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Your home may be repossessed if you do not keep up repayments on your mortgage.

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Includes online checklists, videos, downloads and tips - plus it is free to use and remembers your progress.

 
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Whole Market Access

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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FREE mortgage consultations &
Exclusive mortgage rates

Our mortgage consultants can access exclusive mortgage lending rates which are not available to you when applying direct (terms apply).

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Fast mortgage appointments

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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Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

How to get a mortgage - or remortgage - in Penzance


Penzance is the most westerly major town in Cornwall. Penzance is a historic port on the south facing shores of Mount’s Bay and has one of the mildest climates in the UK. Within the town there is a variety of places to visit including St Michael’s Mount, Morrab Gardens and The Exchange Gallery.

Penzance offers harbour boat trips, sea safaris and fishing excursions which provides some great seaborne activities.

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 

Destroy unused credit and store cards

If you have access to too much available credit, even if you don't use it, this can ruin your credit score. The easiest solution is to cancel cards you don't need. You should never 'max out' a single credit or store card, though, so you should take a reasonable approach to this.

Bank accounts, on the other hand, which are long standing and have good credit histories, can benefit your credit score, so are normally best left open.
Top Mortgage Lenders 

Cashback Mortgage

A lender gives you money back, normally a percentage of the loan, when you take out this type of mortgage, the idea being that you benefit from a lump sum which is helpful when you're moving home.

In many ways, this type of mortgage is purely a marketing incentive: before taking this type of mortgage out, you should carefully check the interest rate you will be charged and if you'll have to pay any additional fees to see if you're actually benefiting enough from the incentive.
TR18 2PG

Property Price Stats for Penzance


Average property price in Penzance £216,126
% Change compared to last year 0%
Population of Penzance 21,200 (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 Penzance

  • Treen, St. Levan, Penzance TR19 6LG
  • St James' St, Penzance TR18 2BT
  • Princes Street, Penzance TR18 2NL
  • N Parade, Penzance TR18 4SH
  • Morrab Rd, Penzance TR18 4EZ

Local High Street Banks in Penzance

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

  • HSBC - 1 Green Market, Cornwall, Penzance TR18 2SD
  • Lloyds - Market House, 38-39 Market Pl, Penzance TR18 2TN
  • Barclays 8-9 Market Jew Street, Penzance TR18 2TW

Book a Free Mortgage Broker Consultation
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Mortgage Broker Tips for the Conveyancing Process

Buying a home? Consider instructing a solicitor before anything else!

When you're looking to buy a home, it's a given that you'll be using a conveyancing solicitor (unless you're willing to risk a vast sum of money without the benefit of legal protection and expertise!).

Because the solicitor has to set up a file for you and you have to fill out forms and prove your ID/source of funds etc., the sooner you can do this, the more time you can save.

You do not have to have even picked out a property and made an offer at this stage! Ideally, you'll have applied for a mortgage and received a mortgage in principle, so you'll be in a position to look for houses within your budget range.

Matters like booking your mortgage valuation, booking a survey and getting searches can only occur once you've had an offer accepted, however instructing a solicitor is not dependent on this.

One advantage of this approach is that when it comes to putting in offers to vendors, telling them that you've already instructed your solicitor shows them that you're 'ready to go' and likely to be on the ball regarding the progress of any sale and a faster completion.

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