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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 Lightwater


Lightwater is a village which lies in the district of Surrey Heath within Surrey County. It has many housing estates, full medical facilities, a range of shops and pubs. It also has Lightwater Country Park, great for fishing and with a kids play area. Nearby attractions include Chessington World of Adventures and Hampton Court Palace.

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 

Only apply for credit which you are likely to be granted

You should be realistic about applying for credit in terms of whether you are likely to be successful in applying for it. The best preparation is to find out what your recent credit score is and to check your recent credit report.

Every time you fail in an application for credit, it negatively impacts your credit score – it's worth waiting 3 months after a failed application before you apply for credit again.
Top Mortgage Lenders 

Fixed Rate Mortgage

Your repayments for a fixed rate mortgage are calculated according to an agreed interest rate charged on your loan and the terms operate for an agreed fixed period.

People take up this kind of mortgage because it means the repayment you make is the same each month for the period of the fix, which offers security and peace of mind in an uncertain world. If the Bank of England were suddenly to raise its rates, you would gain by not having to increase your repayment sums, for example.

The interest rate may be more expensive, however, than a variable rate offered at the start of the fixed period. Additionally, if you wish to leave the arrangement, you normally have to pay a very large early repayment charge to your lender. However, when you come to the end of the fixed period, you can then set up another fixed term – you could approach another lender offering a more competitive rate for this – or you can opt to stay on the lender's standard variable rate (SVR) where payments can move up and down but you can change out of this at any time without penalty.
GU18 5RP

Property Price Stats for Lightwater


Average property price in Lightwater £452,858
% Change compared to last year 10%
Population of Lightwater 6,691


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 Lightwater

  • 3 The Close, Lightwater, Surrey GU18 5RH
  • 12 Miles Place, Lightwater, Surrey, GU18 5LD
  • 17 Keswick Drive, Lightwater, Surrey, GU18 5XD
  • 17 Gardenia Drive, West End, Surrey, GU24 9XG
  • 19 Willow Bank, Woking, Surrey GU22 9PD

Local High Street Banks in Lightwater

Find a mortgage lender near you:
Some branches may have closed down - Call 01344 567 887 for a Mortgage Broker covering Lightwater

  • Lloyds Bank Plc - 7 Broadway, Knaphill, Woking GU21 2DR
  • Natwest Bank Plc - 15 Frimley High St, Frimley, Camberley GU16 7HW
  • Barclays Bank Plc - 19, High St, Ascot SL5 7JG

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Mortgage Broker Tips for the Conveyancing Process

Selling? 'No chain' means less chances for delays..

If an estate agent tells you that, regarding a potential buyer, there is 'no chain', it means that that buyer doesn't have to sell another property in order to buy yours.

The more 'links' there are in a chain, inevitably there are more chances for delays as there are more people who have to coordinate any purchase with a balancing sale.

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