Mortgage Broker Swindon

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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 Swindon

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 Swindon 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.


Swindon is a large town in Wiltshire County is south west England around 80 miles west of London. It has been cited as being one of the best places to live in the UK. Landmarks and attractions include the Museum of the Great Western Railway and Lyland Park, a pleasant 18th century country house and estate.

Property Price Stats for Swindon


Average property price in Swindon£196,109
% Change compared to last year12%
Population of Swindon209,156 (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 Swindon - Recently Completed

  • Victoria Rd, Swindon SN1 3BL
  • 11 Whitbourne Ave, Swindon SN3 2GD
  • 275 Whitworth Rd, Swindon SN25 3BU
  • 12 Sussex Square, Swindon SN3 3BJ
  • 48 Commercial Rd, Swindon SN1 5NX

Local High Street Banks in Swindon

Mortgage Broker in and around Swindon

Our Swindon mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Cricklade, Royal Wootton Bassett, Wroughton, Marlborough, Aldbourne, Skelton and Broad Hinton.

Which banks are local to you?


  • TSB - 31 The Parade, Swindon SN1 1BB
  • Barclays - 28 Regent St, Swindon SN1 1QB
  • Lloyds - 5 High St, Swindon SN1 3EN

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

Swindon Mortgage Broker Insider Tips

Selling? Deal with any issues which are likely to appear on a survey before you market your property

A cautious buyer is more likely to book a RICS home buyers survey which is likely to show up any potential or actual defects your property may have.

If there are any, these may give a prospective buyer grounds either to bargain with you for a reduction in selling price or even to pull out of buying. At the very least you may end up wasting time as a result.

You should therefore call in a professional to remedy any structural issues you may have such as damp – the cause might often be damaged roofs or window frames or leaking pipes.

Click to book your building defect specialist