Mortgage Broker Newbury

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Available 8am to 7pm
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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 Newbury

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 Newbury Tip 1
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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


Newbury is a large town to the west of Berkshire County and is perhaps most known for Newbury Racecourse. Other prominent landmarks include Donnington Castle and Highclere Castle. Its well equipped town centre has many 17th century buildings and there are areas of outstanding natural beauty close by.

Property Price Stats for Newbury


Average property price in Newbury£314,763
% Change compared to last year11%
Population of Newbury32,000 (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 Newbury - Recently Completed

  • Rupert Rd, Newbury, RG14 7EL
  • 9 St Johns Road, Newbury, RG14 7PY
  • 9 Valley Road, Newbury, West Berkshire RG14 6ET
  • 4 Stanley Road, Newbury, RG14 7PB
  • 78 Gloucester Road, Newbury, RG14 5JN

Local High Street Banks in Newbury

Mortgage Broker in and around Newbury

Our Newbury mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Donnington, Thatcham, Greenham, Speen, Snelsmore Common, New Southgate and Hamstead Marshall.

Which banks are local to you?


  • Nationwide Building Society - 75 Northbrook St, Newbury RG14 1ND
  • Natwest - 30 Market Pl, Newbury RG14 5AG
  • HSBC - 6 Northbrook St, Newbury RG14 1AA

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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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Mortgage Brokers Newbury 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.

Newbury 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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