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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 Effingham


Effingham is a large village in Guildford Borough in Surrey. It is semi-rural in aspect. It contains many architecturally renowned buildings, for example the Red House, built by Sir Edwin Lutyens in 1893. Attractions nearby include Norbury Park Sawmill in Mickleham, for those who like wood chopping, and Garden Wisley in Wisley Lane, which is the Royal Horticultural Society's foremost garden.

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 

Defaults, Bankruptcy Orders and County Court Judgments (CCJs)

These do affect your credit score negatively and can stay on your file for 6 years, but when this period has elapsed they no longer affect your score.

You are well advised to wait until the time period has elapsed because if you apply for credit and are refused, this will further lower your credit score.
Top Mortgage Lenders 

Guarantor Mortgage

Guarantor mortgages involve a third party, normally a family member or close associate, agreeing to guarantee that a mortgage applicant will make the correct, timely repayments for a mortgage loan granted.

The guarantee normally has to be backed up by the third party offering their own property as collateral or, for example, giving control of a large savings account to the lender. If the mortgagor defaults on repayments, then the lender can look to make up any shortfalls by extracting these from the third party, potentially putting the third party's home, or savings, at risk.

If the mortgagor makes the correct repayments however, the guarantor will not lose anything and will not have to pay anything over.
KT24 5LH

Property Price Stats for Effingham


Average property price in Effingham £626,713
% Change compared to last year - 6%
Population of Effingham 12,558


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 Effingham

  • 8 Ottways Lane, Ashtead, Surrey, KT21 2NZ
  • 24a Blackthorne Road, Bookham, Surrey, KT23 4BN
  • 12 Buffers Lane, Leatherhead, Surrey, KT22 7XG
  • 24a Blackthorne Road, Bookham, Surrey, KT23 4BN
  • 58 Kingston Road, Leatherhead, KT22 7BW

Local High Street Banks in Effingham

Find a mortgage lender near you:
Some branches may have closed down - Call 01483 802 485 for a Mortgage Broker covering Effingham

  • Lloyds Bank Plc - 5 Ockham Rd S, East Horsley, Leatherhead KT24 6QW
  • Natwest Bank Plc - 9 High St, Cobham KT11 3DJ
  • HSBC Bank Plc - 67 West St, Dorking RH4 1BW

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Mortgage Broker Tips for the Conveyancing Process

Let your mortgage lender know if you are needing to work to a deadline.

If you need to get moving quickly and are using a mortgage to purchase your home in Effingham, you need to speak to your mortgage lender for advice on whether this deadline is achievable. This could actually even influence your choice of mortgage lender and mortgage product itself!

It is so important to get your mortgage valuation booked in as soon as possible. It can take up to 2 weeks to receive the valuation and you do not want to be stuck in a position where you are ready to exchange but cannot proceed because you have no valuation in as yet.


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