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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 Grays


Grays, also known as Grays Thurrock, is the largest town in Thurrock Borough in Essex and is located 20 miles east of London's centre, on the north bank of the River Thames. The area is a mix of industrial, residential, retail and office blocks. It has a museum (Thurrock Museum, specialised on the locale with more than 1,500 objects spanning 250,000 years) and a theatre, (Thameside Theatre, in Orsett Road, which hosts a plethora of presentations and works for all ages and tastes) along with myriad shopping diversions, such as Intu Lakeside and Grays Shopping Centre.

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 

Hold off applying for credit until old issues have expired

Bankruptcy and county court judgments stay on your file for six years and data about applications for a year.

It's therefore worth leaving applications until problems such as these have been removed from your file to boost your chances of success.
Top Mortgage Lenders 

Discount Mortgage

Discount mortgages are another variant of variable mortgages but the discount is linked to the lender's standard variable rate (SVR) as opposed to the Bank of England's base rate. One of the risks involved is that the lender, if stated within its terms & conditions, can reserve the right to increase its rate independently of any movement – or non-movement – of the Bank of England base rate.

The discount normally applies during a fixed, agreed term and all mortgages that have a fixed term normally require a mortgagor to pay a large early repayment charge if they opt to leave early.
RM16 4QR

Property Price Stats for Grays


Average property price in Grays £235,320
% Change compared to last year 11%
Population of Grays 36,301 (2001)


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 Grays

  • 8 Orchard Drive, Grays, Essex, RM17 5AF
  • 58 Ward Avenue, Grays, RM17 5RW
  • 58 Ward Avenue, Grays, RM17 5RW
  • Defoe Parade, Grays RM16 4QR
  • Blackshots Lane, Grays RM16 2LD

Local High Street Banks in Grays

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

  • Lloyds Bank Plc - 34 High St, Grays RM17 6LX
  • Barclays Bank Plc - 9 High St, Grays RM17 6NB
  • Natwest Bank Plc - 17 High St, Grays RM17 6NP

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Mortgage Broker Tips for the Conveyancing Process

If a family member or friend is providing you with any of the finance towards your home purchase in Grays, make sure your solicitor has all the information in good time.

If there is a loan or a gift, your solicitor may need proof of funds, relevant documentation and a proof of ID. If they do not have this, you may find yourself ready to exchange but not able to go ahead. Furthermore, your mortgage lender may not be happy to lend where there is an unregistered interest (i.e. the financial interest of your relative or friend) over the property. 

They will want to know if this is going to be a gift or a second registered charge. As you can see this is prone to getting complicated and can affect whether or not you decide to proceed. If you can get everything underway and sorted out as soon as possible, you will be in a better position to make an informed decision from the outset.

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