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Our Mortgage Broker Guide to getting a mortgage in Barkingside

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 Barkingside Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Taken out a student loan? Ensure you make timely repayments

Student loans are treated like any other loan by the 3 credit reference agencies: you should therefore ensure that make the correct repayments on time.

Your credit score will be hit, like any other loan, if you default on repayments or are late. If you think you are unlikely to be able to make a payment on time, you should contact the student loan company involved.

Discount Mortgage

Lenders have a standard variable rate (SVR) for mortgages which is normally a few percentage points above the Bank of England's (BoE) base rate. This rate will vary with changes in the BoE base rate and the lender can vary it autonomously. When you get a discount mortgage from a lender, the variable interest rate charged on your mortgage will be at a discount from its SVR.

You benefit because the discount rate is cheaper than the SVR and if the SVR itself goes down, your repayments become even less, although the discounted rate can similarly rise.

The discount rate is normally for a fixed time period, typically 2 or 3 years. There may well be expensive early repayment charges if you choose to leave.


Barkingside is part of Ilford in north east London and is within Redbridge Borough, around 11 miles east north-east of the capital's centre. The district is chiefly known for its association with Barnardo's children's charity; the headquarters is still there. Landmarks include the Barnardo's chapel, the Edwardian tube station and the Holy Trinity Church.

IG6 1FJ

Property Price Stats for Barkingside


Average property price in Barkingside £384,173
% Change compared to last year 14%
Population of Barkingside 12,609 (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 Barkingside - Recently Completed

  • Thomas Court, New Mossford Way, Barkingside, Ilford, IG6 1FJ
  • 18 Carlton Court, Craven Gardens, Barkingside, Essex IG6 1LT
  • 39 Sandringham Gardens, Barkingside, Ilford, Essex, IG6 1NT
  • 6 Tower Close, Hainault, Ilford, Essex, IG6 2RT
  • 81 Marlands Road, Ilford, Essex, IG5 0JJ

Local High Street Banks in Barkingside

Mortgage Broker in and around Barkingside

Our Barkingside mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Little Heath, Clayhall, Fulwell Cross, Newbury Park, Hainault, Bramley and Fairlop.

Which banks are local to you?


  • TSB - 76 High St, Ilford IG6 2DW
  • Santander - 99 High St, Ilford IG6 2AH
  • Natwest - 133 High St, Ilford IG6 2AJ

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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Mortgage Brokers Barkingside offering free first consultation (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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Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

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Barkingside Mortgage Broker Insider Tips

Selling? 'No chain' means less chances for delays..

If an estate agent tells you that, regarding a potential buyer, there is 'no chain', it means that that buyer doesn't have to sell another property in order to buy yours.

The more 'links' there are in a chain, inevitably there are more chances for delays as there are more people who have to coordinate any purchase with a balancing sale.

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*Fixed Fee – No Sale No Fee – On all Major Lender Panels
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