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Our Mortgage Broker Guide to getting a mortgage in Benfleet

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 Benfleet Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Time is the greatest healer for bad credit

As long as you develop good habits where credit is concerned, even serious black marks such as bankruptcy recede over time.

You are well advised not to apply for credit until serious issues have left your file but once they have, assuming you are handling your finances correctly, you should be able to develop a good score to enable credit – the main rules are always to make your repayments on time and never to take on credit that you don't need.

Tracker Mortgage

This is another type of variable rate mortgage and with a tracker mortgage, the rate varies along with the interest rate it tracks, most often the Bank of England base rate.

A tracker mortgage is normally for a set time period, most often between 2 and 5 years, and penalties for leaving early are normally quite high.


Benfleet is a pleasant town in the Castle Point district of Essex County, around 30 miles east of Central London and is just north of Canvey Island.

Landmarks include St Mary Church (Church of England) and Benfleet Water Tower, which is 30 metres high. You can enjoy a great day out in Hadleigh Country Park, a rural expanse with an Iron Age roundhouse on Chapel Lane, and Hadleigh Castle on Castle Lane, which has ruined towers dating back to the 1200s which overlook marshes.

SS7 3EL

Property Price Stats for Benfleet


Average property price in Benfleet £298,812
% Change compared to last year 9%
Population of Benfleet 19,584


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 Benfleet - Recently Completed

  • Stanley Road, Benfleet, SS7 3EL
  • 81 Chesterfield Avenue, Benfleet, Essex, SS7 4AH
  • 76 Thundersley Park Road, Benfleet, SS7 1ET
  • 122 London Rd, Benfleet, Essex SS7 5SQ
  • 410 Church Rd, Benfleet SS7 3HB

Local High Street Banks in Benfleet

Mortgage Broker in and around Benfleet

Our Benfleet mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Thundersley, Rayleigh, Hadleigh, Canvey Island, Fobbing, Capstone and Wickford.

Which banks are local to you?


  • TSB - 301 High Rd, South Benfleet, Benfleet SS7 5HA
  • Natwest - 124 London Rd, South Benfleet, Benfleet SS7 5SQ
  • Santander - 283 High Rd, South Benfleet, Benfleet SS7 5HU

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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.

Benfleet Mortgage Broker Insider Tips

If you're buying, getting a structural assessment (Building Survey) of your property in Benfleet 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 Benfleet 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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