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How to get a mortgage - or remortgage - in Clacton on Sea


Clacton on Sea is the largest town in Tendring Borough in Essex and is principally known as a seaside resort. It also has two business/industrial parks.

Clacton Pier is a perennial favourite with its leisure and amusement facilities and Westcliff Theatre in Tower Road hosts a variety of performances, ranging from those for kids & family to drama, live music and talks.

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 

Consolidate your credit card debt

If you've run up large balances owed over many credit cards, consolidating the debt into a single card or loan with a lower interest rate and/or fees will mean you pay out less and the debt will be easier to manage and pay down.
Top Mortgage Lenders 

Offset Mortgage

These can themselves be fixed or variable rate mortgages but always involve the mortgagor (or associate of a mortgagor) having a linked savings account. They work by interest which accrues on the savings account being offset against the interest charged on the mortgage.

The theory is that you'll pay off your mortgage more quickly because of the boost offered by your savings interest. However you cannot then use your savings interest as income and offset mortgages most often don't give you access to discounted rate deals.
CO15 1NP

Property Price Stats for Clacton on Sea


Average property price in Clacton on Sea £168,367
% Change compared to last year 4%
Population of Clacton on Sea 55,000


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 Clacton on Sea

  • 81 Crown Road, Clacton On Sea, Essex, CO15 1AU
  • 22 Alton Park Road, Clacton-on-Sea, Essex, CO15 1ED
  • 22 Alton Park Road, Clacton-on-Sea, Essex, CO15 1ED
  • 80 Spenser Way, Jaywick, Clacton on Sea, Essex, CO15 2QU
  • 2 Nansen Road, Holland on Sea, Essex, CO15 5ED

Local High Street Banks in Clacton on Sea

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

  • Barclays Bank Plc - 27 Station Rd, Clacton-on-Sea CO15 1TD
  • Lloyds Bank Plc - 1 West Ave, Clacton-on-Sea CO15 1QP
  • HSBC Bank Plc - 47 Station Rd, Clacton-on-Sea CO15 1RR

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Mortgage Broker Tips for the Conveyancing Process

If your home purchase in Clacton on Sea is being financed with the help of family and friends, making sure your solicitor has all of the information in good time can speed up the conveyancing process.

Your solicitor will need proof of funds, ID and relevant documentation where there is a loan or a gift. Without these documents, you may not be able to exchange until your solicitor has them in his hands.

Even then, a mortgage lender may be unwilling to lend where there is an unregistered interest, i.e. the financial interest of this third party, over the property.

As things can get so complicated, it is important to get things sorted out from the outset so your solicitor can get working on it as soon as possible.

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