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Your home may be repossessed if you do not keep up repayments on your mortgage.

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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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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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How to get a mortgage - or remortgage - in Caversham


Caversham is an affluent suburb of Reading Borough in Berkshire, on the north bank of the River Thames. Attractions include Caversham Court, Caversham Lakes, Christchurch Meadows and the lovely Mapledurham House, a medieval country house which boasts a working 15th century watermill.


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 

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.
Top Mortgage Lenders 

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.
RG4 7HJ

Property Price Stats for Caversham


Average property price in Caversham £405,496
% Change compared to last year 15%
Population of Caversham 23,885 (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 Caversham

  • 131 Kidmore Road, Caversham, Reading RG4 7NH
  • 14 Kingsway, Caversham, Reading, RG4 6RA
  • 10 Dovesdale Close, Caversham Heights, Reading, Berkshire, RG4 7AL
  • 3 Rotherfield Way, Caversham, Reading, Berkshire, RG4 8PJ
  • 271 Gosbrook Road, Caversham, Reading, Berkshire, RG4 8DX

Local High Street Banks in Caversham

Find a mortgage lender near you:
Some branches may have closed down - Call 0118 324 0432 for a Mortgage Broker covering Caversham

  • Natwest Bank Plc - 7 Bridge St, Reading RG4 8AE
  • Nationwide Building Society - 14 Church St, Reading RG4 8AR
  • HSBC Bank Plc - 26 Broad St, Reading RG1 2BU

Book a Free Mortgage Broker Consultation
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Mortgage Broker Tips for the Conveyancing Process

Communicating using the fastest and most efficient methods can really speed up conveyancing in Caversham.

The last thing you want is to be ready for exchange but still be waiting on outstanding documents. To avoid unnecessary delays, if you have a question for your solicitor, the quickest thing to do is pick up the phone. Emailing with scanned attachments can be faster than posting documents.

If you do need to send any documents, make sure you use recorded delivery. This will avoid the horrible situation that the documents are lost in the post and you have to wait for replacements.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels