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

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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

Selling your property? Complete all the required property forms and collect all the required information and return it to your solicitor as soon as possible.

As a seller, the best way you can save time in the conveyancing process is by getting all the information your solicitor needs to them as soon as possible – your tasks are 'front-loaded'!

Anyone buying or selling a home firstly has to prove their ID to the solicitor representing them but a seller you have to complete property information and fixtures and fittings forms (as well as a leasehold information form, if relevant) and return them to your solicitor along with your original title deeds and other relevant information.

This may seem a lot to do, but once you've finished these tasks to the best of your ability, your solicitor can fully devote themselves to making the remaining conveyancing process run efficiently.

Our website explains all the forms and information mentioned; a good place to start finding out more is to click on Property Information Form TA6 explained

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