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How to get a mortgage - or remortgage - in Cheam


Cheam is a large suburban village in Sutton Borough in London, around 11 miles south south-west of the capital's centre on Surrey's borders, divided into North Cheam and Cheam Village. These two parts are centred on shopping areas. Attractions include Lumley Chapel, Whitehall Gallery and Nonsuch Mansion. Parts of Cheam are in a conservation area.

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 

Work to keep your credit score as high as possible to make borrowing cheaper

Keeping aware of your credit score and taking action to keep it as high as possible essentially makes any credit you are granted likely to be cheaper.

If your credit score drops, you'll most likely have to pay higher APRs on future credit or you may be rejected after applying, which has a further negative impact on your credit score.
Top Mortgage Lenders 

Variable Rate Mortgage

This is one of the two broad categories all mortgages fall into, the other being fixed rate.

You can never guarantee when and if the interest rate charged on a variable rate mortgage will change nor by how much making this type of mortgage more risky in terms of suddenly rising repayments. You may, however, benefit similarly from a fall in rates and the initial rate you pay is likely to be cheaper than it would be for a fixed rate mortgage.
It might therefore be argued that you should only opt for a variable rate mortgage by choice if you don't mind the risks involved and, in an emergency, can accommodate an upswing in interest rates.
SM2 7LW

Property Price Stats for Cheam


Average property price in Cheam £460,364
% Change compared to last year 12%
Population of Cheam 10,285 (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 Cheam

  • 47 Abinger Avenue, Cheam, Sutton, Surrey, SM2 7LW
  • 63 West Drive, Cheam, SM2 7NB
  • 30 Swift Court, Westmoreland Drive, Cheam, SM2 6AX
  • 27 Tilehurst Road, Cheam, Surrey, SM3 8PD
  • 29 Kingswood Drive, Sutton, SM2 5NB

Local High Street Banks in Cheam

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

  • Santander - 8 The Broadway, Sutton SM3 8AY
  • Barclays - 39 High St, Sutton SM1 1DR
  • Metro Bank - 83-87 High St, Sutton SM1 1JF

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

One thing you can do for fast conveyancing in Cheam is to opt for Monday as your completion date, when you get your keys and move into your new place.

Understandably, Fridays are the most popular days for completions - people then have the whole weekend to make their new place as shipshape as possible before going back to work on Monday. The trouble is, there's a fair chance that your conveyancing solicitor may well have other completions to do on Fridays and will be very busy already.

Therefore if you decide to opt for a Monday for completion - or indeed, just not a Friday! - your solicitor is more likely to be less busy and therefore more able to 'pull out all the stops' to help you to complete quickly, making sure all the transfers are carried out and so on.

So for a fast conveyancing move think about completing Monday to Thursday!

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