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Our Mortgage Broker Guide to getting a mortgage in Ashford

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 Ashford Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't miss payments or make them late

Because late and missed payments can stay on your credit file for up to 6 years, you really want to ensure you make all your payments on time.

If you are late making a payment because of circumstances beyond your control, it's worth getting in touch with your credit provider to see if you can get any black mark removed from your file.

Variable Rate Mortgage

All mortgages are either of this type or are fixed rate. With a variable rate mortgage, which can be termed adjustable rate mortgages (ARM) and tracker mortgages, what you have to repay each month can change because the lender can opt to change the mortgage interest rate, either because of a change in the Bank of England base rate or because it wishes to do so autonomously.

A rate fall means your repayments become cheaper but the converse is also true. You should always ensure that you have sufficient reserves to withstand a rate rise. Fixed rates are always fixed for an agreed term, however variable rates can also be for a fixed term, depending on their type. Any fixed term, for either type of product, invariably means that you should be wary of leaving before the fixed term – there may be very large early repayment charges.


Ashford in Surrey (formerly in Middlesex) is around 13 miles south west of London and boasts a large variety of relatively modern housing. Many diversions are located nearby, such as Windsor Castle, Thorpe Park and the racecourses of Kempton Park and Sandown Park. Spelthorne Museum in the local library building in Elmsleigh Road focuses on local history and in one part of it you can see a Victorian kitchen, an 18th century parish fire engine and a reconstruction of a Roman shop.

TW15 2TW

Property Price Stats for Ashford


Average property price in Ashford £232,484
% Change compared to last year 10%
Population of Ashford 58,936 (2001)


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 Ashford - Recently Completed

  • Chertsey Rd, Ashford, Middx, TW15 1SP
  • 15 Rosa Avenue, Ashford, Middlesex, TW15 2ES
  • 33 Alexandra Road, Ashford, Middlesex, TW15 1TW
  • 52 Glenfield Road, Ashford, Middlesex, TW15 1JF
  • 27 Glenfield Road, Ashford, Middlesex, TW15 1JJ

Local High Street Banks in Ashford

Mortgage Broker in and around Ashford

Our Ashford mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Feltham, Staines, Sunbury on Thames, Egham, Upper Halliford, Haddenham and Stanwell.

Which banks are local to you?


  • Barclays Bank Plc - 39 Church Rd, Ashford TW15 2QF
  • Natwest Bank Plc - 5 Woodthorpe Rd, Ashford TW15 2RN
  • Santander Bank Plc - 30 Church Rd, Shepperton, Ashford TW15 2UY

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Ashford Mortgage Broker Insider Tips

If a family member or friend is providing you with any of the finance towards your home purchase in Ashford, 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.

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