use it wisely

If you haven't had credit before, you won't have a very high credit score. You can help this by taking out a credit card and paying out a small amount on it each month (such as a subscription to Netflix). Ensure you set up a direct debit to repay the full amount each month so you don't get involved with having to repay the money subject to a large APR.

You don't have to ever use the card to take out money – this is very expensive and will actually hurt your credit score – and each time you make a repayment, your credit score will incrementally improve.

Joint Borrower Sole Proprietor Mortgage

A person may wish to buy a home but their salary multiples may mean that they can't get a sufficiently large mortgage to do so. One strategy they can use is to make a joint application for a mortgage, involving someone who can get a mortgage, and that other person then does not appear on the legal title. A joint borrower sole proprietor mortgage is the term for the mortgage the pair apply for.

There are legal risks involved in this strategy and at the very least, both participants are well advised to draw up a deed of trust to protect their individual interests.

If you wish to find out more about this subject, please click on Joint borrower Sole Proprietor Mortgages


Berkshire is a county in south east England and is often known as the Royal County of Berkshire because it hosts Windsor Castle, which is the largest inhabited castle in the world. It also contains Ascot Racecourse, which is owned by the reigning monarch and has its annual world-famous week-long meeting. It contains a university, the University of Reading, and branches of both Imperial College and Thames Valley University.

Property Price Stats for Berkshire


Average property price in Berkshire£378,136
% Change compared to last year10%
Population of Berkshire803,657


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 Berkshire - Recently Completed

  • Churchfield Cottages, Bedford Lane, Ascot, Berkshire, SL5 0NN
  • 3 Drummond Court, 179-171 New Road, Ascot, Berkshire, SL5 8PU
  • Strouds Copse, Warfield, Bracknell, Berkshire, RG42 6JB
  • 22 Spurcroft Road, Thatcham, Berkshire, RG19 3XX
  • 23 Cambrian Way, Basingstoke, Berkshire, RG22 5AH

Local High Street Banks in Berkshire

Mortgage Broker in and around Berkshire

Our Berkshire mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Ascot, Reading, Slough, Bracknell, Maidenhead, Ashford and Windsor.

Which banks are local to you?


  • HSBC Bank Plc - Berkshire, Bracknell RG12 1DN
  • Barclays Bank Plc - 19, High St, Ascot SL5 7JG
  • Metro Bank Plc - 116-118 Peascod St, Windsor SL4 1DP

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Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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FREE mortgage consultations for Berkshire

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

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Fast mortgage appointments

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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Impartial Mortgage Advice

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

Berkshire Mortgage Broker Insider Tips

Book your mortgage valuation as soon as you've had your offer accepted

If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle but then, once you've had an offer accepted, your mortgage lender has to value the property and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.

You can therefore minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down. 

Additionally, if there's any issues, like your lender undervaluing your property or making you a conditional offer, there might be further delays.

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