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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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How to get a mortgage - or remortgage - in Ongar


Ongar, or Chipping Ongar, is a pleasant village in Essex County, around 21 miles north east of Central London, in Brentwood Borough. Landmarks include Ongar Castle, reputedly constructed in 1155 and Greenstead Church, built in 1645, the oldest wooden church in the world.

The A414 runs through the town and the closest National Rail service is in Brentwood, around 7 miles away, on the overground line connecting London Liverpool Street and Shenfield. The nearest tube station is in Epping, on the Central Line, around 5 miles away. There are many local buses available.

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 

Check your credit file after receiving any rejection for a credit application

If you don't find out why you've been rejected by checking your credit file and make further applications, each application worsens your credit score in turn.

If you discover an error, you might be able to get successive searches wiped but you'll have to negotiate with the relevant agency and lenders and success isn't guaranteed.
Top Mortgage Lenders 

Tracker Mortgage

Tracker mortgages are in the wider class of variable rate mortgages and normally, the rate is a few percentage points above the prevailing Bank of England base rate. There is often a fixed term during which the arrangement operates, which is something in common with fixed rate mortgages.

The fixed term carries with it an early repayment charge if you choose to leave before it is ended. The interest charged at the outset is normally cheaper than for a fixed rate mortgage, however you are taking the risk that the rate might rise sharply, increasing the cost of your repayments in the same way. They therefore might not be attuned to buyers who have limited finances who cannot accommodate a sudden rate rise.

When a tracker mortgage has a lifetime – or length of the mortgage – term, there won't be an early repayment charge for leaving, but the risk of rates rising and making repayments very expensive remains.
CM5 0GA

Property Price Stats for Ongar


Average property price in Ongar £344,844
% Change compared to last year 0%
Population of Ongar 6,069 (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 Ongar

  • 3 The Gables, Ongar, Essex CM5 0GA
  • 103 High St, Ongar, Essex CM5 9DX
  • 42 The St, Ongar CM5 9NE
  • 37a Amesbury Close, Epping, CM16 4JA
  • 4 Hobbs Cross Cottages, Theydon Garnon, Epping CM16 7NY

Local High Street Banks in Ongar

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

  • Barclays - 186 High St, Chipping Ongar, Ongar CM5 9JL
  • Lloyds - 154 High St, Epping CM16 4AQ
  • Natwest - 279 High St, Epping CM16 4BT

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Mortgage Broker Tips for the Conveyancing Process

Buyer? If you have specific enquiries you wish to ask the seller, get these over as quickly as possible through your solicitor.

Many enquiries are easy to answer but others will require the seller to produce specific documentation which they may have to obtain from third parties.

The sooner you get your own enquiries to the seller through your solicitor, the less opportunity there is for delays.

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