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Our Mortgage Broker Guide to getting a mortgage in Barnet

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 Barnet Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Having difficulty making repayments and on time? Speak to the lenders concerned

You may be in a situation where you are finding it difficult to make the repayments specified on the debt you've taken on. If so, you should get in touch with the companies you owe the money to as they might accept lesser payments from you or give you a grace period (an extension on the deadline by which you must have made a repayment).

Remember that defaulting on payments or making payments late lowers your credit score. If you can come to an arrangement with your creditors, your credit score is much less likely to be harmed.

Interest-only Mortgage

The basic premise of an interest-only mortgage is that your monthly payments purely cover the cost of servicing the interest on the loan and are not put towards paying down the capital itself.

To pay down the capital, the mortgagor is obliged to save money in another investment vehicle which hopefully generates sufficient cash by the end of the mortgage term to pay off the capital – this is not guaranteed.

Only commercial property buyers such as buy to let investors can access interest-only mortgages at the present time; the higher risk profile of these mortgages is thought to be too dangerous for residential buyers to be involved with.


Barnet is an area in Barnet Borough in London, 10 miles north north-west of the capital's centre. It's often also called High Barnet or Chippping Barnet. Barnet Church, or more correctly St John the Baptist Church, is a landmark which can be easily seen - it was built in 1560 and some claim it is the highest point between itself and the Ural Mountains. There is an Everyman Cinema in the area, as well as the All Saints Art Centre, the Barnet Museum and independent snack outlets such as The Coffee Bean.


EN4 8RN

Property Price Stats for Barnet


Average property price in Barnet £555,024
% Change compared to last year 14%
Population of Barnet 331,500


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 Barnet - Recently Completed

  • 56 Windsor Drive, East Barnet, Herts, EN4 8UD
  • 37 Brimsdown Avenue, Enfield, EN3 5EW
  • Flat 33, Acer Court, 21 Enstone Rd, Enfield, EN3 7WT
  • 22 Peabody Court, 3 Martinee Drive, EN3 6GU
  • 10 Somerset Road, New Barnet, London, EN5 1RP

Local High Street Banks in Barnet

Mortgage Broker in and around Barnet

Our Barnet mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Edgware, Mill Hill, Totteridge, Whetstone, Oakwood, Colindale and Hadley Wood.

Which banks are local to you?


  • Barclays Bank Plc - 253 E Barnet Rd, London, Barnet EN4 8ST
  • HSBC Bank Plc - 140 High St, Barnet EN5 5XW
  • Santander Bank Plc - 136-138 High St, Barnet EN5 5XR

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Barnet Mortgage Broker Insider Tips

The trick is to order your property searches as soon as you instruct.

Searches can take some time to get back, namely the searches from the local authority. So you may find yourself all ready to exchange but not able to proceed because you are waiting for your searches to get back.

Being organised and booking your searches early can mean you get the essential information you need back to you and your solicitor as early as possible. 

Thereby you can make a fully informed, good decision about whether to proceed with your purchase in Barnet or not.

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