Mortgage Broker Havering

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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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Free Mortgage Consultation*
No need for Face to Face meeting
Available 8am to 7pm
Bespoke Mortgage Rates**
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 Havering

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 Havering Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

Get on the electoral roll – you're unlikely to get credit if not

Being on the electoral roll will not only improve your credit score but more importantly is normally necessary to be granted credit at all.

If you're not on the roll, a credit agency's score might indicate that your credit rating is excellent, but in practice, you won't normally be granted credit if you apply because of fraud scoring, Lenders invariably use the electoral roll to check IDs and addresses.

Repayment Mortgage

All residential mortgages are repayment mortgages as opposed to interest-only mortgages. The mortgagor, typically over a 25-year time period, makes regular monthly payments which involve a portion being made to pay off the interest on the loan and a portion used to pay off some of the capital.

The mortgagor, as time progresses, pays off an increasing amount of the capital. At the end of the term, assuming all repayments are made, the loan is fully paid off. Repayment mortgages have the advantage that you are developing a larger equity stake each month and this can make it easier to get a cheaper mortgage deal in the future.


Havering is a London Borough in east London, just over 19 miles from the capital’s centre. The main town in the borough is Romford and the other main settlements are Upminster, Rainham and Hornchurch. The borough contains a mix of residential areas with high streets at their centre with a major retail and entertainment centre at Romford as well as a number of pleasant open spaces. Landmarks and attractions include the 18th century Langtons House and gardens and the Diver sculpture in Rainham.

Property Price Stats for Havering


Average property price in Havering£330,790
% Change compared to last year14%
Population of Havering237,232 (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 Havering - Recently Completed

  • Portnoi Close, Romford, RM1 4AP
  • 52 Doncaster Way, Upminster, RM14 2PL
  • 120 Hall Lane, Upminster, RM14 1A
  • 1 Brookside, Hornchurch, Essex, RM11 2RU
  • 459 Rainham Road South, Dagenham, Essex, RM10 7XP

Local High Street Banks in Havering

Mortgage Broker in and around Havering

Our Havering mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Dagenham, South Ockendon, Great Warley, Stapleford Abbotts, Lambourne End, Kirkburton and Erith.

Which banks are local to you?


  • HSBC - 173 High St, Hornchurch RM11 3YS
  • Barclays - 36/38 South Street, Romford RM1 1RH
  • Nationwide - 56 South St, Romford RM1 1UP

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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 Havering

Mortgage Brokers Havering 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.

Havering Mortgage Broker Insider Tips

Get together all the required official paperwork you'll need for your conveyancing..

  • For ID purposes, you'll normally require an up-to-date passport and/or driving licence with a current home address.
  • You'll need to provide proof of funds; as an employee, you'll need at least the last 3 months' payslips and a P60; if you're self-employed, you'll need your SA302 from HMRC (you need to allow for a time lapse if you have to order this) or accounts covering the last 3 years.
  • If you're selling, you need any relevant documents detailing planning consents or building regulation approval and any guarantees for works or fittings and things like boiler safety certificates..

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