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How to get a mortgage - or remortgage - in Charlton


Charlton is an area of south east London in Greenwich Borough, around 7 miles east south-east of the capital's centre. Landmarks and attractions include Charlton House, an excellently preserved Jacobean building and The Valley, the ground of Charlton Athletic Football Club.

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 

Keep your paperwork up to date

You should ensure that all your debts are registered to your current name and address

Old addresses and names can cause all sort of problems when you apply for credit because of difficulties when it comes to establishing your true and current ID and address. Your application might be refused and this in turn will lower your credit score.
Top Mortgage Lenders 

95% mortgage

A 95% mortgage describes a type of mortgage where the lender provides a 95% loan to value (LTV) mortgage i.e. 95% of the purchase price.

You would seek one of these if you wished to buy a particular property but were unable to amass the standard deposit of 10% of the asking price. You are borrowing more than normal, so you are taking on more debt and interest rates levied will be generally higher; you also have to think about negative equity, which you will be in if house prices fall just 6%.

Mortgages of up to 95% were a feature of the now defunct Help to Buy Mortgage Guarantee Scheme.
SE7 7FN

Property Price Stats for Charlton


Average property price in Charlton £411,799
% Change compared to last year 28%
Population of Charlton 14,385 (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 Charlton

  • 92 Victoria Road, Charlton SE7 7FN
  • 66 Wyndcliff Road, Charlton, London, SE7 7JY
  • 41 Rathmore Road, Charlton, London, SE7 7QP
  • 34 Charlton Church Ln, London SE7 7AF
  • 12 Troughton Road, Charlton, London, SE7 7QH

Local High Street Banks in Charlton

Find a mortgage lender near you:
Some branches may have closed down - Call 0207 112 5388 for a Mortgage Broker covering Charlton

  • Barclays - 43A Vanbrugh Park, London SE3 7AB
  • HSBC - 15 Wellington St, Woolwich, London SE18 6PH
  • Natwest - 13 Old Dover Rd, London SE3 7SY

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Mortgage Broker Tips for the Conveyancing Process

Book your mortgage valuation as soon as you've had your offer accepted

If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle but then, once you've had an offer accepted, your mortgage lender has to value the property and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.

You can therefore minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down. 

Additionally, if there's any issues, like your lender undervaluing your property or making you a conditional offer, there might be further delays.

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