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Our Mortgage Broker Guide to getting a mortgage in Barnes

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 Barnes Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Remove old addresses/old accounts from your file

If you have an account for, say, a mobile phone you don't use any more and it's linked to an old address, this can ruin a mortgage application due to ID checks.

You must make sure old accounts are closed or have an up-to-date address.

95% mortgage

As they sound, 95% mortgages involve a lender granting you a loan equal to 95% of the full purchase price of a home to enable you to buy it. You might look at these if you are looking to buy a property but do not have sufficient savings for a standard-sized deposit of 10% of the asking price.

The downside is that you have to take out a larger mortgage, which is likely to be more expensive in terms of interest rate levied on the loan. Additionally, house prices need only fall 6% for you to find yourself in negative equity.


Barnes is an affluent neighbourhood and suburb of Richmond upon Thames Borough in London, around 6 miles west south-west of the capital's centre and bordered by the River Thames to the north. It has many 18th and 19th century buildings. It is an area which the world famous annual varsity boatrace between Oxford and Cambridge on the River Thames passes through.

Landmarks include Bolan's Rock Shrine, which is the site of rock musician's fatal car crash, the Barnes Trail and Olympic Studios.

SW14 8PB

Property Price Stats for Barnes


Average property price in Barnes £1,394,805
% Change compared to last year 3%
Population of Barnes 10,299 (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 Barnes - Recently Completed

  • South Worple Way, Barnes, London SW14 8PB
  • 97 Howards Lane, Barnes, London SW15 6NZ
  • 30 Dryburgh Rd, London SW15 1BL
  • 250 Castelnau, London SW13 9DH
  • 411 Lonsdale Rd, London SW13 9EB

Local High Street Banks in Barnes

Mortgage Broker in and around Barnes

Our Barnes mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Putney, Roehampton, Mortlake, Richmond, Hammersmith, Chiswick and Kew.

Which banks are local to you?


  • Natwest - 149 Church Rd, Barnes, London SW13 9HS
  • TSB Bank - 9 King St, London W6 9HR
  • Santander - 36-37 King St, London W6 9HW

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Barnes Mortgage Broker Insider Tips

Book your home buyers survey as soon as you have your offer accepted.

Getting a RICS home buyers survey is always recommended because you get an expert opinion on whether a property you want to buy has any defects which may give you grounds to bargain for a lower price with a vendor or even pull out.

Once you have instructed a RICS surveyor, it may take perhaps up to 10 days before they can carry out their inspection and then they may take five working days (or more) to get the report back to you. You should therefore keep delays to a minimum by booking your survey as soon as possible.

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