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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 Shirley


Shirley is a predominantly residential area of south east London, very close to Croydon and around 10 miles south south-east of the capital's centre. It has many very agreeable green spaces within easy reach.

Attractions include the Shirley Windmill and Shirley Park, which has features such as a children's play area, a skateboard area, outdoor gym equipment and an area for playing basketball and football.

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 

Avoid payday loans if at all possible

Payday loans are short term loans with much higher APRs than would be applied to a regular bank loan – the charge for borrowing the money is very expensive. Taking up a payday loan can cause a mortgage application to be rejected automatically.

Mortgage underwriters often reject applicants who have taken up payday loans because they see this as evidence of poor money management.
Top Mortgage Lenders 

Tracker Mortgage

Tracker mortgages are a type of variable rate mortgage; their interest rate tracks another rate which is predominantly the Bank of England base rate.,/div>

These types of mortgage are best to opt for if you understand the potential risks involved. Any variable rate mortgage can see repayments going up as well as down meaning that while there is a potential to gain from falling payments, there is also clearly the potential to lose and you should ensure that your finances are flexible enough to accommodate a rate rise.
CR0 8PX

Property Price Stats for Shirley


Average property price in Shirley £385,067
% Change compared to last year 5%
Population of Shirley 14,296 (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 Shirley

  • 6 Girton Gardens, Shirley, Croydon, CR0 8PX
  • 41 Shirley Way, Shirley, Croydon, CR0 8PJ
  • 12 Mill View Gardens, Shirley, Croydon, CR0 5HW
  • 27 Addisons Close, Shirley CR0 8DX
  • 28 West Way, Shirley, Croydon, CR0 8RB

Local High Street Banks in Shirley

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

  • Barclays - 341 Lower Addiscombe Rd, Addiscombe, Croydon CR0 6RG
  • Natwest - 209-213 Lower Addiscombe Rd, Croydon CR0 6RB
  • Barclays - 47 High St, West Wickham BR4 0NP

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

If a family member or friend is providing you with any of the finance towards your home purchase in Shirley, make sure your solicitor has all the information in good time.

If there is a loan or a gift, your solicitor may need proof of funds, relevant documentation and a proof of ID. If they do not have this, you may find yourself ready to exchange but not able to go ahead. Furthermore, your mortgage lender may not be happy to lend where there is an unregistered interest (i.e. the financial interest of your relative or friend) over the property. 

They will want to know if this is going to be a gift or a second registered charge. As you can see this is prone to getting complicated and can affect whether or not you decide to proceed. If you can get everything underway and sorted out as soon as possible, you will be in a better position to make an informed decision from the outset.

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