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Our Mortgage Broker Guide to getting a mortgage in Altrincham

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Altrincham Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Get a full statutory credit report for £2, at most, or even get one for free

Under UK law, you have the legal right to see a copy of your credit report for £2 and can request it from any credit reference agency which holds information on you. However, each of the 3 main credit reference agencies offers ways to get a free report – check the relevant websites to find out more.

The report will give you the most up-to-date information available and will be relevant to any plan of action you wish to take to improve your credit score.

Capped Mortgage

Capped mortgages give security to a mortgagor in that mortgage repayments cannot rise above a certain rate. They are a type of variable rate mortgage and although they cannot vary upwards (in repayment costs) beyond a certain point, payments are allowed to fall when the index itself falls.

Mortgagors can therefore benefit from the surety that they won't have to pay out more than a certain agreed monthly sum but also from any fall in the underlying index (such as the Bank of England base rate).


Altrincham, a town in Greater Manchester to its south, came to prominence as a market town in 1290 and it received large boosts when the Bridgewater Canal was extended to it in 1765 and the railway arrived in 1849.

It's now largely a commuter town because of its excellent communications and is regarded as a middle-class area, according to many commentators. Attractions include the Old Market Place, now a registered conservation area (there are ten of these in the town). Royd House is regarded as one of the most advanced examples of 20th-century domestic architecture and has been a Grade I listed building since 1975.

Altrincham's Goose Green music festival takes place annually in August. There are two theatres – the Altrincham Garrick Playhouse and the Club Theatre/Altrincham Little Theatre.

WA14 1SF

Property Price Stats for Altrincham


Average property price in Altrincham £481,464
% Change compared to last year 10%
Population of Altrincham 52,419 (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

Mortgage Broker Altrincham - Recently Completed

  • Hartford Road, Altrincham, M33 4LE
  • Earlesfield Close, Altrincham M33 4UR
  • 20 Fraser Avenue, Altrincham, M33 2TF
  • Oldfield Grove, Altrincham M33 2AE
  • St. Ives Crescent, Altrincham M33 3RU

Local High Street Banks in Altrincham

Mortgage Broker in and around Altrincham

Our Altrincham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Sale, Timperley, Hale Barns, Ashley, Little Bollington, Dunham Massey and Partington.

Which banks are local to you?


  • HSBC Bank Plc - 11 Stamford New Rd, Altrincham WA14 1BW
  • NatWest Bank plc - 23 Stamford New Rd, Altrincham WA14 1DB
  • Lloyds Bank Plc - 76 Stamford New Rd, Altrincham WA14 1BS

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Altrincham Mortgage Broker Insider Tips

If your home purchase in Altrincham 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.

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