Mortgage Broker Caversham

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Free Mortgage Consultation*
No need for Face to Face meeting
Available 8am to 7pm
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We handle the whole  Mortgage Process
* Terms and Conditions apply
** Not available when applying direct with the mortgage lender
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Our Mortgage Broker Guide to getting a mortgage in Caversham

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 Caversham Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

Applying for a mortgage? Never take out a payday loan

Some mortgage underwriters automatically reject applications for mortgages from people who have taken up payday loans.

Lenders most often view the use of payday loans as evidence of poor money management. They are also extremely expensive.

Mortgage Types

Mortgages can be broadly divided in the following ways:

  • Repayment or Interest-only
  • Fixed or variable rate
  • Offset
  • Help to Buy
  • 'Helper'

Residential mortgage applicants can only take out repayment mortgages, where monthly payments are divided between paying off the interest on the loan and paying down the capital borrowed. Non-residential mortgage applicants can take out interest-only mortgages, where monthly payments are purely used to pay off the interest on the loan and the capital must be found at the end of the term from other sources.

Mortgage interest rates can either be fixed for set periods or track a rate (essentially the Bank of England base rate). Offset mortgages involve interest which would be paid to the mortgagor on another account being put towards paying off the interest on the mortgage. Help to Buy mortgages are residential mortgages which accompany Government equity loans to enable buyers on the scheme to buy New Build houses.

Helper mortgages describe mortgages which involve an associate of the mortgage doing something which assists a mortgagor to buy a home. The associate has carry out an action such as open a linked account, guarantee the mortgagor's repayments using their own home as security or devote the interest on a savings account to helping pay down the interest which the mortgagor owes.


Caversham is an affluent suburb of Reading Borough in Berkshire, on the north bank of the River Thames. Attractions include Caversham Court, Caversham Lakes, Christchurch Meadows and the lovely Mapledurham House, a medieval country house which boasts a working 15th century watermill.


Property Price Stats for Caversham


Average property price in Caversham£405,496
% Change compared to last year15%
Population of Caversham23,885 (2011)


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 Caversham - Recently Completed

  • Kidmore Road, Caversham, Reading RG4 7NH
  • 14 Kingsway, Caversham, Reading, RG4 6RA
  • 10 Dovesdale Close, Caversham Heights, Reading, Berkshire, RG4 7AL
  • 3 Rotherfield Way, Caversham, Reading, Berkshire, RG4 8PJ
  • 271 Gosbrook Road, Caversham, Reading, Berkshire, RG4 8DX

Local High Street Banks in Caversham

Mortgage Broker in and around Caversham

Our Caversham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Reading, Earley, Henley on Thames, Pangbourne, Twyford, Chertsey and Play Hatch.

Which banks are local to you?


  • Natwest Bank Plc - 7 Bridge St, Reading RG4 8AE
  • Nationwide Building Society - 14 Church St, Reading RG4 8AR
  • HSBC Bank Plc - 26 Broad St, Reading RG1 2BU

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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 Caversham

Mortgage Brokers Caversham 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

Independent Mortgage Broker

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.

Caversham Mortgage Broker Insider Tips

Book your home buyers survey as soon as you have your offer accepted.

Getting a RICS home buyers survey is always recommended because you get an expert opinion on whether a property you want to buy has any defects which may give you grounds to bargain for a lower price with a vendor or even pull out.

Once you have instructed a RICS surveyor, it may take perhaps up to 10 days before they can carry out their inspection and then they may take five working days (or more) to get the report back to you. You should therefore keep delays to a minimum by booking your survey as soon as possible.

Click to get your FREE RICS Home Buyers Survey Quote
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