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Our Mortgage Broker Guide to getting a mortgage in Beckenham

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 Beckenham Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Get wise to APRs

APRs are a fundamental to understanding how much your borrowing will cost you. They vary greatly according to what form of borrowing is being taken on and how high your credit score is.
You are well advised to shop around between products and types of borrowing available to you where APRs are concerned and you must find out what your credit score is – if it's on the low side, you're likely to be charged higher APRs on borrowing or even for your application to be refused.

Buy to Let Mortgage

People looking to buy to let can apply for mortgages which are designed specifically for this purpose. They normally have to satisfy certain conditions such as providing at least a 25% deposit and provide evidence that their projected rental income is likely to be at least 125% of the annual mortgage interest repayments.

Buy to let mortgages can include interest-only mortgages in addition to repayment mortgages. These kind of mortgages can often satisfy the risk profile of buy to let investors. Please click on Buy to Let Mortgages to find out more.


Beckenham is a town in London in Bromley Borough, 8 miles from London's centre. It mixes a residential area with commerce and industry. The Chinese Garage is a notable landmark, a listed building built in pagoda style. There are numerous open spaces such as Kelsey Park. Bethlem Royal Hospital is also in the locale, with a museum and archives.

Beckenham has nine railway stations, giving easy access to Central London (London Victoria and Charing Cross, also Thameslink services to the City of London, Luton, St Albans and Bedford) and south (e.g. Sevenoaks), down, via changes, to the south coast, as well as a Tramlink station, which gives access to Croydon and Wimbledon. Beckenham lies between the A406 South Circular and the A232 for road transport.

BR3 1AA

Property Price Stats for Beckenham


Average property price in Beckenham £488,571
% Change compared to last year 12%
Population of Beckenham 87,275 (2012)


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 Beckenham - Recently Completed

  • Bushey Way, Beckenham, Greater London, BR3 6TB
  • 72 Cherry Tree Walk, Beckenham, Greater London, BR3 3PQ
  • Rectory Rd, Beckenham, Greater London, BR3 1AA
  • 26 Cowper Road, Bromley, BR2 9RX
  • Flat 6, Cartmel Court, 30 Shortlands Road, Bromley, BR2 0XJ

Local High Street Banks in Beckenham

Mortgage Broker in and around Beckenham

Our Beckenham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Bromley, Croydon, Bellingham, Crystal Palace, Penge, Barnehurst and Downham.

Which banks are local to you?


  • Lloyds Bank Plc - 60 High St, Beckenham BR3 1ET
  • Barclays Bank Plc - 3 Beckenham Rd, Beckenham BR3 4ES
  • HSBC Bank Plc - 141 High St, Beckenham BR3 1BX

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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.

Beckenham Mortgage Broker Insider Tips

If you're buying, getting a structural assessment (Building Survey) of your property in Beckenham from a RICS Surveyor is key and can save you £1,000s by highlighting defects that can be shared or negotiated with the seller. 

All too often buyers choose to not get a Building Survey thinking that their Mortgage Valuation will cover them for this. Sadly the mortgage valuation doesn't highlight structural defects or risks.

Once you realise this and then choose to get a Building Survey you may find that you are pushed to get this done in time for exchange of contracts because you have waited so long. This is especially annoying as your conveyancing solicitor needs some of the information from the survey to complete your legal work.

The best advice for fast conveyancing in Beckenham is to book your Building Survey at the same time as you instruct your conveyancing solicitor

Surveyors are in high demand at the moment and bookings can often take 7 to 10 days and then the report 3 to 5 days after that so the sooner you book, the quicker you'll know if there are any defects with you property - plus you'll be set for a fast conveyancing completion!

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