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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:

    Approval/Decision in Principal (AIP/DIP)
    Mortgage in Principal (MIP)
    Mortgage Valuation
    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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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Bayswater Mortgage Broker Insider Tips

Communicating using the fastest and most efficient methods can really speed up conveyancing in Bayswater.

The last thing you want is to be ready for exchange but still be waiting on outstanding documents. To avoid unnecessary delays, if you have a question for your solicitor, the quickest thing to do is pick up the phone. Emailing with scanned attachments can be faster than posting documents.

If you do need to send any documents, make sure you use recorded delivery. This will avoid the horrible situation that the documents are lost in the post and you have to wait for replacements.

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