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

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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

If your home purchase in Charlton is being financed with the help of family and friends, making sure your solicitor has all of the information in good time can speed up the conveyancing process.

Your solicitor will need proof of funds, ID and relevant documentation where there is a loan or a gift. Without these documents, you may not be able to exchange until your solicitor has them in his hands.

Even then, a mortgage lender may be unwilling to lend where there is an unregistered interest, i.e. the financial interest of this third party, over the property.

As things can get so complicated, it is important to get things sorted out from the outset so your solicitor can get working on it as soon as possible.

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