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

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Includes online checklists, videos, downloads and tips - plus it is free to use and remembers your progress.

 
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Whole Market Access

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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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

How to get a mortgage - or remortgage - in Congleton


Congleton is a quaint town situated 26 miles south of Manchester. It is home to Little Moreton Hall, a famously wonky building built in the 1500s. There are many gardens and parks including Astbury Mere Country Park and Biddulph Grange Gardens.


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 

Late bill payments can reduce your credit score!

If you are lax about paying bills and often pay them late, this can affect your credit score. Paying your bills on time means a higher credit score and lenders are more likely to trust you.

Contributing to household bills without having your name on the bill itself means you won't get that credit score increase. However if the bills are payed form your account, under your name, it will affect your credit score.
Top Mortgage Lenders 

Help to Buy Mortgage

With the Help to Buy scheme, the deposit you need to put down is lower than with a standard mortgage and therefore more affordable. This is because the government lends you up to 20% of the total price and the final 75% is a Help to Buy mortgage.

Help to Buy Mortgages are different to standard mortgages. You need an Authority to Proceed from the help to buy agent before you can get a mortgage in principle.

Click here to find out more about an Help to Buy Mortgage - Authority to Proceed.
CW12 1AD

Property Price Stats for Congleton


Average property price in Congleton £222,180
% Change compared to last year 9%
Population of Congleton 26,482 (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 Congleton

  • Charter House, Wagg Street, Congleton, Cheshire, CW12 4BA
  • Edinburgh Road, Congleton, CW12 3EZ
  • Mill St, Congleton CW12 1AD
  • Biddulph Rd, Congleton CW12 3LG
  • Park Lane, Congleton, Cheshire CW12 3DE

Local High Street Banks in Congleton

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

  • TSB Bank - High St, Congleton CW12 1BN
  • Barclays Bank - High St, Congleton CW12 1BQ
  • HSBC - High St, Congleton CW12 1BJ

Book a Free Mortgage Broker Consultation
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Appointments available today
Get a mortgage quote tailored to your own requirements
Best first time buyer mortgage brokers

Mortgage Broker Tips for the Conveyancing Process

Book your mortgage valuation as soon as you've had your offer accepted

If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle but then, once you've had an offer accepted, your mortgage lender has to value the property and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.

You can therefore minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down. 

Additionally, if there's any issues, like your lender undervaluing your property or making you a conditional offer, there might be further delays.

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*Access to whole of the market – 100% Impartial advice – No need for face-to-face meeting