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How to get a mortgage - or remortgage - in Braintree


Braintree is a quaint town in Essex situated 10 miles north of Chelmsford, 15 miles west of Colchester and 54 miles northeast of London. Bocking is an area of Braintree that is growing in size, so the town is sometimes referred to as Braintree and Bocking.

It is thought that the first houses built on the site of Braintree were established 4,000 years ago in the Bronze and Iron Ages. This location was chosen due to the closeness of the River Brain.

In the 14th century the town began processing and manufacturing woollen cloth and continued to do so until the late 19th century. This type of manufacturing was taken over by silk manufacturing which resulted in Braintree becoming a thriving town with a good economy.

Attractions in Braintree include the Braintree Museum, the Braintree Arts Theatre and the Braintree and Bocking Carnival that takes place each summer.


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 

Regularly moving house can affect your credit score

You will often be asked “Have you lived at this address for longer than 3 years?” because if you haven’t been registered at one address for a long period of time this can have a negative effect on your credit rating.

Lenders favour stability and consistency over constant change so if they see evidence of you regularly moving on your credit report they may be less likely to lend to you.
Top Mortgage Lenders 

Offset Mortgage

Offset mortgages are those in which you have a savings account linked to your mortgage. The savings account you link it with will no longer receive interest, but the benefit is you don’t pay interest on your mortgage up to the value of your savings account.

You only pay interest on the difference between the value within your savings and the value of your mortgage. It is possible to save thousands of pounds with this type of mortgage as you aren’t paying a lot of the interest you would be paying without this offset, so you may be able to pay off your mortgage quicker.
CM7 1ER

Property Price Stats for Braintree


Average property price in Braintree £292,224
% Change compared to last year 5%
Population of Braintree 53,477 (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

RECENTLY COMPLETED MOVES IN Braintree

  • Jersey Way, Braintree, CM7 2FA
  • Kings Lane, Stisted, Braintree, Essex, CM77 8AG
  • Crown Meadow, Braintree, Essex, CM7 9EX
  • Clockhouse Way, Braintree,Essex CM7 3RD
  • Church Street, Braintree, CM7 5LQ

Local High Street Banks in Braintree

Find a mortgage lender near you:
Some branches may have closed down - Call 0333 344 3234 for a Mortgage Broker covering Braintree

  • Lloyds Bank - 2-4 Bank St, Braintree CM7 1UN
  • HSBC - Great Square, Braintree CM7 1TX
  • NatWest - 47 High St, Braintree CM7 1JT

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Mortgage Broker Tips for the Conveyancing Process

Agree a date you want to compete by as soon as your offer is accepted

Even though you may not actually end up moving on the date you agree at this point, it is likely to focus any chain on a timeframe for exchange of contracts and completion, which is likely to save considerable time overall.

Ask your solicitor to inform all other parties of your preferred timeline.

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*Fixed Fee – No Sale No Fee – On all Major Lender Panels