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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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How to get a mortgage - or remortgage - in Virginia Water


Virginia Water is a highly affluent town just outside the London urban area takes its name from the outstandingly beautiful lake in Windsor Great Park, which is its main feature. The town's location means attractions like Windsor Castle, Thorpe Park and Ascot and within easy reach and there are a number of excellent independent boutiques and restaurants here also. The town was the first postcode area outside London to achieve the distinction of the average price of a property being greater than £1 million.

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 

Be wary of your financial ties with other people

If you're looking to open a joint credit agreement, such as a loan or mortgage, with someone else, their credit rating can affect yours, because your credit file will be linked to theirs.

Make sure you terminate financial links with ex-partners by shutting down any joint accounts and contacting relevant credit reference agencies to ask for a 'notice of disassociation' to stop your credit files being linked.
Top Mortgage Lenders 

Flexible Mortgage

Flexible mortgages are called as such because they offer you flexibility with such matters as overpaying and underpaying, taking payment holidays, making lump sum withdrawals and paying off mortgages early.

You may not have to get a particular mortgage product for it to be flexible in this way (variable rate mortgages, for example, most often allow you to leave without having to make a hefty early repayment charge) but you should be aware that you're likely to be paying extra for the flexibility offered via your rate so you should ensure that you are going to use the features you'll be paying out for.
GU25 4AF

Property Price Stats for Virginia Water


Average property price in Virginia Water £1,092,576
% Change compared to last year - 5%
Population of Virginia Water 6,000


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 Virginia Water

  • Oaktree House, Oaktree Close, Virginia Water, Surrey, GU25 4JG
  • Virginia Court, Virginia Water, Surrey, GU25 4AF
  • Faith Cottage, Wells Lane, Ascot, SL5 7DY
  • 17 Porchester, Ascot, SL5 9DY
  • 3 Drummond Court, 179-171 New Road, Ascot, Berkshire, SL5 8PU

Local High Street Banks in Virginia Water

Find a mortgage lender near you:
Some branches may have closed down - Call 01344 567 887 for a Mortgage Broker covering Virginia Water

  • Barclays Bank Plc - 46 High St, Egham TW20 9EP
  • Lloyds Bank Plc - 73-75 High St, Staines TW18 4PP
  • Nationwide Building Society - 47 High St, Egham TW20 9EW

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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 Virginia Water, 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