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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 Orpington


Orpington is a town in south east London, in Bromley Borough and is on the edge of Greater London's boundary with Kent. It is around 13 miles south east of the capital's centre.

Nearby Downe House, where Charles Darwin wrote his hugely important work 'The Origin of Species', is well worth a visit, is well-preserved and is very educational. You can also do paintballing at Delta Force Paintball in Coneyearth Woods. Not for those of a delicate disposition!

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 

Don't just pay the minimum repayment on your credit card

While you should always pay at least the minimum monthly repayment on your credit card and on time, it's very worth paying more than this and doing so will boost your credit score.

Lenders view paying off more than the monthly required minimum sum as evidence of good financial management and inform credit reference agencies accordingly.
Top Mortgage Lenders 

Capped Mortgage

Capped mortgages are variable rate mortgages and the cap comes into play if the rate rises and ensures that repayments cannot rise beyond a certain amount. If the rate falls, then repayments become less.

If you are thinking of taking up a capped mortgage, you need to be sure that you are able to make payments should the rate rise to and stay at the level of the cap: if the cap is set too high, problems can occur as payments become too expensive to accommodate.

Capped mortgages are normally capped for an agreed fixed term and if this is the case you can only leave if you pay a large early repayment charge. Once the fixed term has elapsed, the mortgage is normally converted to one which is variable with the lender's standard variable rate. From this point, there are no penalties for choosing to take up a mortgage of another type.
BR6 0PJ

Property Price Stats for Orpington


Average property price in Orpington £449,922
% Change compared to last year 11%
Population of Orpington 15,311 (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 Orpington

  • 32a Gladstone Road, Orpington, Kent, BR6 7DZ
  • Garden House, Rookery Road, Orpington, Kent, BR6 7JQ
  • 22 Tubbenden Lane, Orpington, Kent, BR6 9PN
  • 16 Newstead Avenue, Orpington, Kent, BR6 9RL
  • 18 Glentrammon Road, Green Street Green, Orpington, Kent, BR6 6DE

Local High Street Banks in Orpington

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

  • Lloyds Bank Plc - 177-179 High St, Orpington BR6 0LJ
  • Barclays Bank Plc - 229 High St, Orpington BR6 0JU
  • HSBC Bank Plc - 249 High St, Orpington BR6 0NR

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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 are using a mortgage to purchase your home in Orpington and want to get completed quickly, your mortgage lender should be able to advise you on whether or not this is possible. This could influence your mortgage lender and the mortgage product itself.
  • Taking a mortgage out can be a protracted process, especially since the Mortgage Market Review introduced greater restrictions, so it is important to get your valuation completed as soon as you can. 
  • This can be ordered via your bank or mortgage adviser and it can take around 2 weeks to receive the valuation. 
  • Please note the mortgage valuation and a building survey are two different things.

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