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Our Mortgage Broker Guide to getting a mortgage in Bayswater

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 Bayswater Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Keep you credit rate at a satisfactory level

It is a good idea to keep up your credit rating because if your rating drops you might find yourself having to pay higher APRs on further credit or are offered lower sums of money when you apply. To keep up your credit rating simple keep making timely repayments!

Joint Mortgage

Joint mortgages are mortgages which two (or more) people take out to buy a property typically when they live together. The mortgage sum granted is calculated according to 2 (or more) incomes and so is a way of getting a larger mortgage than if one person alone was applying for one.

The other side of a joint mortgage is that all of the borrowers are equally joint and severally liable . This means that if, for example, one person defaults on the required repayments, then the lender can pursue all parties on the mortgage to recover the money owed and ultimately it can repossess your home even if you yourself, out of all the signatories on the mortgage, have been making the correct, timely repayments.


Bayswater is a highly desirable area of West London and is wonderfully located being near not only to the West End for shopping – this is within walking distance – but also prime open spaces such as Hyde Park, Kensington Gardens and Holland Park.

It's in the City of Westminster and the Royal Borough of Kensington and Chelsea. It's mainly a residential area and has a high number of hotel within its locale. Places of interest and attractions nearby include Whiteleys Shopping Centre, St Sophia's Cathedral and Marble Arch in addition to the open spaces mentioned. Its streets have frequently been used for locational filming and have also appeared in many novels and short stories.

W2 6LT

Property Price Stats for Bayswater


Average property price in Bayswater £1,430,883
% Change compared to last year 11%
Population of Bayswater 10,300 (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 Bayswater - Recently Completed

  • Craven Hill Gardens W2 3EA
  • Queensborough Terrace London W2 3SS
  • Bishops Bridge Road, Bayswater, London W2 6BE
  • Inverness Terrace, Paddington, London W2 3JR
  • Clanricarde Gardens, London W2 4NA

Local High Street Banks in Bayswater

Mortgage Broker in and around Bayswater

Our Bayswater mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Paddington, Notting Hill Gate, Ladbroke Grove, Holland Park, Lancaster Gate, Warwick Avenue and Royal Oak.

Which banks are local to you?


  • Barclays Bank plc - 93/97 Queensway, Bayswater, London W2 4QG
  • NatWest Bank plc - 46 Notting Hill Gate, Bayswater, London W11 3HZ
  • Lloyds Bank Plc - 50 Notting Hill Gate, Bayswater, London W11 3JD

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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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Whole Market Access

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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FREE mortgage consultations for Bayswater

Mortgage Brokers Bayswater offering free first consultation (terms apply).

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Fast mortgage appointments

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

Independent Mortgage Broker

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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Bayswater Mortgage Broker Insider Tips

Consider booking your searches as soon as you have an offer accepted

If you're buying a property with a mortgage, your lender will normally expect you to book four standard property searches (local authority, environmental, chancel indemnity and drainage) and you are advised to get searches anyway so you have as much information on your property as possible.

Although you could choose to delay getting your searches to space out your conveyancing-related payments, you are more likely to save time on your conveyancing if you do not.

Your solicitor needs the information detailed in the searches as part of their extensive checks on the property you're looking to buy. As soon as they have this, the quicker they can carry these out and the sooner you'll be able to exchange contracts with the vendor, all going well.

Should you or the vendor choose to pull out of the sale for any reason, the searches can be sold on to any other prospective buyer of the property in question.

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Conveyancing Process
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