Mortgage Broker South Kensington

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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 South Kensington

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 South Kensington Tip 1
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Mortgage Broker Tip 1

Mortgage Broker Tip 2

Get wise to APRs

APRs are a fundamental to understanding how much your borrowing will cost you. They vary greatly according to what form of borrowing is being taken on and how high your credit score is.
You are well advised to shop around between products and types of borrowing available to you where APRs are concerned and you must find out what your credit score is – if it's on the low side, you're likely to be charged higher APRs on borrowing or even for your application to be refused.

Family Deposit Mortgage

With family deposit mortgages, a family member places cash in a linked special savings account to help another family member secure a mortgage to buy a home and where the money in the account is held as security against the mortgage not being paid off.

The cash is held for a fixed period of time, which can be quite long (many years). The risk is that the mortgagor defaults on repayments so the helper family member's money is at risk. However, savings interest is payable on the linked account, even if at a comparatively low rate, and if the correct repayments are made, there's no other cost to the helper family member.


South Kensington is a particularly affluent district of West London and building increased greatly there in the mid-19th century.

It is an excellent mix of cosmopolitan shops and streets, well-known venues and organisations and beautiful Victorian residential properties and squares.

Landmarks and attractions around the locale include Hyde Park, the Science and Natural History Museums, Imperial College, the Brompton Oratory, Boujis night club (now closed) and the Royal Albert Hall.

Property Price Stats for South Kensington


Average property price in South Kensington£2,208,882
% Change compared to last year- 13%
Population of South Kensington19,725 (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 South Kensington - Recently Completed

  • Brunswick Gardens W8 4AL
  • Palace Gate W8 5NF
  • Palace Gardens Terrace W8 4SB
  • North End House W14 0RS
  • Masbro Road W14 0LS

Local High Street Banks in South Kensington

Mortgage Broker in and around South Kensington

Our South Kensington mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Chelsea, Shepherd's Bush, Fulham, Hammersmith, Belgravia, Holland Park and Bayswater.

Which banks are local to you?


  • Barclays Bank - 20 Old Brompton Rd, South Kensington, London SW7 3DL
  • NatWest Bank plc - 18 Cromwell Pl, South Kensington, London SW7 2LB
  • Lloyds Bank Plc - 67 Old Brompton Rd, South Kensington, London SW7 3JX

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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 South Kensington 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.

South Kensington Mortgage Broker Insider Tips

Consider booking your searches as soon as you have an offer accepted

If you're buying a property with a mortgage, your lender will normally expect you to book four standard property searches (local authority, environmental, chancel indemnity and drainage) and you are advised to get searches anyway so you have as much information on your property as possible.

Although you could choose to delay getting your searches to space out your conveyancing-related payments, you are more likely to save time on your conveyancing if you do not.

Your solicitor needs the information detailed in the searches as part of their extensive checks on the property you're looking to buy. As soon as they have this, the quicker they can carry these out and the sooner you'll be able to exchange contracts with the vendor, all going well.

Should you or the vendor choose to pull out of the sale for any reason, the searches can be sold on to any other prospective buyer of the property in question.

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