Mortgage Broker Windlesham

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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 Windlesham

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 Windlesham Tip 1
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Mortgage Broker Tip 1

Mortgage Broker Tip 2

Get a Credit Card

A credit scoring agency needs for you to have a credit in order for them to score you. Get a credit card, use it and pay it off in full. You must pay it off in full, otherwise you will worsen your credit score. Your credit report will start to show a credit where you borrow money and pay it off –this is exactly what mortgage lenders want to see.

Remember, use it and pay it off every month, otherwise this won’t work. If you have struggled getting a credit card before, go to a company that offers credit cards to people with bad credit rating. The interest rate will be through the room, but don’t worry, because you are paying off the balance every month you won’t incur any interest penalties.

Fixed Rate Mortgage

This type of mortgage loan involves repayments being fixed at a certain agreed interest rate for a set term with no adjustments. Their advantage is that a mortgagor knows exactly what has to be repaid each month for a set period and will be unaffected by for example sudden changes in the Bank of England base rate (which may or may not be to the advantage of the mortgagor).

Typically, the fixed period is 2 years, 3 years, 5 years or 10 years. When the fixed term has expired, these mortgages normally change to variable rate mortgages, where the repayments can float (go up or down) because the rate moves when an underlying index – most normally the Bank of England base rate – moves. When the fixed term ends, the mortgagor can opt renew a fixed rate contract.


Windlesham is a pleasant village in Surrey of the 'commuter dormitory' type. Its most prominent landmark is Updown Court, a Californian style residence which was, in 2007, valued as the most expensive house in the world. Windlesham Arboretum features lakes, monuments, follies, a very small chapel and approximately 22,000 mature and rare trees. The village has great connections - the M3 and A30 pass nearby, Heathrow Airport is near and there are two rail stations within easy reach - and nearby Bagshot provides a number of shopping options. There are four schools in the area, two of which are in Windlesham village itself.

Property Price Stats for Windlesham


Average property price in Windlesham£552,176
% Change compared to last year0%
Population of Windlesham4,392 (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 Windlesham - Recently Completed

  • Oakwood Road, Windlesham, Surrey, GU20 6JD
  • 18 Oakwood Road, Windlesham, Surrey, GU20 6JD
  • 4 Florence Court, Woking, Surrey, GU21 2TN
  • Up Down Hill, Windlesham, Surrey, GU20 6DL
  • 10 Eastbrook Close, Woking, Surrey, GU21 5DQ

Local High Street Banks in Windlesham

Mortgage Broker in and around Windlesham

Our Windlesham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Chobham, Lightwater, West End, Bagshot, Sunningdale, Addlestone and Ascot.

Which banks are local to you?


  • Handelsbanken - 2, Queens Square, Ascot Business Park, Lyndhurst Rd, Ascot SL5 9FE
  • Barclays - 19, High St, Ascot SL5 7JG
  • TSB - 21 High St, Ascot SL5 7JE

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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 Windlesham 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.

Windlesham Mortgage Broker Insider Tips

If a family member or friend is providing you with any of the finance towards your home purchase in Windlesham, make sure your solicitor has all the information in good time.

If there is a loan or a gift, your solicitor may need proof of funds, relevant documentation and a proof of ID. If they do not have this, you may find yourself ready to exchange but not able to go ahead. Furthermore, your mortgage lender may not be happy to lend where there is an unregistered interest (i.e. the financial interest of your relative or friend) over the property. 

They will want to know if this is going to be a gift or a second registered charge. As you can see this is prone to getting complicated and can affect whether or not you decide to proceed. If you can get everything underway and sorted out as soon as possible, you will be in a better position to make an informed decision from the outset.

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