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You'll have access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Our mortgage consultants can access exclusive mortgage lending rates which are not available to you when applying direct (terms apply).

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How to get a mortgage - or remortgage - in Barnet


Barnet is an area in Barnet Borough in London, 10 miles north north-west of the capital's centre. It's often also called High Barnet or Chippping Barnet. Barnet Church, or more correctly St John the Baptist Church, is a landmark which can be easily seen - it was built in 1560 and some claim it is the highest point between itself and the Ural Mountains. There is an Everyman Cinema in the area, as well as the All Saints Art Centre, the Barnet Museum and independent snack outlets such as The Coffee Bean.


The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip 

Having difficulty making repayments and on time? Speak to the lenders concerned

You may be in a situation where you are finding it difficult to make the repayments specified on the debt you've taken on. If so, you should get in touch with the companies you owe the money to as they might accept lesser payments from you or give you a grace period (an extension on the deadline by which you must have made a repayment).

Remember that defaulting on payments or making payments late lowers your credit score. If you can come to an arrangement with your creditors, your credit score is much less likely to be harmed.
Top Mortgage Lenders 

Interest-only Mortgage

The basic premise of an interest-only mortgage is that your monthly payments purely cover the cost of servicing the interest on the loan and are not put towards paying down the capital itself.

To pay down the capital, the mortgagor is obliged to save money in another investment vehicle which hopefully generates sufficient cash by the end of the mortgage term to pay off the capital – this is not guaranteed.

Only commercial property buyers such as buy to let investors can access interest-only mortgages at the present time; the higher risk profile of these mortgages is thought to be too dangerous for residential buyers to be involved with.
EN4 8RN

Property Price Stats for Barnet


Average property price in Barnet £555,024
% Change compared to last year 14%
Population of Barnet 331,500


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

RECENTLY COMPLETED MOVES IN Barnet

  • 56 Windsor Drive, East Barnet, Herts, EN4 8UD
  • 37 Brimsdown Avenue, Enfield, EN3 5EW
  • Flat 33, Acer Court, 21 Enstone Rd, Enfield, EN3 7WT
  • 22 Peabody Court, 3 Martinee Drive, EN3 6GU
  • 10 Somerset Road, New Barnet, London, EN5 1RP

Local High Street Banks in Barnet

Find a mortgage lender near you:
Some branches may have closed down - Call 0207 112 5388 for a Mortgage Broker covering Barnet

  • Barclays Bank Plc - 253 E Barnet Rd, London, Barnet EN4 8ST
  • HSBC Bank Plc - 140 High St, Barnet EN5 5XW
  • Santander Bank Plc - 136-138 High St, Barnet EN5 5XR

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Mortgage Broker Tips for the Conveyancing Process

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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