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Our Mortgage Broker Guide to getting a mortgage in Basildon

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 Basildon Tip 1
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Set up payment reminders

Your credit score is highly sensitive to whether you make your credit card payments on time. Some lenders offer payment reminders through their online portals that can send you an email or text message reminding you when a payment is due.

You might also want to consider enrolling in automatic payments through your credit card and loan providers to have payments automatically debited from your bank account. Be aware however that only the minimum required payment on your credit cards might be made – in the longer term, you should always be careful to manage your finances well.
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Offset Mortgage

Offset mortgages link up your savings to your mortgage so you only pay interest on the mortgage loan on the debt which exceeds your savings balance. You therefore benefit by being charged less interest than normal so you can look to pay off your mortgage sooner than normal and save possibly thousands of pounds in interest repayments.

Interest rates are often higher than normal for these products and you won't be able to spend the interest you earn on your linked savings.


Basildon is the largest town in Basildon Borough in Essex, located 32 miles east of Central London. It is a commuter dormitory town for the capital. There are two main shopping centres; Eastgate Shopping Centre and Westgate Shopping Park. Festival Leisure Park offers several restaurants, a bowling alley and an Empire Cinema. The town's landmark clock is in St Martin's Square.

SS14 1NZ

Property Price Stats for Basildon


Average property price in Basildon £223,160
% Change compared to last year 14%
Population of Basildon 170,400 (2008)


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 Basildon - Recently Completed

  • 66 School Avenue, Laindon, Basildon, Essex, SS15 6GJ
  • 17 Whytewaters, Basildon, Essex, SS16 4UU
  • 87 Winifred Road, Basildon, Essex, SS13 3JH
  • 35 Gunhill Place, Basildon, Essex, SS16 5UX
  • 95 Maplestead, Basildon, Essex, SS14 2ST

Local High Street Banks in Basildon

Mortgage Broker in and around Basildon

Our Basildon mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Rayleigh, Billericay, Fobbing, Dunton, Horndon on the Hill, Forest Gate and Benfleet.

Which banks are local to you?


  • Metro Bank Plc - 2 E Walk, Basildon SS14 1HH
  • Lloyds Bank Plc - 14-20 Town Square, Basildon SS14 1DU
  • Barclays Bank Plc - 19 Town Square, Basildon SS14 1BA

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Basildon Mortgage Broker Insider Tips

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