Mortgage Broker West Drayton

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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 West Drayton

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 West Drayton Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

Check your credit scores annually or before you make a major application

You should know what your credit rating is so you'll have a better idea what the likelihood is that your application will be approved and whether you'll have to pay higher interest rates/APRs.

Remember that errors can happen so it's important to check that your file doesn’t have any as they can prove detrimental to your score. Remember also that failed applications for credit will themselves lower your score.

Flexible Family Mortgage

Flexible family mortgages are mortgages designed for first time buyers where family members or associates can provide security for the loan using a variety of methods.

The first time buyer has to amass a minimum 5% deposit then the associate might put 20% or more of the value of the home into a savings account which pays interest as security for the loan. The first time buyer pays a lower interest rate on their mortgage compared to other mortgages of this type. Or the associate might opt to offer a percentage of their own property as security or they might place savings in an offset account to reduce the amount of the mortgage. The mortgage can be structured to involve either of these methods or a combination of all 3.

The risks facing the associate follow from the methods used – if they opt to use a percentage of their own property for example, they stand to lose this percentage in the event of default.


Located within London's Hillingdon Borough, the area of West Drayton provides some great housing options and as well as being a mixed residential and business area, it also contains, in The Green, a conservation area.

The area has independent shops and is close to Uxbridge which has two large shopping malls. If you fancy a spot of tenpin bowling, you might want to check out the Airport Bowl in Harlington. There are gutter guards and bowling ramps for young children too as well as a restaurant.

Property Price Stats for West Drayton


Average property price in West Drayton£315,792
% Change compared to last year25%
Population of West Drayton14,370 (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 West Drayton - Recently Completed

  • St Martins Rd, West Drayton, UB7 7EP
  • Far View, The Common Donkey Lane, West Drayton, UB7 7HQ
  • 73 Merrivale Mews, West Drayton, Middlesex, UB7 7LZ
  • Flat 14, Burlington House, 2 Park Lodge Avenue, West Drayton, UB7 9FE
  • 89 Mulberry Crescent, West Drayton, UB79AQ

Local High Street Banks in West Drayton

Mortgage Broker in and around West Drayton

Our West Drayton mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Yiewsley, Hillingdon, Iver, Hayes, Harmondsworth, Cowley and Sipson.

Which banks are local to you?


  • Lloyds Bank Plc - 34 Station Rd, West Drayton UB7 7BZ
  • Barclays Bank Plc - 2 High Street, Yiewsley, West Drayton UB7 7DH
  • Nationwide Building Society - 79 High St, West Drayton UB7 7XA

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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 West Drayton 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.

West Drayton 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.

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